Who Should Use AfriRuil?
Designed for sophisticated market participants seeking liquidity, yield, and efficiency in African capital markets.
Sellers / Originators
- SMEs & Mid-Market: Turnover R20m–R1bn. Convert invoices to immediate cash.
- Gov Suppliers: Contractors with 90+ day terms. Low credit risk debtors.
- Healthcare: Hospitals & Pharma distributors with high working capital intensity.
Investors / Buyers
- Credit Funds: Seeking high-yield, short-duration African assets.
- Corporate Treasuries: Optimising excess cash with better-than-bank returns.
- Family Offices: HNWIs looking for uncorrelated alternative assets.
Intermediaries
- Invoice Aggregators: Syndicate risk and offload parts of loan books.
- Advisors: Structure deals for clients and earn origination fees.
- Brokers: Source SMEs and perform preliminary screening.
Infrastructure
- SPVs: Ring-fence risk and pool invoices for institutional uptake.
- Paying Agents: Control cash flows and enforce waterfall structures.
- Regulators: FSCA / equivalents ensuring market integrity.
Restricted Access
This platform is NOT for Retail Investors, Consumer Receivables, or Startups with unproven debtors.