Welcome to Daraja
Empowering Africa’s SMEs with Sustainable Financial Solutions.
Daraja Africa is driving financial inclusion across the continent through innovative local currency funding solutions tailored to support growth and resilience.
What We Do
Transform, Transcend, Triumph
Working Capital Funding
Non-Dilutive Funding
Structured Financing Solutions
About Us
Solutions Today for Tomorrow’s Success
At Daraja Africa, we are redefining how businesses access funding by focusing on sustainable and affordable local currency credit solutions. Our mission is to empower small and medium enterprises (SMEs) across Africa by bridging the financing gap through innovative structured financial products.
Funding Companies in Kenya
disbursed and collected
SME's invoices purchased
increase in value of invoices generated in 12 months
Our Vision
To be the leading provider of innovative financial solutions for SMEs in Africa, fostering a future where businesses thrive, markets develop, and communities prosper.
Our Mission
To create financial inclusion across Africa by delivering sustainable and affordable funding solutions that support the growth and resilience of SMEs.
Total Purchased invoices for SME's over only four years.
Get Started
Let's start with free consultation!
W aim to fuel the success of SMEs and contribute to economic resilience through sustainable and innovative financial solutions.
"Make sure you have financial intelligence… I don’t care if you have money or you don’t have money… you need to go and study finance no matter what.”
Daymond John
Our Services
Financing as Straightforward as It Gets
Working Capital Funding
Our Receivable Purchase Agreements (RPA) provide SMEs with immediate access to cash by purchasing revolving pools of receivables. This “true sale” structure enhances liquidity without compromising ownership, ensuring businesses can focus on scaling operations.
Non-Dilutive Funding for Fintechs and MFIs
We collaborate with fintech companies, microfinance institutions (MFIs), and other funding providers by purchasing pools of loans and receivables from their balance sheets. This securitization model supports these organizations in scaling their services while preserving capital.
Our Process
Accessing Financing with Daraja Africa involves a straightforward and transparent process
Due Diligence & Approvals
A comprehensive analysis of the receivable portfolio, corporate background, and operational standards.
Customization of Agreements:
Tailored legal documents including fraud indemnity clauses and servicing agreements.
Finalization & Funding
Agreements are executed, joint accounts are opened, and funds are transferred on agreed calculation dates.c
Growth-Focused Partnerships
Funding is scaled over time to align with the growth of the client’s business, ensuring sustainable development.
Daraja Africa specializes in providing structured credit solutions to small and medium enterprises (SMEs) across Africa. We offer local currency funding through the purchase of receivables such as invoices, loans, and leases, enabling businesses to access affordable and non-dilutive capital.
The Receivable Purchase Agreement (RPA) is a legal framework where Dataja Africa purchases a revolving pool of receivables from SMEs or funders. This "true sale" structure provides immediate cash flow while de-risking the transaction. Businesses receive a percentage of the receivables' value upfront, with the balance provided as payments are collecte
We focus on five key sectors critical to Africa's economic growth: healthcare, food and agribusiness, logistics, manufacturing, and retail. Our solutions are designed to address the unique financing needs of businesses in these industries.
The process typically takes four weeks from the start of due diligence to the approval of financing. This includes portfolio analysis, risk assessment, and the finalization of agreements to ensure a transparent and efficient funding process.
Unlike traditional loans, our solutions provide non-dilutive funding, meaning SMEs retain full ownership of their businesses. Additionally, our local currency funding eliminates exposure to currency fluctuations, and our structured financing approach offers competitive rates tailored to the business's risk profile.
Yes, we provide services across Africa with a focus on supporting SMEs in regions where local currency funding is needed most. Our solutions are designed to align with local laws and economic contexts to ensure relevance and sustainability.