What we fund

Three products. One trade model.

For large industries, technology companies and their value chains. Priced per trade, paid in days, not months.

Explore the products Discover Kidashi
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Trade Financing
Three businessmen reviewing invoices on a laptop and tablet around a meeting table
A shop owner at her counter with her phone ready to take payments
SEC-licensed crowdfunding intermediation platform
Trade finance

Fund the trade, not the balance sheet.

Each product is secured by the trade itself and repaid from your buyer's payment.

Three businessmen reviewing invoices on a laptop and tablet around a meeting table

Invoice Discounting

Get most of an approved invoice's value now, instead of waiting months for your buyer to settle.

Best forSuppliers to manufacturers, FMCG and energy companies

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Trade Financing

We fund a confirmed purchase order so you can buy, deliver and get paid.

Best forDistributors with confirmed orders from large buyers

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Liquidity Financing

Short-cycle working capital for payroll, float, stock or vendor payments.

Best forFintechs and telcos running agent and merchant networks

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Why not a bank loan

Priced per trade, by negotiation.

Banks charge annual interest on a full facility and ask for property as collateral. We price each trade on its own, secure it with the trade itself, and settle it from your buyer's payment.

  • Pricing

    One charge per trade transaction

  • Rate driver

    Negotiated per trade, based on how clearly the trade is derisked

  • Collateral

    The trade itself: the invoice, the purchase order and the buyer

  • Access time

    Within days of onboarding

  • Repayment

    A single settlement from your buyer's payment

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The XchangeBox trade model

Paid in days, not months. Secured by the trade, not your property.

Two women checking their new Kidashi wallet on a phone
Also from XchangeBox

Kidashi

Micro-loans for women traders

A livelihood-embedded micro-loan for excluded women traders in Northern Nigeria, delivered on the licensed rails of Payrep Microfinance Bank.

Discover Kidashi
Who we serve

Built for industry value chains.

Plant engineers in hard hats and high-visibility overalls

Large industries

Manufacturers, FMCG, agro-processors and energy companies, together with their suppliers and distributors.

A software team working through code together in an open-plan office

Technology companies

Fintechs, telcos, e-commerce and logistics firms, along with their agents, merchants and vendor payments.

A smiling produce trader with his phone at his market stall

Value-chain SMEs

Suppliers and distributors holding confirmed invoices or purchase orders from strong buyers.

Fund the trade, earn with it.

Tell us about your buyers and your trade cycle, and we will match you with the right product.

Talk to our team

XchangeBOX Capital Limited is licensed by the Securities and Exchange Commission (SEC), Nigeria, as a Crowdfunding Intermediation Platform. Investor funds are held with a licensed custodian or trustee. Returns are not guaranteed, and all financing and pricing are subject to credit approval, negotiation and the derisking clarity of each transaction.