An infrastructure that enables financial wellbeing through data driven lending and instalment payment.
Exxtra is a digital platform that empowers lender and vendors to manage loans and instalment payment products and services, while providing borrowers and buyers with convenient access to finance options.
Backed by strong partners
Customized solutions designed for all
A Fully Automated, Digital Lending Platform
From onboarding & KYC to the decision to disburse to loan administration & collections
Exxtra has been tested and proven to deliver timely and accurate lending decisions that result in low defaults and fast turnaround.
- Customizable Loan Products
- Seamless Borrower Experience
- Integrated Vendor Services
- End-to-End Financial Services
- AI-driven automation & Insights
smart financing options for businesses
Unlock Cash Flow with B2B BNPL Factoring
Boost your business with our innovative B2B Buy Now, Pay Later (BNPL) factoring solution. Designed for seamless cash flow management, our service allows you to sell your invoices and get paid upfront while offering your clients flexible payment terms.
- Why Choose B2B BNPL Factoring?
Instant Liquidity: Access funds immediately by factoring your invoices—no more waiting for client payments. - Flexible Terms: Offer your B2B customers BNPL options, enhancing relationships and encouraging repeat business.
- Risk Mitigation: Reduce credit risk with our expert assessment and collection support.
- Scalable Growth: Free up capital to invest in new opportunities without disrupting operations.
Whether you’re a supplier, wholesaler, or service provider, our factoring solution bridges the gap between delivering goods or services and getting paid. Empower your business to thrive with improved cash flow and stronger client partnerships.
Contact us today to learn how B2B BNPL factoring can work for you!
BNPL
Go beyond traditional loans with Buy-Now-Pay-Later There’s no better way to provide loans than reaching customers right when they need funds. Exxtra empowers lenders and e-commerce platforms to deliver flexible, credit-based payment solutions.
Banks & Insurance
Extend your existing loan products to our platform, tapping into a rapidly growing, diverse user base, or seamlessly integrate Exxtra with your bank’s channels—USSD, mobile apps, or online banking. Partner with insurance trustees to offer instant loans secured by pension contributions, providing dependable collateral and fast, effortless access to funds for borrowers.
DFIs, Governments & NGOs
Collaborate with banks to provide business loans to underserved communities. Using mobile money statements to assess creditworthiness, they can open up financing for entrepreneurs and small businesses with ease.
Employers
Enhance employee well-being with financial benefits like salary advances or midterm loans, increasing satisfaction, reducing financial strain, and promoting a positive work culture.
Real Estate
Empower your customers by offering an initial deposit option, with the remaining balance financed through manageable monthly instalments. This delivers a more accessible and flexible route to homeownership.
Microlenders
Use our platform to effortlessly create and manage customer accounts, enabling you and your clients to monitor repayments, assess loan performance, and streamline lending operations.
Partner with us to make impact together
Access to affordable credit can be tough ... It is tougher in sub-Saharan Africa
The quest to eradicate poverty is hindered by the prevalent full payment (non-credit) economy in sub-Saharan Africa.
This limits the ability of individuals and businesses to invest in productive assets and expand their livelihoods.
57% of adults lack access to affordable credit, often exacerbated by the reliance on informal loan sharks, further perpetuates this cycle of poverty.