Turn Commerce Into
Credit Infrastructure
At Lipafy, we build the revenue layer that powers credit through real-time transaction data captured where commerce happens — and turn it into lending-grade signals.
The Problem
Africa's businesses move trillions in value — but most of it is invisible to lenders.
This is not a lack of money.
It’s a lack of trusted data.
Fragmented Sales
Sales happen offline or in fragmented systems.
Invisible Payments
Payments don’t translate into credit access.
Guesswork Risk
Risk is guessed, not measured.
Underfinanced
Small businesses stay underfinanced.
Our Solution
Lipafy creates a continuous, verifiable revenue record.
We sit at the point of sale — in stores, on the street, and online — and transform daily commerce into structured financial data.
- A credit profile
- A risk signal
- A lending decision
How It Works
From Transaction to Credit
1
Capture
Records transactions as businesses operate.
2
Verify
Digital payments confirm authenticity.
3
Score
Models analyze consistency and growth.
4
Unlock
Lenders issue offers based on performance.
Questions all
resolved in one place
Get Started FreeThe Scale Opportunity
10M+
Small Businesses
Daily
High Frequency
Massive
Unmet Demand