Zanifu is a Kenyan fintech company that provides fast, flexible, and asset-light financing solutions to help small and medium-sized businesses (SMEs) unlock consistent growth. Founded to bridge the funding gap faced by retailers, wholesalers, and micro-distributors, Zanifu offers a digital credit platform that enables businesses to access working capital without traditional collateral barriers. Through advanced data analytics and supply-chain integrations, Zanifu evaluates a business’s real purchasing patterns, cash flow cycles, and sales behaviour to provide tailored credit limits. This approach allows traders to restock on time, expand inventory, meet customer demand, and maintain healthy cash flow even during peak seasons. Zanifu operates fully digitally — from onboarding to credit assessment, loan disbursement, and repayment — allowing businesses to receive financing instantly through their mobile devices. The platform partners with FMCG manufacturers, distributors, and suppliers to strengthen distribution chains and ensure that micro-retailers can grow reliably.