Unlock Growth Funding for your Business

Flexible, scalable financing tailored to your own cashflow needs without the need for collateral - up to $500k USD


Our lending features

Choose from our wealth of solutions and knowledge to start getting to where you want to go

Easy application

A digital self-serve application available 24/7 with a clear list of requirements

Fast decisions

Once documentation is fully submitted, we will revert back within 72h with a credit decision

Flexible structure

Each facility is tailored to the specific working capital needs of the business

Path to scale

We aim to be your growth partner and meet your needs as you scale your business


Credit products for all occasions

Choose from a variety of financing solutions that match your cashflow needs

Purchase Order Financing

Unlock enough capital to fund an additional purchase order from an existing client

Personalised Structure

Working Capital

Leverage funding to finance your operations or boost inventory in order to reach your targets


Invoice Discounting

Get paid early for your outstanding invoices

Up to 80% advance rate
Flexible tenor
Based on buyer risk

How it works

Open an account

Create an account on our platform and complete KYC/KYB compliance requirements

Apply for a loan

Submit credit application and upload relevant information for the transaction you seek funding for

Risk team reviews

Our credit risk team will review your application and provide a credit assessment for you

Get funded

Once approved, funding is released within 48hrs of completion of facility documentation


Businesses are excited to grow with Fluna

We did a first transaction with Fluna and the outcome of that convinced us to keep Fluna in our corner - they are a a trusted partner that is long-term focused.

Ayo Sopitan

CEO, Metalex Commodities

In my dealing, I have found Fluna to be a company that demonstrate integrity and transparency.They listen, they care and they are willing to develop solutions that meets our current needs.

Picture of Seth Andiki

Seth Andiki

CEO, Liyana Traders

Fluna has been incredibly responsive to Releaf’s working capital needs, even when bespoke, and offers strategic advice as we plan our future needs. I work with Fluna because they are responsive, clear, and do what they say they will do.

Ikenna Nzewi

CEO, Releaf

Most lenders make it near impossible to meet their conditions. With Fluna, it was refreshingly different. The team possesses a one of a kind soft skill and their solutions are tailor made, devoid of ambiguities, seamless to use and their rates are competitive within the African context.

Nwamaka Ofili-Ikpe

CEO, Tinker and Bell

Frequently asked questions

What are your interest rates?
Our interest rates vary substantially depending on the structure of the credit facility and the risk associated with each transaction. For an estimate, please reach out to our credit specialists or submit a credit application.
How much can you lend my company?
The amount of financing we can provide is directly tied to the value of your trade transaction as we offer transaction-based financing.
What do you need as collateral?
We offer uncollateralized trade facilities, meaning that we do not require any collateral for our financing services.
Can you give me a loan for more than a year?
Our financing structures are typically short-term and are subject to the duration of your existing transaction. Our maximum duration is 180 days but on average most loans are 90-120 days.
What types of products do you finance?
We do not have any specific preference for the types of products we finance, as our services are designed to support a wide range of trade transactions. However, we are particularly excited about agricultural exports.
What countries do you focus on?
We are a Pan-African company and our services are tailored to meet the needs of businesses operating throughout the African market - including Kenya, Ghana and Nigeria. We are currently supporting companies in 10+ countries and looking to expand into additional markets.

Backed by world class partners and investors.