Who we serve

Finance for importers who can't wait six weeks to get paid back.

You place the order, pay the deposit, wait for the vessel, pay the balance, clear the container, and only then start selling. Ramani funds each of those steps on the Tanzania–UAE, Tanzania–China and regional corridors, so your working capital moves with the goods instead of sitting in them.

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Is this you?

You import containers or consolidated cargo through Dar es Salaam (or Tanga, Mombasa or Zanzibar) from the UAE, China, India, Turkey or the region.
Your suppliers ask for 30–50% upfront and the balance against shipping documents.
You sell on to wholesalers, agents or your own branches, often on 30–120 day terms.
You have at least 12 months of import history and can show at least 3 bills of lading, 3 invoices and 3 clearing assessment records.
Your growth is capped by cash, not by demand.

Where the cash gets stuck

The supplier deposit.
Your supplier in Guangzhou or Jebel Ali wants a deposit before production or dispatch. That money leaves your account weeks before anything arrives.
The voyage.
From balance payment to arrival at port is typically 3–6 weeks. The goods exist, but you can't sell them, and your bank treats them as if they don't exist.
Duty and clearing.
The container lands and TRA, port charges, shipping-line fees and your clearing agent all need paying at once — usually right when you're at your tightest. Every day of delay adds demurrage and storage.

How Ramani fits

Ramani products mapped to each stage of the cycle
Stage	What you need	Ramani product
Order placed	Supplier deposit and balance payment	Import finance — we pay your supplier directly against the proforma or commercial invoice.
Goods in transit	Cover for the weeks between payment and arrival	Port-to-port finance — funding secured against the shipment while it's on the water.
Container at port	Duty, VAT, port and shipping-line charges	Clearing finance — we settle the clearing bill so the container leaves the port on time.
Goods in your warehouse	Cash while stock sells through	Inventory loans — a facility against landed stock so you can place the next order before this one has sold out.

Order placed
Supplier deposit and balance payment
Import finance — we pay your supplier directly against the proforma or commercial invoice.
Goods in transit
Cover for the weeks between payment and arrival
Port-to-port finance — funding secured against the shipment while it's on the water.
Container at port
Duty, VAT, port and shipping-line charges
Clearing finance — we settle the clearing bill so the container leaves the port on time.
Goods in your warehouse
Cash while stock sells through
Inventory loans — a facility against landed stock so you can place the next order before this one has sold out.

One application can cover the full cycle, or you can use a single product for the stage that hurts most.

A typical deal

What you'll need to apply

Business registration and TIN
[6–12] months of bank statements
Recent import records: proforma/commercial invoices, bills of lading, TRA/TANCIS clearance documents
Details of your main suppliers and main buyers
For clearing finance: the arrival notice and your clearing agent's assessment

Also a fit for

Consolidators and groupage importers, importers of vehicles and parts, pharmaceutical and FMCG importers, and agri-input importers (fertiliser, seed, crop protection).

Stop financing your suppliers out of your own pocket.

Tell us about your next shipment and we'll tell you what we can fund.

Apply for financing

Not quite you?

See Wholesalers & domestic traders or Inventory-heavy retailers.