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Who we serve

Your money is on the shelf. We lend against it.

Retailers in building materials, electronics, furniture, motor parts, pharmacy and fashion carry weeks or months of stock at any time. That stock is your biggest asset and your biggest cash drain. Ramani turns it into working capital — sized to your turnover and timed to your season, not a flat annual line.

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Is this you?

  • You run one or more shops or showrooms and hold [TZS 50 million+] of stock at any time.
  • You restock from importers, wholesalers or directly from abroad, and big seasonal orders (Ramadan, Christmas, back-to-school, planting season) strain your cash.
  • You've been turned down or under-served by banks because your collateral is stock, not property.
  • You can show sales records (POS, till, or invoicing) and stock counts.
  • You know exactly which lines sell and how fast — you just can't afford to stock enough of them.

Where the cash gets stuck

  • The seasonal order.

    Your best month needs to be paid for two months earlier, when you're at your quietest. Under-ordering means empty shelves at the exact moment customers are ready to spend.

  • Slow-turning stock.

    Some lines sit for 90 days but you can't drop them — customers expect the range. That stock quietly absorbs the cash you'd use to deepen the fast movers.

  • Growth.

    A second branch or a wider range means duplicating your stockholding before the new sales arrive. Most retailers can't fund the gap and stay put.

How Ramani fits

  • Stock already in your shop or store

    Unlock the cash tied up in it

    Inventory loans — a facility secured against your existing stock, repaid as it sells.

  • Placing a seasonal or bulk order

    Pay the supplier ahead of the season

    Inventory loans — with a seasonal draw, or import finance if you order directly from abroad.

  • Direct imports arriving at port

    Duty and clearing

    Clearing finance — so your own container isn't stuck at Dar es Salaam over demurrage.

  • Opening a branch or extending range

    Fund the new stockholding

    Inventory loans — sized on your existing turnover, stepped up as the new sales come through.

Facilities are reviewed against your real sell-through, so they can grow with your season rather than being fixed once a year.

A typical deal

What you'll need to apply

  • Business registration and TIN
  • [6–12] months of bank and/or mobile-money statements
  • Sales records — POS exports, till reports or invoices — for the same period
  • A recent stock count or stock valuation
  • Details of your main suppliers and your restocking cycle

Also a fit for

Light manufacturers and assemblers who hold raw materials and finished goods (furniture, plastics, food processing, packaging), pharmacies and medical-supply shops, and agro-dealers.

Stock the season properly this year.

Tell us what you sell and how fast, and we'll size a facility around it.

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