Who we serve

Buy in bulk without emptying the till.

You don't need a bill of lading to have a cash problem. Whether you buy from importers in Kariakoo, from millers upcountry, or across the border from Kenya, Uganda, Zambia or the DRC, the gap between paying for stock and getting paid for it is where your growth leaks away. Ramani finances that gap.

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Is this you?

You buy in volume from importers, manufacturers or regional suppliers and sell to shops, agents, institutions or your own branches.
You move goods between hubs — Dar, Mwanza, Arusha, Mbeya, Dodoma — or into neighbouring markets.
Suppliers give you better prices for cash, but cash is exactly what you're short of.
You extend credit to your customers and carry that receivable on your own balance sheet.
You've been trading for at least [12] months with records (invoices, delivery notes, mobile-money or bank history) to show it.

Where the cash gets stuck

The bulk buy.
The best price is for the full truck or the full container, paid now. Buying small to protect cash means paying more per unit and losing margin to the competitor who bought big.
The distance.
Stock travelling from Dar to Mwanza or across the Tunduma border is money in transit for days or weeks, and your customers up-country won't pay until it lands.
The credit you give.
Your shop customers want 30 days. Your supplier wants today. You are effectively the bank for both sides, with none of a bank’s funding.

How Ramani fits

Ramani products mapped to each stage of the cycle
Stage	What you need	Ramani product
Purchasing from an importer or local supplier	Pay for the bulk order upfront	Inventory loans — funding against the stock you're buying, repaid as it sells.
Buying across the border or from a regional supplier	Pay the supplier and cover the crossing	Import finance and Clearing finance — for regional purchases that go through customs.
Moving stock between hubs and branches	Cover goods in transit	Port-to-port finance — applied to inland and regional legs where the stock is secured and traceable.
Stock sitting in your godown or branches	Cash while it sells through	Inventory loans — a revolving facility sized to your turnover, drawn when you restock.

Purchasing from an importer or local supplier
Pay for the bulk order upfront
Inventory loans — funding against the stock you're buying, repaid as it sells.
Buying across the border or from a regional supplier
Pay the supplier and cover the crossing
Import finance and Clearing finance — for regional purchases that go through customs.
Moving stock between hubs and branches
Cover goods in transit
Port-to-port finance — applied to inland and regional legs where the stock is secured and traceable.
Stock sitting in your godown or branches
Cash while it sells through
Inventory loans — a revolving facility sized to your turnover, drawn when you restock.

Facility sizes are set on how your stock actually moves — where it’s bought, where it’s sold, and how fast — rather than on a fixed annual limit.

A typical deal

What you'll need to apply

Business registration and TIN (or a business licence for smaller traders — [confirm minimum])
[6–12] months of bank and/or mobile-money statements
Supplier invoices and delivery records for recent purchases
A picture of your customer base: number of shops/agents, typical terms, top buyers
For cross-border purchases: customs and border documentation

Also a fit for

Agricultural aggregators and off-takers, fuel and lubricant distributors, building-materials yards, and agents distributing for a single brand.

Your supplier wants cash. Your customers want credit. We fill the middle.

Tell us what you buy, where it goes and how fast it sells.

Apply for financing

Not quite you?

See Importers & importer-distributors or Inventory-heavy retailers.