Built in Dar es Salaam, for Tanzanian business
Finvoice is the invoice network where getting paid builds your reputation — and reputation unlocks affordable capital. Free invoicing for every business, forever.
Good businesses deserve to be believed
Every day across Tanzania, businesses deliver goods and services on a handshake and a promise. A distributor in Kariakoo restocks a retailer in Mbeya. A logistics firm moves cargo from the port to Mwanza. The work is done — then the waiting begins.
We started Finvoice in Dar es Salaam because we watched reliable businesses being treated as strangers by the financial system. Years of on-time payments lived in paper files, Excel sheets and WhatsApp threads — invisible to anyone who could have lent against that record.
So we built the network that makes reliability visible: professional invoicing that is free forever, a verified Trust Score earned from real transactions, and — when you need it — financing that gets cheaper as your reputation grows.
Our mission
To make every Tanzanian business's reliability visible — and bankable.
Our vision
A Tanzania where a strong payment record opens as many doors as collateral does.
Three problems, one root cause
Tanzanian SMEs are not short on customers or capability. They are short on proof.
Payment takes 30–90 days
Work is delivered today, but the money arrives one to three months later. In that gap, salaries, rent and suppliers still have to be paid.
Banks can't see your track record
A decade of reliable trade means little if it lives in paper files. Without verifiable history, even excellent businesses look risky on paper.
Capital is expensive
When lenders can't measure reliability, they price for uncertainty. The businesses that need working capital most end up paying the most for it.
Invoicing builds reputation. Reputation unlocks capital.
One network, three layers that compound over time.
Free, unlimited invoicing
Send and receive professional invoices with any business in Tanzania — no fees, no limits, in English or Swahili, in TZS.
A verified Trust Score
Every acknowledged invoice and on-time settlement is recorded. Over time, your activity becomes a reputation you own and can prove.
Capital that gets cheaper
A strong Trust Score unlocks discounted invoice financing from Tanzania's leading banks and financial institutions — arranged quietly in the background, so you simply get funded and keep trading.
What we believe
Start with the trader
Every decision starts with the business owner in Kariakoo, Arusha or Mwanza — not the boardroom.
Trust is earned, not claimed
Reputation on Finvoice comes from real transactions, verified over time. No shortcuts — for our users or for us.
Radically accessible
Core invoicing is free forever, works on modest connections, and speaks both English and Swahili.
Built for Tanzania first
TZS by default, East Africa Time, and the local rhythms of trade. We solve deeply here before looking anywhere else.
Be part of the network
Create your free account, send your first invoice, and start building the reputation your business deserves.