How it works

From your first invoice to discounted financing

Finvoice turns your everyday invoicing into a verified track record — one that unlocks working capital from Tanzania's leading banks and financial institutions.

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The journey

Four steps, one growing reputation

Every invoice you send and settle on Finvoice does double duty: it moves money today and builds your business's name for tomorrow.

1
Step 1

Create and send your invoice

Build a professional invoice in minutes — line items, VAT, payment terms and your branding, all in Tanzanian shillings. Send it to any business in Tanzania, whether they use Finvoice or not.

  • Unlimited invoices and counterparties, free forever
  • Delivered instantly by email and SMS
  • Track when your invoice is viewed and opened
2
Step 2

Your buyer acknowledges and pays

The receiving business reviews the invoice and acknowledges it with one click — a verified confirmation that the debt is real. When payment lands, both sides mark it settled on the record.

  • One-click acknowledgment creates a verified record
  • Automatic reminders before the due date
  • Disputes are raised early, not after months of silence
3
Step 3

Your Trust Score grows

Every acknowledged invoice and on-time settlement adds to your Trust Score — a verified reputation your business owns. It's the credit history most Tanzanian businesses have never been able to prove.

  • Built from real trading activity, not paperwork
  • Grows with every counterparty you trade with
  • Yours to keep — it belongs to your business
4
Step 4

Unlock discounted financing

With a strong Trust Score, you can turn an acknowledged invoice into cash today. See a transparent discount fee upfront, accept, and receive funds — typically within 48 hours — arranged through Tanzania's leading banks and financial institutions.

  • Rates from 2–4%, improving with your Trust Score
  • Fee shown before you commit — no surprises
  • Funds paid to your bank or mobile money account
Two sides, one network

Built for both sides of every invoice

Whether you're chasing payment or managing what you owe, Finvoice keeps the record straight — and rewards good behaviour on both ends.

For the business sending invoices

Get paid faster, and build a reputation you can borrow against.

Look professional from day one

Branded invoices with VAT and payment terms — no more Word templates and WhatsApp screenshots.

Know where every invoice stands

See when an invoice is viewed, acknowledged and approaching its due date — without chasing on the phone.

Get paid on time, more often

Automatic reminders, plus a visible settlement record that buyers care about protecting.

Turn receivables into working capital

Finance acknowledged invoices at a transparent discount when cash is tight — no collateral paperwork.

For the business receiving invoices

Stay organized, and let your payment discipline work for you.

All your payables in one place

Every supplier invoice lands in one organized list with amounts and due dates — nothing slips through.

Acknowledge in one click

Confirm what you owe and when you'll pay, so suppliers stop chasing and start trusting.

Build your own Trust Score

Every acknowledgment and on-time settlement strengthens your business's verified reputation too.

Become a preferred customer

Suppliers can see your settlement record — and reward it with priority service and better terms.

FAQ

Questions, answered

Everything businesses ask us before sending their first invoice.

Does it cost anything to send or receive invoices?
Sending and receiving invoices is free forever — unlimited invoices, unlimited counterparties, Trust Score included. Finvoice charges a flat 3% on amounts collected through invoice payment pages, and a transparent discount fee only if you choose to finance an invoice.
What if my customer isn't on Finvoice yet?
Send the invoice anyway. They'll receive it by email or SMS and can view and acknowledge it in seconds — then create their own free account to manage payables and build their own reputation.
What exactly is the Trust Score?
It's a verified measure of how your business trades: invoices acknowledged, settlements made on time, and the depth of your trading history. It's built from real activity on Finvoice — not self-reported paperwork — and it belongs to your business.
How do I qualify for financing?
Keep trading. As your acknowledged invoices and on-time settlements accumulate, your Trust Score grows. Once your score qualifies, eligible invoices show a financing option with your personal rate — no application forms, no collateral paperwork.
Who actually provides the financing?
Financing is arranged through Tanzania's leading banks and financial institutions. Everything happens inside Finvoice — you see one transparent fee, accept it, and receive your funds. You never negotiate with a bank or fill in separate paperwork.
How quickly do I receive the money?
Typically within 48 hours of accepting the offer. Funds are paid directly to your registered bank account or mobile money wallet.
Is my business data safe?
Yes. Your invoices and trading data are encrypted and never sold. Your Trust Score is only shared where it works for you — with counterparties you invoice and, when you request financing, as part of your offer.

Start building your reputation today

Your next invoice could be the first entry in a track record that changes what your business can borrow.

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