About Reciiva
Built for the businesses that keep Nigeria moving
Nigeria has 37 million MSMEs contributing 48% of GDP. Yet the SME financing gap exceeds $158 billion annually. Formal supply chain finance penetration is below 8%. Reciiva was built to close that gap — one invoice at a time.
Our Mission
Making working capital as easy as cash
We believe working capital should flow as easily as cash. The SME that delivers to a blue-chip anchor should access credit at anchor-grade rates — not pay informal moneylender rates because they lack a bank relationship.
Reciiva removes friction from supply chain finance with intelligent automation, AI-powered risk assessment, and a transparent multi-actor marketplace that aligns the interests of suppliers, buyers, and lenders.
Our Vision
The infrastructure for African trade finance
We are building the white-label infrastructure that allows banks, DFIs, and financial institutions across Africa to offer best-in-class supply chain finance products under their own brand — multiplying our impact without multiplying our cost.
Our goal: every B2B invoice in Nigeria is financeable in less than 24 hours by 2030.
Our Values
What we stand for
Speed
Working capital should move as fast as business. We target funding within 48 hours from offer to disbursement.
Transparency
Every score, every rate, every fee is visible. No black boxes — suppliers see exactly why they received their offer.
Trust
Fraud detection, KYC, and an immutable audit trail mean every participant can transact with confidence.
Access
The Nigerian SME that has never had a bank relationship should access the same rates as a corporate — through anchor credit.
Our Story
How we got here
Q1
January 2026
Reciiva founded in Lagos to solve the Nigerian SME financing gap — turning outstanding B2B invoices into same-day liquidity.
Q1
February 2026
Core platform launched: invoice discounting pipeline, AI-powered credit memos, and a live lender marketplace.
Q2
April 2026
Dynamic discounting and reverse factoring products added, giving anchor buyers a full suite of early-payment tools.
Q2
June 2026
White-label multi-tenancy launched. Retail Investor Desk opened, bringing individual investors into the supply chain finance market.
Ready to get started?
Join the businesses unlocking liquidity with Reciiva.