Startups & SMEs

Big solutions for growing businesses

Fincra helps startups and SMEs accept payments, pay suppliers, and manage FX with enterprise-grade reliability — without the complexity typically associated with enterprise-level solutions.

The Problem

Startups and SMEs often face:

Limited access to reliable cross-border payment rails.
Manual supplier payouts slow down operations.
High FX costs when converting global revenues.

The Fincra Solution

Fincra gives small businesses access to the same powerful rails trusted by global enterprises:

Collect globally with multi-currency virtual accounts.
Pay suppliers and staff seamlessly with real-time payouts.
Convert FX at competitive rates without hidden costs.

What You Can Do

1. Get paid globally, grow locally

Enable customers to pay in major currencies while settling locally.

Virtual accounts in USD, GBP, EUR, CAD.
Local settlement across African markets.
Fast reconciliation to keep cash flow steady.

💡 How it works: A Lagos-based SME sells services online to global clients and collects payments directly in USD or EUR via Fincra.

2. Simplify supplier payments

Pay contractors, vendors, and staff without friction.

Real-time payouts to bank accounts and wallets.
Bulk disbursements with one API call.
Full visibility and reconciliation for every transaction.

💡 How it works: An SME needs to pay vendors across Ghana and Nigeria. Fincra automates payments and reconciliations seamlessly.

3. Save costs on FX

Convert global revenues into local currencies cost-effectively.

Transparent, competitive FX rates.
No double conversions or hidden charges.
Scales with your business as volumes grow.

💡 How it works: A startup receives USD from international clients and needs to settle NGN expenses. Fincra ensures fast, cost-effective conversion.

Why SMEs Choose Fincra

Plug-and-play APIs with simple integration.
SME-friendly onboarding and support to get started quickly.
Solutions that scale as your business grows.