Finio Pay

We are building the financial operating system for the $600B+ CPG traditional retail channel, the engine of emerging market commerce. This massive ecosystem runs on a broken foundation: 90% of B2B payments are still cash, and 57% of merchants are locked out of formal credit, leading to billions in lost growth. Finio Pay is rebuilding this infrastructure from the ground up with our "Rails + Intelligence" model. 🚄 The Rails: We embed financial services, “Pay Now” (digital payments) & “Pay Later” (BNPL for inventory), directly into the supply chain via a simple WhatsApp and mobile interface. 🧠 The Intelligence: Our proprietary AI decodes unique “CPG transactional DNA” (a shop’s order history) to generate accurate credit scores where none existed before. --- Our Impact --- For our CPG Distributor & Manufacturer partners, we: ✅ Boost Sales by 15-20% by eliminating retailer stock-outs. ✅ Eliminate 100% of credit risk on financed inventory. ✅ Slash reconciliation times by over 40% by digitizing cash. ✅ Provide unprecedented last-mile visibility into their most critical channel. For Small Retailers, we: ✅ Unlock working capital to fuel their growth. ✅ Provide a gateway to the formal digital economy. ✅ Allow them to manage their business finances from WhatsApp. We are a team of 2X fintech founders and neobank builders, backed by world-class investors, on a mission to build the foundational infrastructure for the future of commerce. 👇 Get in touch to learn how we're powering the next generation of CPG growth. #CPG #Payments #FinancialInclusion #EmbeddedFinance #EmergingMarkets #Fintech #TrustAndAccessibility #Lending #Growth #SupplyChain #AI