GikTekGIKTRADEby GikTek

Run supply chain finance like a bank should.

One governed platform to onboard, approve, fund and settle supplier finance, with maker-checker and an immutable audit trail end to end.

Book a sessionSee the platform
Wired into KEPSS · PesaLink · M-Pesa · SWIFT
+KES 50.7M disbursed
Live portfolio
Financed this quarter
KES 483.1M
Limit utilisation70%
Financed trendRolling 12 weeks
Next disbursement windowToday · 15:00 EAT
Invoices processed1,24894.7% straight-through validation
Active suppliers186Across 47 Kenyan counties
Cash-flow acceleration2.4 daysSooner than standard terms
On-time settlement99.2%Across KEPSS, PesaLink and M-Pesa
Built on bank rails

Settle on the rails your bank already runs.

Money moves on the right rail for every payment, with currency and compliance configured per market.

KEPSS / RTGS
High-value settlement
PesaLink
Real-time retail
M-Pesa
Mobile mass payout
SWIFT
Cross-border
EFT / ACH
Batch rails
100%core-integrated
Same-daydisbursement
Real-timesettlement
Country-configurablecurrency & compliance
How it works

Five stages. One transparent ledger.

Buyers, suppliers and Trade Operations watch the same invoice move from intake to settlement, in real time.

01Trade Operations

Onboard & verify

KRA PIN, BRS/CR12, eTIMS and bank confirmation, cleared by Trade Operations.

02Supplier → Ops

Ingest & validate

Invoices, POs and GRNs flow through Intake Studio with doc-match and a readiness score.

03Buyer

Approve

The anchor buyer approves receivables against PO and delivery, under maker-checker.

04Trade Operations

Finance

Auto-underwriting matches eligible invoices to policy; funds go out on KEPSS or PesaLink.

05Trade Operations

Settle & recycle

Buyer pays at maturity, the waterfall allocates fees and limits recycle automatically.

Pre-configured forFMCG & DistributionBeverage Route-to-MarketDairy & AgribusinessFuel & Retail Networks
Built for every role

One network. Three workspaces.

Your bank runs one network, with a workspace built for every participant: anchor buyers, SME suppliers, and your Trade Operations desk.

For Anchor Buyers01

Sponsor supplier liquidity without stretching your balance sheet.

Run payables programmes that shorten supplier DSO while holding your terms and exposure limits.

  • Approve invoices against PO and delivery evidence
  • Exposure & concentration dashboards with waterfall allocation
  • Program performance insight across suppliers and sectors
Explore Anchor buyer workspace
For Suppliers02

Turn approved invoices into working capital in minutes.

Upload once, track every status, accept the right offer, built for SMEs across Kenyan counties.

  • Single or batch invoice upload with row-level validation
  • Funding offers with transparent fee and settlement breakdown
  • Statements, remittance advice and audit-ready document vault
Explore Supplier workspace
For Trade Operations03

One desk for the back office, platform and controls.

Intake, disbursement, settlement, collections, audit and platform admin, orchestrated with dual control, end to end.

  • Intake readiness score, disbursement queue and settlement waterfall
  • Tenants, users, roles, templates and policy configuration in one place
  • Maker-checker, audit trail and integration health across every rail
Explore Trade Operations workspace
Full-stack capability

Global-grade SCF, built for African rails.

The control tower, discounting economics and mass-payout reach your treasury team expects, now native to African banking.

Cash forecasting & payments orchestration

7 / 14 / 30-day liquidity outlook with confidence bands.

Multi-funder anchor programmes

A panel of funders per anchor, configurable per programme.

Dynamic discounting, live rates

Slide the payment date and watch fee and net recalculate in real time.

Marketplace early-payment economics

Supplier-initiated early payment today; the marketplace overlay is a roadmap layer.

Network onboarding at scale

One onboarding pipeline for anchors, suppliers and employees alike.

Mass payout across rails

A single disbursement queue spanning PesaLink, KEPSS and M-Pesa.

AR auto-match with confidence

The settlements ledger scores auto-match confidence per row, with an unmatched queue.

Live product proof

See your trade desk run on live data.

Intake to maturity with bank-grade controls at every step, running on a live demo dataset.

Ops workspaceExecutive portfolio dashboard
PortfolioKES 483.1M+4.8% QoQ
Utilisation70%Of approved limits
Overdue1.8%Within policy
Liquidity outlook7 / 14 / 30-day
Exposure by anchorConcentration limits
Summit Retail
KES 198M
Savanna Beverages
KES 142M
Highland Dairy
KES 86M
Meridian Fuels
KES 56M
Signature · OpsDisbursement command center
Queue · disbursing nowKES 135.0M
INV-0021
Highland DairyPesaLink
KES 29.9M
INV-0014
Savanna BeveragesM-Pesa
KES 43.8M
INV-0007
Acacia DistributorsPesaLink
KES 13.3M
INV-0000
Summit RetailKEPSS
KES 23.8M
Maker-checker requiredApprove batch
Signature · OpsGIKTRADE intake studio

Batch 00412 · 84 rows · KES 41.2M

Parsed and matched against PO & GRN

Readiness score94.7%
Rows accepted79 / 84
Exceptions5
Ready to stage 79 invoices
Signature · OpsSettlement control tower
Allocation waterfall
Principal
KES 13.6M
Interest
KES 3.6M
Fees
KES 1.6M
Buyer rebate
KES 1.2M
Daily settlement
4.6M
Mon
2.7M
Tue
5.4M
Wed
2.9M
Thu
Governance & trust

Controls built in, not bolted on.

Every action carries an owner, an approver and an immutable record, built for your bank's operations, audit and compliance.

Maker-checker controls

Four-eyes on every action

Immutable audit trail

Actor, timestamp, evidence

RBAC & environment tags

DEV / UAT / PROD clarity

Core banking integration

KEPSS, PesaLink, SWIFT

Encrypted document vault

Retention & legal hold

Exception governance

Reason codes & sign-off