The investment will support Sevi’s path to profitability, accelerate product development, and strengthen its regional expansion plans as demand grows for working capital solutions tailored to small businesses.

Founded by Walter aan de Wiel and Bartel Verkruijssen, Sevi operates an “Order Now, Pay Later” platform that enables retailers to purchase inventory on credit while suppliers receive immediate payment.

By embedding financing directly into existing supply chains, the company helps small merchants restock when demand arises without requiring large upfront cash outlays.

Retailers then repay the financing in flexible installments as they generate sales, improving cash flow and reducing one of the biggest barriers to business growth.

The investment reflects growing investor interest in embedded finance solutions that address Africa’s persistent SME financing gap.

Across Kenya and much of the continent, many small businesses struggle to access affordable working capital through traditional lenders, limiting their ability to maintain inventory, meet customer demand, and expand operations.

Sevi’s model integrates credit into day-to-day commercial transactions, making financing more accessible while helping suppliers increase sales and strengthen their distribution networks.

“We were attracted to Sevi because of its experienced founding team, scalable technology-driven business model, strong traction among both retailers and suppliers, and significant potential to advance financial inclusion and job creation,” Oxano Capital said in a statement.

“Through this investment, Oxano Capital aims to support Sevi’s journey toward profitability, continued product innovation, and regional expansion, in line with our mission of investing in businesses that deliver both strong financial returns and lasting social impact.”

Sevi has built its platform around established supplier and distributor networks, allowing financing to be offered at the point of purchase rather than through traditional lending channels.