Liquify, a fast-growing Ghanaian fintech startup, has successfully secured an oversubscribed $1.5 million seed round to expand its AI-driven invoice financing platform. The startup is tackling Africa’s massive $120 billion trade finance gap, empowering SME exporters across the continent with quick access to working capital.

Liquify operates a digital invoice financing marketplace, connecting African small and medium-sized exporters to global investors and capital markets. Through its fully automated fintech platform, Liquify transforms unpaid export invoices into same-day working capital—enabling exporters to receive payments in hours rather than waiting 30 to 90 days. For investors, it opens access to a new class of short-term, low-risk trade finance assets.

“Liquify unlocks cash flow stuck in unpaid invoices,” said Nadya Yaremenko, who co-founded the company in 2023 alongside Alberta Asafo-Asamoah. “Exporters upload invoices, and our platform automates KYC/AML compliance, credit checks, and settlement. Funds are disbursed within hours—at a much lower cost compared to traditional financing.”

Since its beta launch in late 2024, the fintech platform has processed over 150 invoice financing transactions, facilitating $4 million in trade finance for African SMEs.

The $1.5 million seed investment will fuel Liquify’s growth across Sub-Saharan Africa. The funding round was led by Future Africa, with participation from top African fintech investors including Launch Africa, 54 Collective, Digital Africa, and Equitable Ventures, alongside several strategic angel investors. In addition, Emerald Africa extended its debt facility, boosting Liquify’s liquidity and ability to support its rapidly expanding SME customer base.

Accelerating Fintech Innovation Across Africa

With this capital injection, Liquify plans to scale its Ghana operations, hire talent across product, technology, and customer success teams, and expand into Anglophone and Francophone African markets. The startup also aims to advance its AI-powered due diligence, credit scoring, and compliance engines, solidifying its position as a key fintech player in Africa’s digital lending and trade finance ecosystem.

“We built Liquify to solve the trade finance barrier holding back Africa’s most dynamic SMEs,” added Yaremenko. “This investment validates our vision of a digital-first, AI-driven fintech platform that allows exporters to convert invoices into instant cash, while offering global investors exposure to untapped African markets.”

About Liquify

Founded in 2023, Liquify is an African fintech startup providing invoice financing solutions for SME exporters. By leveraging AI and automation, Liquify bridges the trade finance gap, offering affordable, accessible working capital and transforming the way African businesses engage with global trade.