Smart Rafiki
How Smart Rafiki works, for the people who use it from the outside. Pick the one that describes you.
Last updated 2026-09-11
Find out what you can spend, prove where you work, choose something, and set up a repayment plan. You will know your limit before you shop, not at the till.
If you are an employerSend the monthly staff list, tell us when someone joins or leaves, and understand exactly what we do with it — and what we never ask you to do.
If you are sellingOrders placed on credit, what to hand over, and how and when you are paid.
Not what it is planned to do. Where something is not ready, the guide says so rather than describing it as though it works. If what you see does not match what is written here, tell your Smart Rafiki contact — the guide is wrong until proven otherwise.