Turn Waiting into
Working Capital

With Vendi by Carbon, you don’t have to wait 45–90 days for client payments.

GET UP TO

95%

With Vendi by Carbon, you don’t have to wait 45–90 days for client payments.
Fast, digital, and built for businesses that can’t afford delays
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Vendi by Carbon is invoice
discounting, reimagined.

Submit your invoice. Get your cash upfront. Carbon waits for payment, so you don’t have to.

Early access to up to 95%
of your invoice value

Fast disbursement once
your invoice is verified

No chasing clients —
Carbon collects directly

Smooth, digital process
via the Vendi platform

Cash flow without a loan —
no collateral, no stress

The job is complete.
Your cash should be, too.

To qualify, you must:

Be a CAC-registered  business

Have a valid invoice  issued to an approved  corporate buyer

Be able to verify  delivery of goods  or services

Have (or sign up for)  a Carbon Business  account

How it
works

Submit your invoice

via the Vendi platform

Carbon verifies

via the Vendi platform

You get 95% upfront

via the Vendi platform

Carbon collects

via the Vendi platform

If your client doesn’t pay, you refund the advance within 15 business days.

Fees:

5% discount fee  deducted upfront

Late penalties if your  client defaults and you  don’t repay on time

What You Have To Do
1
Submit only valid, undisputed invoices
2
Notify your client the  invoice is assigned to Carbon
3
Ensure your client pays into Carbon’s account
4
Repay Carbon if your client defaults
5
Provide accurate  information, always
If your client mistakenly pays you, you must transfer the full amount to Carbon within 24 hours.
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Fully CBN-licensed
Complies with AML and data protection laws
100% electronic communications - fast, transparent, secure

Frequently Asked Questions

What most people ask about Vendi by Carbon

What is Vendi by Carbon?
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Who can use Vendi?
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How much of my invoice can I get?
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How fast will I get paid?
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What if my client doesn’t pay?
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Is this a loan?
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What are my responsibilities?
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What does it cost?
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How secure is Vendi?
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How do I start?
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Access fast loans and overdrafts

Monthly interest on deposits

Income and expenses Manager

Unlock the full potential of your business with a feature-rich account designed for growth.

Open a Business Account in 5 minutes
Business OS

Financial OS Built For Your Business

Empower your business with the right tools to bank anywhere while boosting revenue.

Business account

Open a Carbon Business bank account in 5 minutes.

Get Real-time visibility, initiate transactions, approve payments and manage your account balances from a single dashboard.

Create multiple sub-accounts for one business

Send Bulk payments to over 5,000 beneficiaries at once

Splits payments and manage account approvals

Business loan

Access up to ₦9,500,000 in business loans

No need to wait for unpaid invoices or to take cash from rigid sources of financing. Get up to ₦9.5m within 48 hours to grow and expand your business.

No collateral or guarantor required

Affordable rates with up to 6 months tenor

Unlock higher loan amounts and lower interest rates by repaying loans on time.

Collections

Get Paid Everywhere

Let your customers complete payment faster by providing them with payment methods they are already familiar with.

Accept payment from anywhere in Nigeria

Create, share and track your customer invoices

Create payment links to request and accept payment from anywhere

Investment

Earn up to 15.5% interest on your Fixed Deposit

Put your idle and excess cash to work. You save the money, we grow it! Earn up to 15% interest on your ‘Fixed’ savings in 12 months.

Choose between flexible, target or fixed plans

Lock away bulk sums for capital projects

Invest towards your long or short term goals

Want to find out more about Carbon Business?

Schedule a call with our team — we’ll help you get started and answer your questions.

Request a Call Back
Get started

Ready For Your Carbon business Experience

Get started in 3 easy steps now

Create your account

Create a new account or Log in to your existing profile via our mobile or web app.

Complete your KYC/KYB

Complete your KYC/KYB by uploading the necessary information for review.

Start banking

You’re ready to go. Carry out all your banking transactions within the app.

Create your account

Create a new account or Log in to your existing profile via our mobile or web app.

Complete your KYC/KYB

Complete your KYC/KYB by uploading the necessary information for review.

Start banking

You’re ready to go. Carry out all your banking transactions within the app.

Banking for everyone

Regardless of the scale, sector or phase of growth of your organization

We consistently deliver exceptional value

Business Incorporation

Operating on your personal bank account? We help you register your business in Nigeria

Small Businesses

Focus on growing your business, while we help you manage your financials

Startups

Banking and expense management targeted at startups, helping you stay in control.

Self-employed

Built for vendors, creatives, freelancers and sole proprietors. We help you grow
Brands & Corporates
Big brands have requirements, we understand, we help scale your finance department.
Get started with Carbon,
it only takes 5 minutes
Join thousands of businesses trusting Carbon for for simplified finance, credit and banking