


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
via the Vendi platform
via the Vendi platform
via the Vendi platform
via the Vendi platform
If your client doesn’t pay, you refund the advance within 15 business days.
5% discount fee deducted upfront
Late penalties if your client defaults and you don’t repay on time
What most people ask about Vendi by Carbon

Vendi is an invoice discounting solution that gives you up to 95% of your invoice value upfront. Instead of waiting months for corporate clients to pay,Carbon pays you now and waits on your client.

Any CAC-registered business with invoices issued to approved corporate buyers.You must verify delivery of goods or services and hold a Carbon Business account.

You receive 95% of the value of your invoice.

Vendi is an invoice discounting solution that gives you up to 95% of your invoice value upfront. Instead of waiting months for corporate clients to pay, Carbon pays you now and waits on your client.

If the client defaults, you refund the advance within 15 business days. Late penalties may apply.

No. Vendi isn’t a loan. You’re assigning Carbon the right to receive payment on your invoice in exchange for early access to cash

Submit only valid, undisputed invoices
Notify your client that carbon now holds payment rights
Ensure client payments go directly to carbon repay carbon it the client defaults

A flat 5% discount fee upfront. No hidden charges.

Carbon is CBN-licensed and compliant with AML and data protection standards. Your money and data are safe.

Open a Carbon Business account
Sign up on the Vendi platform
Submit your invoice via Vendi
Get Verified and receive up to 95% of the value early
Access fast loans and overdrafts
Monthly interest on deposits
Income and expenses Manager
Empower your business with the right tools to bank anywhere while boosting revenue.
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




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.
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




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
Schedule a call with our team — we’ll help you get started and answer your questions.
Get started in 3 easy steps now
Create a new account or Log in to your existing profile via our mobile or web app.
Complete your KYC/KYB by uploading the necessary information for review.
You’re ready to go. Carry out all your banking transactions within the app.
We consistently deliver exceptional value




