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Capital

MICROFINANCE
AND COMMERCE.

Reference

Microfinance institutions lend where banks will not, at sizes banks will not, to people with no collateral and no credit file. They are the working capital behind an enormous amount of real trade, and they are almost entirely invisible to commerce software.

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What to know
What an MFI does differently
Small principals, short terms, frequent repayments and lending decisions based on local knowledge rather than a file. Group lending, where members guarantee each other, replaces collateral with social accountability.
The information problem is mutual
The borrower cannot evidence their trade and the lender cannot verify it, so both fall back on proximity — which limits how far the model can reach and how cheap the capital can get.
A record helps both sides
A participant with a verifiable history of completed trade is easier to lend to and cheaper to assess. That is the same argument as everywhere else on GRAJ: recorded contribution is portable and unrecorded contribution is not.
Where GRAJ fits, honestly
It is not an MFI and does not intend to become one. What it can do is make a participant's trading record legible to whoever is lending, which is the part currently missing.
The rate conversation has to be honest
Microfinance rates look extreme against consumer credit and are frequently the cheapest capital genuinely available to that borrower. Both facts are true and the comparison that omits either is misleading.
The list below is a directory, not a panel
The institutions shown for your country operate independently of GRAJ. There is no agreement with any of them, no referral fee in either direction, no information shared, and nothing submitted here reaches anybody — you contact them yourself. They are listed because knowing where to start is genuinely useful, and for no other reason. This endpoint once described them as GRAJ partners, which was untrue of every one of them, and that is why the fact is repeated on each entry rather than stated once.
Where to go next
DECIDING WHO GETS CREDIT.
Credit decisions in wholesale are made on thin information, which is why they default to proxies — how long you have traded, who introduced you, whether you look like previous borrowers.
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FACTORING, AT SMALL SIZES.
Factoring solves the wholesale cash gap: you sell an unpaid invoice at a discount and get paid now instead of in sixty days.
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GETTING PAID BEFORE YOU GET PAID.
Wholesale runs on a gap: you buy or make the goods, ship them, and get paid sixty days later.
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GRAJ

READY TO
RUN YOUR GAME ON GRAJ.

Free to join. Participants keep 95% of every transaction; GRAJ takes 5%. Built for 195 countries — payments live in the United States.

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