About Us

Every day, thousands of healthcare SMEs in Africa run out of cash to restock essential medicines, power their clinics, or fulfill orders. Traditional lenders demand collateral and paperwork these businesses often don’t have, while informal credit is expensive and unreliable. This financing gap results in stockouts, service disruptions, and reduced capacity to serve patients. At the same time, patients especially in low-income communities, struggle to afford essential healthcare services due to a lack of flexible, affordable payment options. Together, these barriers undermine access to quality care and worsen health outcomes in underserved areas.

Using transaction, inventory, and behavioral data, Paycient Finance provides fast, direct and embedded credit to healthcare SMEs, enabling them to purchase pharmaceutical inventory, solar assets, and medical equipment with manageable repayment plans. For patients, Paycient offers point-of-care installment payment solutions for non-emergency services such as dental care, surgeries, gynaecological care thereby easing out-of-pocket burdens. By integrating lending into existing supply chain flows and supporting both providers and patients through community engagement and capacity building, Paycient strengthens Africa’s last-mile healthcare system, improving care continuity, access, and affordability.