Finance the trade you can already win.
One record for your buyer, your bank and your forwarder, and purchase finance against your own equity, for local trade and export.
- Buyer acknowledged the payment directionDay 1
- Your 35% equity in escrowDay 3
- Bank advance approved, 65%Day 3
- Loaded and sealed: 30,000 kgDay 4
- Receipt signed: 29,940 kgDay 5
- Your margin paid, last in the orderDay 22
Specimen. Illustrative only.
What changes for a trader
You keep your buyers, your suppliers and your price. Miziba adds the evidence a bank needs to fund the trade.
Purchase finance against your equity
A partner bank can advance up to 65% of the purchase cost against equity of at least 35% from you, depending on the buyer’s tier. You are the borrower of record, and the bank decides.
One record for everyone who asks
The buyer, the bank and the forwarder read the same weights, seals and receipts. Nothing to retype, and one set of facts if there is an argument later.
Your own books, kept apart
Workspace holds your trucks, contracts, stock, invoices and payments. It is yours alone and never mixed with the trade record.
Your part of a trade
What you do at each step, and what you can see. Everything else is recorded by the person who was there.
| Step | What you do | What you see |
|---|---|---|
| Registered | Name the trade: commodity, volume, buyer, aggregator and funding. | Miziba operations’ validation, and any document still missing. |
| Funded | Put your equity into escrow. The bank approves its advance. | The escrow balance, held at the bank under the trade’s reference. |
| Hub | Confirm the lot is the one you ordered. | Weight, count and seals signed by two officers, and the aggregator’s quality statement. |
| Moved | Nothing. The driver carries a trip card. | The truck’s position, its stops and any exception. |
| Delivered | On export trades, confirm the handover to the forwarder. | The gate receipt or the port handover, and the quality window. |
| Settled | Nothing. The bank pays out in the fixed order. | Your settlement statement, with your margin paid last. |
On export trades the seller is the exporter of record, never Miziba, a finance partner or the forwarder.
Your own books, between trades.
Workspace keeps the records you already keep on paper and phones, labelled as yours and kept apart from the verified trade. Use it on every deal, financed or not.
- Deals, trucks, stock, invoices and payments in one place
- Prices and margins seen only by your Admin and Accounts users
- Works offline and syncs when there is signal
What you need to join
Your business joins once, then takes part in any trade in whatever role that trade needs.
- Certificate of incorporation and company particulars
- Ghana Card for each director, or passports for companies registered abroad
- A bank account in the business’s own name
- Tax identification number
Miziba operations review your documents and open the account. A named guide walks your first trade with you.
- Commodity
- Shea kernels
- Quantity
- 30,000 kg
- Trucks
- 2 assigned
- Contract price
- Admin and Accounts only
- Documents
- 4 on file
- Source
- AWD-0391 / RFQ-1182
Your own records. A pack shared with a bank is marked “Not verified by Miziba.”
Questions
Does Miziba lend me money?
No. A partner bank decides and provides the purchase finance. Miziba records the trade.
Will Miziba find buyers for me?
No. You bring your buyer. Members can find each other in the network, on their own terms.
Can my buyer see my margin?
No. Your buyer sees its order, the goods and its payment, not your purchase price.
What does it cost?
Fees are agreed before the trade and always invoiced. Where money is in escrow, they are paid third in the payment order. They never depend on margin or outcome.
What happens if the buyer objects to quality?
The retention stays in escrow while you settle it under your contract. Miziba records each step and does not decide who is right.
Bring us your next trade.
Tell us the commodity, the volume, the buyer and where it needs to go. We will show you how it would be recorded, funded and paid.