Bridge cash gaps by factoring unpaid gov invoices instantly
Kenyan contractors are crippled by Sh127 billion in unpaid government project dues, causing severe cashflow shortages and halting ongoing projects.
PayBridgeKE verifies unpaid government invoices and matches contractors with local financiers for quick discounting at competitive rates. It handles escrow, legal checks, and payments in 48 hours. Contractors get 80-90% upfront cash while awaiting full gov payment.
Kenyan contractors working on government infrastructure projects
Kenya-specific gov invoice verification using tender IDs and blockchain escrow for trust
supportive
Auto-verify against public gov tender databases
AI matches to financiers based on amount/credit
Compare factoring offers side-by-side
Secure escrow release on gov payment
Build contractor credit profile from invoices
Notify on best factoring rates
Pre-filled factoring agreements
Separate login for financiers
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No | |
| role | text | No |
| created_at | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| tender_id | text | No |
| amount | int | No |
| verified | bool | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| invoice_id | uuid | No |
| financier_id | uuid | No |
| rate | int | No |
| status | text | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| min_amount | int | No |
Relationships:
/api/invoices/verifyVerify invoice
/api/offersList offers for invoice
/api/offers/:id/acceptAccept offer
/api/dashboard/offersUser dashboard
No matching
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 40 | 4% | $58 | $696 |
| Month 6 | 250 | 10% | $725 | $8,700 |
Factor unpaid invoices with trusted Kenyan financiers – no more project halts.
Partner with 2-3 small financiers in Nairobi via LinkedIn, offer free listings. Target contractors in WhatsApp groups 'Kenya Roads Contractors' with demo invoices. Cold email from PPRA tender lists.
General factoring
No gov specialization
Gov tender verification + marketplace
Network effects from growing financier/contractor matches and data moat on verified invoices
127B dues backlog + rising interest rates making factoring attractive
Financier default
Escrow + vetting
Factoring regulations
CBK compliant templates
Success: Interest from 3 financiers
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