Pool funds with peers to bridge SOE payment gaps for Algerian makers.
Algerian small and medium-sized manufacturers suffer crippling cash flow shortages from chronic payment delays by state-owned enterprises lasting over a year.
DinarPool connects manufacturers to lend/borrow against delayed SOE invoices at low rates via P2P. Smart matching based on invoice quality and trust scores prevents defaults. A shared escrow holds funds until payment confirmation.
Small and medium-sized manufacturers in Algeria supplying state-owned enterprises
Algeria-first P2P network with SOE invoice verification and local DZD currency support.
supportive
Upload and verify invoices against SOE public records/notary.
Match lenders to borrowers based on amount, risk, duration.
Hold funds in Stripe escrow, release on payment proof.
Score users based on repayment history and invoice success.
Track active loans, repayments, and cash flow impact.
Simulate loan terms and fees.
Simple voting/arbitration for issues.
Push notifications for matches/repayments.
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No | |
| company_name | text | No |
| trust_score | int | Yes |
| role | text | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| soe_name | text | No |
| amount_dzd | int | No |
| verified | bool | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| borrower_id | uuid | No |
| lender_id | uuid | No |
| invoice_id | uuid | No |
| amount | int | No |
| status | text | No |
Relationships:
/api/invoices/verifyVerify invoice
/api/loans/requestCreate loan request
/api/loans/matchFind matches for lender
/api/loans/:id/fundFund loan via Stripe
No lending/borrowing
$10k/mo volume
$50k/mo
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 15 | 7% | $37 | $444 |
| Month 6 | 120 | 12% | $500 | $6,000 |
Lend or borrow against verified invoices – low rates, fast cash for Algerian manufacturers.
Post in Algerian manufacturer WhatsApp/Telegram groups, offer 0% fee first loan. Partner with local chamber of commerce. DM 20 active suppliers on LinkedIn mentioning SOEs.
Fast funding
US-only
P2P low-cost, Algeria SOE focus
Network effects from growing lender/borrower pool and invoice data.
Rising SOE contracts but chronic delays create financing gap.
P2P lending regs in DZ
Structure as escrow service, consult lawyer
Defaults
Verification, scores, escrow
Success: 50% interest
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