How informal retailers increased revenue and access to supply.

Thousands of small retailers increased product availability by 20–40% and unlocked working capital through AI-driven credit scoring built on their actual transaction data.

The Challenge

What wasn't working.

Tuck shops, spaza shops, and market stalls form the backbone of commerce in Southern Africa — yet most operate without working capital, without digital tools, and without any access to the brands they want to sell. They wake at 4am to travel to wholesale markets, pay 40-80% above factory prices, and lose entire days that could be spent serving customers.

No credit access from banks — no audited financials, no collateral
Limited product selection due to upfront cash requirements
Hours lost each week travelling to wholesale markets
No visibility into which products would actually sell well in their location

The Solution

How Lumanw changed it.

Retailers downloaded the free Retailer App and started ordering from the multi-supplier marketplace. Within weeks, AI Credit had scored their transaction history and offered them working capital lines — disbursed directly to suppliers, not as cash. Top retailers added a Lumanw-provided device to fully digitise their entire shop.

Free app gives access to 1,000+ products from suppliers across the country
Orders delivered to the shop — no more 4am market trips
Working capital lines based on actual sales velocity
A Lumanw-provided device for retailers ready to fully digitise — payments, inventory, analytics, working capital, all in one tool