Agridex International, the fintech behind the Loam digital payments and treasury optimisation platform, has announced a strategic partnership with Tradeflow Capital Management to help unlock more capital for Kenya’s agricultural sector and SMEs across Africa.
The collaboration brings together Tradeflow’s experience in structured trade finance with Agridex’s Loam settlement infrastructure to accelerate the flow of working capital into commodity and SME value chains. At a time when African businesses still face high costs and long delays for cross-border payments, the two firms are positioning technology as the backbone for faster, cheaper, and more transparent trade finance.
At the centre of the partnership is Loam, Agridex’s proprietary payments and treasury platform, built specifically for markets where traditional banking rails are slow, expensive, or difficult to access. Loam enables near-instant settlement with transaction costs below 0.2%, compared to the 3% or more that many businesses pay through conventional cross-border systems.
By using Loam as its core capital deployment infrastructure, Tradeflow will channel structured trade finance into agricultural and commodity trades across Kenya and other priority African markets. The goal is to reduce currency friction, lower transaction costs, and give SMEs real-time visibility into where their money is — a critical issue in fragmented trade ecosystems.
“Loam was built to solve real payment and settlement challenges in emerging markets,” said Henry Duckworth, Founder and CEO of Agridex. “Tradeflow’s adoption of Loam as a core conduit for capital deployment demonstrates how modern payment rails can unlock scale, efficiency, and resilience in African trade finance.”
Tradeflow brings significant experience to the partnership. Since inception, the firm has turned over more than US$5 billion in SME trade transactions using asset-backed, data-driven financing models.
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