Mostafa Masry, Co-founder and CEO of Fincart.io, explains that the platform streamlines shipping, cash collection, and financing for e-commerce SMBs across Africa and the Middle East, offering an all-in-one solution to improve operational efficiency and accelerate growth.
What motivated you to establish Fincart.io, and how does it address the specific challenges faced by e-commerce SMBs in Africa and the Middle East?
When we launched Fincart.io, we saw a clear gap: e-commerce SMBs were struggling with underliable & expensive shipping and having very limited access to capital. They were spending too much time chasing couriers, managing cash collections, and dealing with delayed payouts. Fincart.io solves this by centralizing shipping, cash collection, and working capital access under one platform — simplifying their operations and improving their cash flow.
Can you elaborate on how Fincart.io’s platform streamlines shipping operations and provides quick access to working capital for online sellers?
Fincart.io offers a plug-and-play shipping solution that connects sellers to multiple couriers through a single dashboard. Our system handles everything from order dispatching to real-time tracking to cash collection & reconciliation. On the financing side, because we manage the shipping and cash flows, we’re uniquely positioned to offer quick, data-driven cash advances to sellers without lengthy paperwork or traditional bank friction.
With the recent pre-seed funding, what are your immediate priorities for enhancing Fincart.io’s technology platform and expanding its courier network?
Our immediate priorities are to enhance our merchant experience by improving automation around courier selection, shipment reconciliation, and cash flow management. We are focused on continuous improvement and rollout of more features that builds a more seamless and conveient experience for our customers, and to continue pushing our monthly double-digit growth rate.
How does Fincart.io’s courier recommendation engine work, and what benefits does it offer to merchants in terms of delivery performance and efficiency?
Our courier recommendation engine evaluates each shipment based on factors like delivery success rates, pickup times, return speeds, and shipping cost. It then recommends the best courier for that particular order with consideration to merchant’s specific configurations. This means merchants get faster deliveries, fewer returns, and competitive shipping rates — without having to guess which courier to use every time. We help put the right data for them to read and easily make informed decisions about their last-mile operations
Could you share more about the partnerships Fincart.io has established with regional and international investors, and how these collaborations will support your growth objectives?
We’ve been fortunate to partner with leading regional & global investors across the Middle East, Africa, and the US, including Plus VC, Plug & Play, Jedar Capital, Orbit Startups, Falak Startups & Reflect Ventures. Beyond capital, they bring strategic value through their networks in logistics, fintech, and e-commerce, helping us open doors for new partnerships and regional expansion.
In what ways does Fincart.io plan to scale its operations to meet the projected growth of the e-commerce market in Africa and the Middle East, expected to reach $75 billion by 2028?
Our focus is on scaling through technology and merchant enablement. We’re doubling down on automating shipment management, cash flow tracking, and financing approvals to handle much larger merchant volumes with minimal human intervention. In parallel, we are building a merchant success ecosystem — offering insights, benchmarks, and actionable tools that help sellers improve fulfillment speed, reduce return rates, and optimize cash conversion cycles.
By making our platform a true profit-enabler for merchants, not just a shipping tool, we believe we can capture a significant share of the market’s growth without sacrificing operational efficiency.
Looking ahead, what are your long-term goals for Fincart.io, and how do you envision the platform evolving to better serve e-commerce SMBs in the region?
We see Fincart.io evolving into a fully AI-powered e-commerce infrastructure operating system — where logistics, payments, financing, and merchant insights are intelligently automated from end to end.
Our long-term vision is for merchants to simply focus on selling, while Fincart.io handles everything operational: optimizing shipping routes, predicting cash needs, securing financing, automating courier selection, and managing cross-border logistics — all powered by data and machine learning in real time.
By eliminating operational guesswork and unlocking faster access to capital and better courier performance, we will give SMBs the tools they need to compete — and win — in an increasingly digital, fast-moving market.
We’re not just building a shipping software; we’re building the invisible engine that powers the future of e-commerce across emerging markets.
