Technology and Operations

Tailor-made commerce solutions built to work and built to scale.

We help banks, merchants, and institutions run interest-free asset financing end to end. The customer journey stays clear, managed, and visible at every step.

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Audience types

Banks, merchants, OEMs, institutions, partners

Capability modules

From intake to reporting

Execution-led

Structured by design

Multi-market

Ready to deploy

Built for East African realities

What We Are

Soleil provides the technology, operations, and execution infrastructure that enables banks, institutions, merchants, and partners to deliver asset financing, BNPL, and commerce solutions at scale.

Banks & Institutions+Partners+Customers

One managed journey.

Who We Serve

Built for the whole ecosystem.

Five audience types. One shared operating model.

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Banking

Banks & Financial Institutions

Launch financing journeys with stronger execution and clear visibility.

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Commerce

Merchants & Retail Groups

Join financed commerce with a clear, coordinated order and fulfillment flow.

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Distribution

OEMs & Distributors

Move assets through organised, institution-backed demand channels.

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Employer Programs

Payroll-Linked Ecosystems

Set up structured staff access through a clean, governed process.

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Enterprise

Strategic & Enterprise Partners

Build scalable models that link finance, commerce, and execution in one place.

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Operating Model

The Soleil Operating Model

We tie together financing, onboarding, order flow, fulfilment, confirmation, and reporting. One operating layer for the whole journey.

Banks stay as the financing partners. Merchants stay as the sellers. Soleil runs the layer that makes the model work in the real world.

Bank / Institution

Financing partner
Credit decisions · Product design

↓

Soleil Workflow Layer

01Customer Onboarding

02Eligibility Management

03Order Control & Validation

04Fulfilment Coordination

05Customer Confirmation

06Reporting & Visibility

↓

Merchant / Distributor

Fulfilment · Asset handover
Delivery confirmation

↓

Customer

End recipient
OTP confirmation · Acceptance

Reporting visibility back to all partners

The Challenge

Good financing products fail without strong execution.

Many financed programs start well. They fail at delivery. The gap between approval and handover is where most break down.

Soleil exists to close that gap.

End-to-end

Journey coordination

Clear roles

For every participant

Full visibility

Across all stages

What Soleil Operates

Seven capabilities. One connected model.

Financed commerce has many moving parts. Most teams run them in silos. Customers feel the gaps.

Soleil brings them together: onboarding, product journeys, merchant flow, fulfilment, engagement, and reporting on one clean line.

Capability modules

Journey stages

Connected model

Discuss a Solution

Customer onboarding

Structured entry with clean data and clear journey initiation.

Eligibility-linked workflows

Each step shaped by partner-defined rules and approved limits.

Product and asset journeys

Guided commerce experiences that connect customers to eligible assets.

Merchant and partner coordination

Channel flow, order progression, and partner readiness in sync.

Fulfilment management

Delivery logic, handover, and confirmation under one framework.

Customer engagement

Continuity, reminders, and support from start to confirmation.

Reporting and visibility

Stage-by-stage clarity for institutions and partners.

How It Works

Eight stages. One managed journey.

A clear path from access to fulfillment, grouped into four phases, with every handoff defined.

Phase 01

Onboarding

Channel Entry

Customer enters through a bank, merchant, employer, or partner channel.

Eligibility Received

Soleil receives approved parameters from the financing partner.

Phase 02

Selection

Asset Selection

Customer selects an eligible asset or confirms a merchant cart.

Order Validation

Soleil validates pricing, partner rules, and workflow conditions.

Phase 03

Fulfilment

Controlled Fulfilment

Merchant or distributor delivers through a structured handover.

Evidence Capture

Proof of purchase, identification, and asset evidence are recorded.

Phase 04

Closing

Customer Confirmation

Customer confirms receipt via OTP or structured digital flow.

Completion & Reporting

Bank and partner receive full status and reporting visibility.

Onboarding

Channel Entry

Onboarding

Eligibility Received

Selection

Asset Selection

Selection

Order Validation

Fulfilment

Controlled Fulfilment

Fulfilment

Evidence Capture

Closing

Customer Confirmation

Closing

Completion & Reporting

See the Full Journey Detail

Why It Matters

Why Soleil matters

Many finance programs look strong on paper. They break in the real world.

We help banks move from broken handoffs to a clean, managed journey that scales.

Learn About the Company

Clearer roles across the ecosystem

Finance, commerce, and fulfilment work when each side knows its job.

A connected customer journey

Customers move through one clean flow, not a set of broken steps.

Stronger operational discipline

Every stage has a clear owner and a clear next step.

Better partner coordination

Merchants, distributors, and banks work inside one shared frame.

Built for scale

Growth means running the same model more times, not rebuilding it.

Structured commerce financing consultation

Built for Many Models

One execution layer. Many financing models.

Soleil works across asset financing, BNPL, payroll-linked schemes, and other structured commerce models. We set clear roles, asset-based journeys, and clean operating controls for each one.

Our job is to run the journey, line up the partners, and keep every step disciplined.

Clear structure matters as much as good intent.

Explore Our Solutions

Use Cases

Real value, every participant.

Each case answers one question: who wins, and why does the model work for them?

Asset Financing & BNPL

BanksMerchantsCustomers

Banks scale asset-backed financing. Merchants lift sales through institutional channels. Customers access devices through clean, structured repayment.

Household Asset Access

BanksEmployersCustomers

Banks and employers offer financing for household goods and appliances. Customers get clean delivery and confirmation each time.

Institutional Staff Schemes

EmployersInstitutionsStaff

Employers and institutions give staff access to key assets. The flow handles eligibility, fulfilment, and confirmation for them.

Payroll-Linked Access Models

EmployersBanksStaff

Employers run staff access programs without the ops load. Banks reach more borrowers through employer channels. Staff get assets on a clean, salary-linked path.

Merchant-Led Commerce

MerchantsBanks

Retailers join bank-backed sales without owning credit or repayment. The bank keeps the finance relationship. Soleil runs the execution.

Multi-Partner Distribution

BanksOEMsDistributors

Banks, OEMs, distributors, and logistics partners work in one shared frame. Clear roles, clear order flow, clear ownership at every stage.

Market Focus

Built for emerging markets.

We are built for markets where finance is growing fast. Where retail channels are mixed. Where partner coordination matters.

East Africa is one of the most active regions for structured financed commerce. We are ready for it, and ready to scale.

Growing institutional demand

Banks and employers expanding access programs

Diverse commerce channels

Formal retail, mobile, and employer-linked all active

Strong financing demand

Banks scaling structured asset and consumer programs

Multi-partner ecosystems

Programs requiring bank, merchant, logistics coordination

Discuss Your Market

What Partners Say

Trusted by institutions and industry leaders

Voices from banks, retailers, and partners who run real programs on a structured model.

“

Maintaining the integrity of an Islamic finance product means every step of the commercial journey must be clearly structured and properly executed. Soleil brings exactly that discipline. Their model ensures the process reflects the intent of the product, from the customer's first step to final delivery.

Rajab Ramia

Director of Islamic Banking

PBZ Bank

Banking

“

Soleil gave us the visibility and coordination structure we needed to participate effectively in institutional financing programs. Knowing that customer journeys are properly managed, from qualification to product handover, gives us confidence in every program we enter.

Mgope Kiwanga

Country Head of Business

Samsung Electronics

OEM

“

As a retail chain working across multiple financing programs, having a structured coordination layer made a real difference. Soleil aligned our order flow with institutional approvals, reduced ambiguity in fulfillment, and gave our teams clear roles at every stage of the journey.

Sandhya Garapati

Managing Director

Elife Systems Limited

Distributor

“

Participating in bank-backed commerce programs used to mean a lot of manual coordination and unclear expectations. Soleil changed that entirely. We now operate within a structured framework where every party knows their role, every order has a defined path, and every delivery is properly confirmed.

Mohamed Abdulrasul

General Manager

Mars Communications Limited

Distributor

“

Working with Soleil Technologies has been a great experience. Their team is highly professional, reliable, and experienced in delivering the technology and operational support needed to turn ideas into scalable solutions. Through our partnership with PBZ Bank, Soleil has played an important role in helping Best Buy Electronics build a stronger and more structured financing model. Highly recommended for quality tech solutions.

Ruhina M. Raza

CEO

Best Buy Electronics

Distributor

“

Managing mobility assets across institutional programs requires serious operational discipline. Soleil's structured model gave us the reporting visibility and workflow control to manage programs at scale, with the kind of clarity that lets you grow without losing oversight.