About Us
UpStok emerged from a core mission: to supply the physical infrastructure and digital insights that help informal retailers grow, scale, and keep their shelves stocked.
Our Approach
Phygital Infrastructure for the Last Mile
Trust Through Presence
We are operationalizing trust through a 'Phygital' infrastructure that bridges the digital-physical divide in the last mile. Our model is built on Neighborhood Hubs: physical centers that serve as the 'operational brain' of each ward.
Community-Rooted Technology
These hubs act as decentralized inventory points and face-to-face support centers, creating a layer of human trust and accountability that pure-digital platforms lack. By rooting our technology in the physical community, we ensure that every retailer has a local home for their business needs.
"Did you know that SMEs are the undisputed engine of Africa's economy?" In 2026, over 44 million formal SMMEs and an estimated 125 million informal enterprises form the foundation of our continent's trade. These businesses contribute over 50% of Africa's GDP and provide 84% of all jobs. At UpStok, we don't just see numbers; we see the heartbeat of communities that we empower with the physical and digital infrastructure they deserve.
The UpStok Advantage
A Hub That Grows with You
Reliable Supply
Visit our Phygital Hubs for all your essential wholesale stock.
AI-Powered Trust
As you shop, our smart engine builds your unique credit profile based on your reliability.
Instant Restock
Unlock flexible financing that lets you restock today and pay in micro-installments as you sell.
Asset Empowerment
Scale your business beyond the shelf. We finance the motorbikes, solar cooling, and smartphones you need to dominate the local market.