Companies · Fintech

TendoWinter 2022Active

Accra · Greater Accra Region, Ghana · Fintech · founded 2022 · https://tendo.app/

Diligence memoA one-page analyst read on Tendo — recommendation, valuation, rhythm, risks.
Total raised · real
0
Rounds
Latest step-up
Top 35%
Sector rank · raised
Latest stage · inferred

Tendo: limited disclosed financing to assess.

Synthesized from the figures below est. — every claim rests on a number shown on this page.

Where it sits in Fintech

Tendo is one of 1063 Fintech companies tracked from Accra, Greater Accra Region, Ghana, on record since 2022. By capital raised it ranks mid-pack (ahead of 66% of sector peers), and mid-pack by modeled valuation est..

Ranking is computed against this company's own sector cohort — reported capital is fact; valuation tiers are modeled.

AI analyst read est. — model-extracted from this company's public description, not a verified fact. 30%

operates a technology-led product inferred from public copy

Grounded in: “You are a venture analyst

Enabling Africans to sell online with zero capital

Tendo enables anyone in Africa to sell online with zero upfront inventory - our mobile app connects dropshippers to local wholesalers. The sellers on the platform are able to source products through Tendo and resell items using social commerce tools, such as WhatsApp, arrange delivery, and get paid, all through the Tendo mobile app. At the moment, people who want to sell online need to save money, visit hundreds of suppliers to find a trusted one, and risk losing their capital by stocking up inventory. Beyond this, they need to incur costs for logistics and warehousing. We eliminate all that.

E-commerceFintechLogisticsMarketplaceSocialmobility
Find Tendo online

As reported in public records reported — not modeled.

GH
Jurisdiction
Amount raised vs valuation, by round

Solid bars are reported offering amounts reported; hatched bars are the modeled post-money valuation est. — both on one shared scale so you can read raise-vs-worth at each round directly. Use the toggles to overlay data labels and the niche-peer / market average value lines.

No round amounts on record to chart.

Financing ladder & sequence gaps

No staged rounds to sequence.

Modeled valuation trajectory
Base estimate est.
Conservative case
Upside case
Modeled post-money

Round size and date are reported; the stage label is inferred from round size. Valuation is modeled from stage benchmarks. Directional, not a quoted figure.

Not enough modeled valuation points to chart a trajectory.

Financing rhythm
Avg between rounds
Capital velocity
On record since
First round
0
Rounds on file
How it compares to the market

Benchmarked against 1063 companies in Fintech. Each bar is a median (the middle company, not an average — outliers don't skew it). Two yardsticks: real money raised (reported on Form D) and modeled value (our estimate est.). These are whole-sector medians across all stages, except the per-stage row.

Total raised — vs sector median (real $, all stages)
This company
Sector median$4.3M
Modeled value — vs sector median (estimate, all stages)
This company
Sector median$45.0M

Raised more than 66% of sector peers (real $). Modeled value above 66% of peers (estimate).

Full financing history

Stage is inferred from round size est., not reported on the filing — a round's dollar size maps to a bucket: Pre-Seed <$1.0M · Seed $1.0M–$4.0M · Series A $4.0M–$15M · Series B $15M–$40M · Series C $40M–$100M · Series D+ $100M–$400M · Growth/Late >$400M.

StageAmount · realAnnouncedPost-money · estValue · estConf.
No rounds recorded.
Intelligence
Modeled next raise
Modeled next size est.
Last step-up
Capital velocity

Predictive signals are modeled est. from this company's own cadence and step-up, plus sector benchmarks — directional, not advice. Peer set and a CSV export live in your analyst workspace.

Registry & provenance

Tendo is an official record sourced from the U.S. Securities and Exchange Commission (SEC). U.S. data is aggregated from SEC Form D filings.

United States
Country of record
GH
Jurisdiction
Similar companies

Nearest neighbours across the whole database — matched on sector, stage and capital scale, and on shared operators (officers or directors named at both companies in public filings). A discovery shortlist, not a valuation cohort — verify before acting, the same way modeled figures are directional.

CompanySectorStageRaised · realValue · estWhy similar
1stCollabFintechsame sector
2WB TRADING ASFintechsame sector
AbhiFintechsame sector
AffinityFintechsame sector
Agent Banking CompanyFintechGrowth/Latesame sector
AgentcardFintechsame sector
AgentCollectFintechsame sector
AhazouFintechsame sector
Semantically similar

Matched by meaning, not labels — a local language model reads each company's name, sector and description and ranks the closest in that learned space. This catches look-alikes that cross sector boundaries; the structured list above explains its matches, this one trusts the text. Directional, like every modeled signal here.

CompanySectorStageValue · estMatch
MarketForce
The SuperApp for neighbourhood merchants in Africa.
FintechSeed$12.3M77%
Momento Market, Inc.Other TechnologySeries A$154.1M75%
Duplo
Venmo for B2B in Africa
FintechSeed$52.6M75%
Tend Exchange LLCOther TechnologyPre-Seed$7.4M75%
Cuanto
Building the operating system for developing world merchants
Fintech75%
Fingo Africa
A neobank for Africa's 500 million youth
Fintech75%
Suplias
We enable FMCG distributors in Africa buy inventory on credit
Fintech74%
99minutos
The fastest shipping for online shopping
Mobility / Logistics74%
Frequently asked
What does Tendo do and where is it based?
Tendo operates in the Fintech sector, based in Accra, Greater Accra Region, Ghana. Enabling Africans to sell online with zero capital
Explore related

See where Tendo sits in the wider market — its sector, location and stage cohorts, each with their own leaderboards and capital-flow timelines.

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