For investors, advisors and backers

The transaction rails for global used-car trade.

An AI-native platform connecting global inventory, cross-border payments, verified trade and financing.

Starting with the US$4.7 billion African used-car market.

Search Payments Credit scoring Financing

One connected journey for dealers, exporters and financing partners.

The opportunity

A US$4.7bn market still running on old rails

~US$4.7 bn

Illustrative annual purchase value of used vehicles imported into Africa, at US$5,000 a vehicle.

~934,000

Used light-duty vehicles into Africa each year. 2015–2022 average, four export markets. Outo starts on the Japan to Kenya corridor.

The problem

Every step of the trade happens in a different place

Search

Dealers source through calls, brokers and chat groups. Supply is seen late, prices are opaque, and demand leaves no data behind.

Pay

Money crosses several correspondent banks. It takes 2–5 days, shows no status on the way, and any bank in the chain can hold it.

Finance

Finance means leaving the deal to find a lender, who has no view of how the dealer actually trades.

Nobody holds the record of the trade — so nobody can price its risk. That is the gap Outo fills.

What makes it defensible

Four products, one record — and each one feeds the next

Dealers describe the exact car. AI searches live, past and expected stock, local and global.

Moat: every search is demand data nobody else holds — what dealers want, at what price, how often.

Same-day cross-border payment through CBK-regulated and global remittance partners.

Moat: every payment becomes a verified entry in the dealer’s trade record.

Credit score

Payment timing, fulfilment and document turnaround turned into a score and a limit.

Moat: the longer a dealer trades on Outo, the stronger their score — and the costlier it is to leave.

Import and duty financing drawn against that limit, inside the transaction itself.

Moat: capital goes where the record proves it is safe, which pulls more trade onto the rails.

Inventory attracts demand. Transactions create trust. Trust attracts capital. Capital creates more transactions.

Revenue on every trade: transaction fee · FX and settlement · finance return · platform access

Outo versus the way dealers trade today

Same-day money, and finance without leaving the deal

Traditional dealer operationsOn Outo

Finding the carTodayCalls, brokers and chat groups. Stock is seen late, or not at all.On OutoDescribe the car once. AI searches live, past and expected stock.

Paying the sellerTodayBank wire through correspondent banks: 2–5 days.On OutoSame day on supported corridors, through regulated partners.

Payment visibilityTodayNo status until the money lands. Any bank in the chain can hold it.On OutoBoth sides see a live status from the minute the dealer pays.

FinancingTodayLeave the deal to arrange finance elsewhere, if it is available at all.On OutoEmbedded: import and duty financing inside the transaction.

Credit decisionsTodayBased on collateral and relationships, not trade performance.On OutoA score built from verified trade history on the platform.

Record of the tradeTodayScattered across bank slips, chats and spreadsheets.On OutoOne verified record per trade, from search to delivery.

Proof of record

The platform’s record becomes the credit score

Every search, payment and delivery on Outo is verified at source. That history produces a score and a limit — a fit-for-purpose way to finance dealers, instead of collateral and guesswork.

And the score isn’t only ours to use. Lenders can underwrite on it, and exporters can see which dealers they can safely extend credit to.

One verified record. Many ways to finance the trade.

Dealer record — D-114

Illustrative product view

Outo credit score

742

Credit limit

KES 3.8M

Completed trades

96%

On-time payment

4.8/5

Counterparty rating

2.1d

Document turnaround

Who can act on this record

Outo FiImport and duty financing up to the limitEligible

LendersBanks, SACCOs and MFIs underwriting on the scoreShared on consent

ExportersDeciding who to extend credit toQualifies

Traction

Real demand, before a dollar of the raise

US$4.5m

Gross value of cars requested from other dealers since June — by our two most active dealers alone.

Early buy-in across every side of the trade

40+

Dealers, with 5,000+ cars in their local network

Banks

Exporters

Demand, supply and capital are already at the table. The raise connects them at scale.

Founders

Why we’re the right team to start Outo

Two and a half years running Rocket Jobs together

A global platform with users across 30 markets, including AI-native technology. We know how to build, ship and operate across borders.

We started on the dealer floor

Outo began as a dealer-to-dealer sourcing marketplace in Kenya. The network and the demand data came first; the rails followed.

The market already takes our calls

40+ dealers, 2 banks and 2 exporters bought in before the raise.

Where we’re adding strength

Japan-based expertise

Someone on the ground in Japan’s export and auction market, to deepen supply and exporter relationships.

Fintech expertise

Payments, compliance and lending experience to scale Outo Pay and Outo Fi responsibly.

The raise

Equity to grow the network. Debt to finance the trade it creates.

US$1.2m

US$200kUS$1m

US$200k · SAFE equity

Acquire and onboard customers

Bring more dealers, exporters and lending partners onto the platform, and get them transacting.

US$1m · low-interest debt

Capital for Outo Fi to lend

Import financing — funding the purchase at source for bank-financed vehicles and for car dealers.

Duty financing — available to dealers who have built a strong credit limit on the platform.