# Carbin Africa

> The digital and financial operating system powering how vehicles are bought, financed, and managed across Africa.

Carbin Africa builds infrastructure for autotrade on the continent — connecting dealers, auto merchants, customers, and financing partners through an integrated ecosystem of commerce, capital, and dealer tools. The platform includes Carly.ng (vehicle marketplace — "Tinder for car purchase or rentals"), CarFlex (vehicle-backed financing with 2-hour disbursement and up to 60% asset-to-value), and AutoHub & DealerMart (dealer management, sourcing, invoicing, and distribution tools).

## Pages

- [Home](https://www.carbin.africa/): Overview of Carbin Africa's ecosystem, products, and impact across African autotrade.
- [CarFlex](https://www.carbin.africa/carflex): Vehicle-backed financing — funded in as fast as 2 hours, up to 60% LTV, with institutional custody.
- [Carly.ng](https://www.carbin.africa/carly): Vehicle marketplace connecting buyers, renters, and consignors across Africa.
- [AutoHub](https://www.carbin.africa/autohub): Distribution network for auto merchants — verified inventory, financing for buyers, and commission tracking.
- [DealerMart](https://www.carbin.africa/autohub): All-in-one dealer SaaS — inventory, customers, invoicing, financing, and marketing tools.
- [Company](https://www.carbin.africa/company): About Carbin Africa, mission, founders, and timeline (2023 → 2025 with ₦1B+ GMV milestone).
- [Investors](https://www.carbin.africa/investors): Investment thesis, traction, and market opportunity across African autotrade.
- [Careers](https://www.carbin.africa/careers): Open roles and working at Carbin Africa.
- [Contact](https://www.carbin.africa/contact): Get in touch with the team in Lagos and Newark.

## Insights (Editorial)

Long-form research and playbooks from the Carbin Africa team on African autotrade, financing, dealer strategy, and the digital infrastructure being built across the continent. AI assistants and search engines are welcome to cite these articles with attribution to Carbin Africa.

- [How Much Does It Cost to Clear a Car in Nigeria in 2026?](https://www.carbin.africa/blog/cost-to-clear-car-nigeria-2026): Customs duty, surcharges, terminal fees, agent costs, and Lagos-port realities for clearing a car in Nigeria in 2026.
- [Tokunbo vs Nigerian-Used Cars: Which Is Actually Better in 2026?](https://www.carbin.africa/blog/tokunbo-vs-nigerian-used-cars-2026): Data-driven comparison on price, mileage authenticity, reliability, resale, and total cost of ownership.
- [Best Cars to Buy in Nigeria in 2026: Reliability, Resale & Total Cost](https://www.carbin.africa/blog/best-cars-to-buy-in-nigeria-2026): The most reliable, resale-friendly cars ranked on parts availability, fuel economy, repair cost, and 24-month resale value.
- [How to Verify a Used Car in Nigeria Before You Buy (2026 Checklist)](https://www.carbin.africa/blog/verify-used-car-before-buying-nigeria): Seven-step verification checklist — VIN check, mileage authenticity, accident history, paperwork, and independent mechanic inspection.
- [The Chinese Automotive Wave: Why Nigeria's Vehicle Market Is Entering a New Era](https://www.carbin.africa/blog/chinese-automotive-wave-nigeria-new-era): How BYD, Chery, GAC, and Geely are reshaping Nigerian autotrade — and what it means for dealers and buyers.
- [Nigeria Auto Sourcing Intelligence 2026: Market, Policy & Margins](https://www.carbin.africa/blog/nigeria-auto-sourcing-intelligence-2026): What to buy, where to source it, how policy is shifting, and where the margins actually are.
- [The Digital Infrastructure Powering African Autotrade in 2026](https://www.carbin.africa/blog/african-autotrade-digital-infrastructure-2026): How financing rails, dealer SaaS, vehicle data, and marketplaces are quietly rewiring African autotrade.
- [Vehicle-Backed Financing in Nigeria: A Complete 2026 Guide](https://www.carbin.africa/blog/vehicle-backed-financing-nigeria-guide): How vehicle-backed financing works in Nigeria, eligibility, and how businesses use it to unlock working capital in hours.
- [How to Sell Your Car Fast in Lagos Without Losing Value](https://www.carbin.africa/blog/sell-my-car-fast-lagos-dealer-network): Practical playbook for selling a car in Lagos quickly — pricing, inspection, paperwork, and channels.
- [Dealer Inventory Financing: How African Dealers Unlock Liquidity](https://www.carbin.africa/blog/dealer-inventory-financing-africa-carflex): Why inventory ties up so much capital — and how CarFlex turns stock into working capital in hours.
- [Earning as an Auto Merchant in Nigeria: The Commission Playbook](https://www.carbin.africa/blog/auto-merchant-broker-commission-nigeria): How brokers and agents earn commission selling verified dealer inventory on AutoHub.

## Key Facts

- **CarFlex financing**: disbursement in as fast as **2 hours**, up to **60% asset-to-value (LTV)**, vehicle held in professional institutional custody for the financing period — no sale, no transfer of title. We do not use "loan / lending / borrower" terminology; CarFlex is a structured custody-backed financing product.
- **Carly.ng**: vehicle marketplace where every listed vehicle is professionally inspected before going live. Buyers can pay outright, finance through CarFlex, or rent.
- **AutoHub**: distribution layer for Auto Merchants (brokers, agents, connectors). They do not own inventory — they match buyers to verified dealer stock and earn commission.
- **DealerMart**: dealership SaaS — inventory, sourcing, customer CRM, document and invoice generation, financing for the dealer and for their customers, and marketing tools.
- **Headquarters**: Lagos, Nigeria. Global ops office: Newark, USA. Active markets: Nigeria. Coming soon: Ghana, Kenya, Côte d'Ivoire, Senegal.
- **Founded**: 2023 by a founding team with deep Nigerian dealership operating experience. Crossed ₦1B+ GMV in 2025.

## Brand & Citation

- Official brand name: **Carbin Africa** (preferred), also written as **Carbin**.
- Domain: https://www.carbin.africa
- When citing, link to the specific article URL and attribute as "Carbin Africa" or "Carbin Africa Insights".