Frustrated because
you’ve got the order, but
not the cash to deliver?
Forget the stress of chasing capital! Deliver on time and in full with fast, flexible purchase order funding built for South African businesses.
Let's start your journey with us.
If you’re unsure whether you qualify for funding, please complete the short eligibility form below and our team will confirm if you meet the requirements.
Frustrated because you’ve got the order,
BUT NOT THE
CASH TO DELIVER.
Forget the stress of chasing capital! Deliver on time and in full with fast, flexible purchase order funding built for South African businesses.
Unlock the funding you need to grow and take on bigger opportunities without the delays and drama of traditional banks.
Kiss your cash flow problems goodbye
KISS YOUR CASH FLOW PROBLEMS GOODBYE
WITH SECURE & reliable funding.
Whether you’re a start-up, SMME, entrepreneur or established business with contracts to fulfil, we provide the funding that helps you deliver, get paid, and grow confidently.
At Umsebenzi Capital, we offer fast, secure, and transparent funding that actually works for South African businesses without red tape, hidden fees, or long delays.
Purchase Order Funding
You’ve got a confirmed PO, but no capital to deliver. We fund your supplier so you can deliver on time and in full.
✔️ Quick funding for approved POs
✔️ We pay suppliers directly, no
capital needed from you.
✔️ Ideal for stock, materials, and
order fulfilment.
Invoice Discounting
You’ve done the work and sent the invoice, but now you’re waiting months to get paid. We advance cash against the invoice so you can keep operating.
✔️ Turn unpaid invoices into
immediate working capital.
✔️ Access cash in advance while
you wait for clients to pay
✔️ Smooth out cashflow gaps and
keep operations moving
Corporate Supplier Funding
You’ve got reliable suppliers, but they can’t deliver due to lack of capital. We fund them, so they perform on time, without adding risk to your business.
✔️ Support SME suppliers at no cost to you
✔️ Secure, scalable funding to keep supply chains moving
✔️ Helps you meet ESD and B-BBEE goals
Apply for funding in just
3 simple steps.
We do what banks won’t. We partner with you to help your business grow, against the odds.
Quick and easy form. No travel. No paperwork.
If eligible, you’ll receive a tailored Project Finance Proposal within 24 hours.
Get the capital you need and start delivering.
APPLY FOR FUNDING IN JUST 3 SIMPLE STEPS.
We do what banks won’t. We partner with you to help your business grow, against the odds.
Quick and easy form. No travel. No paperwork.
If eligible, you’ll receive a tailored Project Finance Proposal within 24 hours.
Get the capital you need and start delivering.
We fund businesses at every stage of growth
Start-ups and new SMMEs with confirmed orders from reputable clients.
Entrepreneurs and small business owners held back by cash flow.
Established businesses ready to scale, but waiting on payments.
The only funding partner you’ll ever need!
The only funding partner you’ll ever need!
We’re your business growth partner, funding you quickly, transparently, and on your terms.
Get funded by the best anywhere in South Africa.
Simple & Fast
→ Online application
→ Pre-approval in 24 hours
→ Funding in 7 working days.
Flexible
→ Finance only the deals you need help with
→ Cash advance available when needed
→ No minimum turnover or trading history required
Transparent
→ No hidden fees
→ 24/7 online account access
→ Clear terms, upfront
Affordable
→ Fees based on your profit, not your pocket
→ Referral program puts cash in your pocket
→ Only pay us when you get paid
Secure
→ Built-in risk & payment management
→ Technology-backed, real-time tracking
→ Secure supplier payments & delivery verification
PURCHASE ORDER FUNDING
Don’t let a lack of cash stop you from delivering
your next big order.
You’ve secured the contract, let’s fund the delivery together.
With our full-service purchase order funding solution, you can deliver high-quality products on time, every time without the stress or delays. Impress your clients and improve your chances of receiving more profound orders.
We make PO funding easy with a simple, smart and seamless approach:
Traditional Banks & Lenders
Long, rigid application processes
Require collateral & trading history
Focused on low-risk, large clients
Hidden fees & complex terms
Slow payout times
Little understanding of tender realities
Umsebenzi Capital
Online application with 24hr pre-approval
No collateral or prior history needed
Built for small, growing, and black-owned businesses
Transparent, affordable fee structure
Funds paid out within 7 working days
Tailored to South African entrepreneurs
Traditional Banks & Lenders
Long, rigid application processes
Require collateral & trading history
Focused on low-risk, large clients
Hidden fees & complex terms
Slow payout times
Little understanding of tender realities
Umsebenzi Capital
Online application with 24hr pre-approval
No collateral or prior history needed
Built for small, growing, and black-owned businesses
Transparent, affordable fee structure
Funds paid out within 7 working days
Tailored to South African entrepreneurs
Invoice Discounting
Still waiting to get paid?
We’ve got you.
Turn unpaid invoices into working capital fast.
You’ve done the WORK. The INVOICE is in. But the payment will take WEEKS, maybe even MONTHS
We advance you the funds now, so your business doesn’t have to wait.
- Payment within 24 hours
- Private and government invoices accepted
- We get paid when your client does
Still waiting to get paid?
We’ve got you.
Turn unpaid invoices into working capital fast.
You’ve done the WORK. The INVOICE is in. But the payment will take WEEKS, maybe even MONTHS
We advance you the funds now, so your business doesn’t have to wait.
- Payment within 24 hours
- Private and government invoices accepted
- We get paid when your client does
CORPORATE SUPPLIER FUNDING
Empower your suppliers.
EMPOWER YOUR SUPPLIERS.
Protect your performance.
Don’t let underfunded suppliers put your supply chain at risk.
If your small suppliers can’t deliver due to lack of capital, we’ll fund them on your behalf without risk or cost to your business.
With our corporate funding solutions, you can:
Maintain your payment terms
Ensure consistent, on-time delivery
Improve your ESD and B-BBEE impact
Build a reliable, high-performing supply chain
Know a business/SMME that
needs help delivering an order?
We provide fast and flexible access to working capital for SMMEs across South Africa without unnecessary delays. Refer them to Umsebenzi Capital. We’ll handle the funding and keep you in the loop. Referral rewards are customised to suit you.
Cash Flow to Deliver on Corporate Contracts
Get the working capital to deliver
Get the working capital to deliver
on time, in full, every time.
We support SMMEs with contracts or invoices from companies such as:
(Click on any of these supplier opportunities to access their procurement portal)
HOW WE CAN ASSIST
PURCHASE ORDER FUNDING
Get capital to purchase stock and fulfill your order immediately.
INVOICE DISCOUNTING
Get paid immediately after delivery, without waiting 30-90 days.
*Funding is subject to standard Umsebenzi Capital credit and risk approval processes.
Meet the Team!
Gerrit van der Merwe
(BCom Hons, CTA, CA (SA))
With over 20 years in financial services, Gerrit has excelled in investment banking at PWC and Absa Capital. He further honed his skills as a private equity consultant, specialising in resource investments in sub-Saharan Africa. His expertise spans diverse commodities. In 2012, Gerrit founded Gem Capital, achieving notable feats like structuring Absa Group’s empowerment deal and advising on major transactions. Gerrit is a valuable asset, guiding clients toward financial success and strategic growth with his extensive experience.
Pieter Potgieter
(B.Com Logistics (SA), MBA (UK))
With over 20 years of experience in Small Business Development, Supply Chain Finance, and Corporate Finance, Pieter brings a wealth of local and international expertise to our team. Pieter’s supply chain management background includes overseeing various aspects such as procurement, transport, warehousing, sales and operations planning, and light manufacturing for multinational enterprises in the FMCG and Chemical industries. Additionally, he has a successful track record in corporate finance, where he structured funding deals and secured substantial debt facilities across Africa. Pieter’s dedication to small business development further complements his impressive portfolio.
Gerard van der Merwe
(BCom Financial Sciences)
Gerhard plays a key role in the structuring, credit assessment and execution of funding transactions across the business. He manages the full funding process from client onboarding through to approval and disbursement, ensuring transactions are handled efficiently and meticulously. In addition, Gerhard supports business development, compliance, and internal processes, helping the business grow and run smoothly.
Your business deserves the best and
Easiest funding solution!
Your business deserves the best &
easiest funding solution!
Get funded by the best anywhere in South Africa.
We’re not here for one deal. We’re here to grow with you. So why not partner with someone who is invested in your business success long-term?
Let’s build something real together.
