Capital that Grows with Your Business
Transaction-level funding without debt or dilution. Partner with us for flexible capital that aligns with your success.
Funding Without the Financial Burden
Traditional lenders focus on credit scores and collateral. We focus on your confirmed transactions - purchase orders, contracts, and receivables that prove real business activity.
No Interest-Based Debt
Profit-share model eliminates traditional loan burdens and fixed repayments
No Equity Dilution
Maintain full ownership while accessing growth capital for your transactions
Aligned Returns
We succeed when you succeed - returns tied to actual transaction performance
How Umnandi Capital Works
Five straightforward steps from application to profit share
Submit Transaction
Share your purchase order, contract, or receivable with us
We Validate
Our team verifies the transaction and business activity
Capital to Supplier
Funds deployed directly to your supplier or partner
Transaction Completes
You deliver goods/services and collect payment
Profit Share
We share in the transaction profit - transparent and fair
Funding Products for Every Transaction
Choose the funding solution that matches your business needs
Purchase Order Financing
Fund confirmed purchase orders from verified buyers. We pay your supplier directly so you can fulfill large orders without cash flow constraints.
- No upfront capital needed
- Fast approval (3 days)
- Supplier payment direct
Contract Funding
Secure funding for confirmed contracts and project work. Access capital to cover costs before client payment arrives.
- Project-based funding
- Flexible terms
- Performance-aligned
Receivables Financing
Convert outstanding invoices into immediate working capital. Maintain cash flow while waiting for client payments.
- Immediate liquidity
- No debt burden
- Transparent fees
Industries We Fund
Supporting South African SMEs across diverse sectors
Construction
Fund materials and subcontractors for confirmed project contracts
Manufacturing
Access capital for raw materials against purchase orders
Logistics
Finance fleet expansion and operational costs for transport contracts
Professional Services
Bridge cash flow gaps between project delivery and client payment
Retail & Distribution
Stock inventory for confirmed orders from major retailers
Technology
Fund development and deployment for enterprise contracts
Regulated
Operating within South African financial regulations
Secure
Bank-grade security for all transactions and data
Transparent
Clear terms, no hidden fees, full visibility
Proven
R500M+ deployed, 200+ successful partnerships
Trusted by South African SMEs
Real businesses, real results, real partnerships
"Umnandi Capital helped us fulfill a R2.5M purchase order that would have been impossible with traditional financing. The profit-share model meant we didn't take on debt, and the approval was incredibly fast."
Thabo Mthembu
BuildCo Construction
Construction
"As a logistics company, cash flow is critical. Umnandi's contract funding allowed us to expand our fleet and take on larger contracts without the burden of traditional loans. Game-changing for our growth."
Zanele Khumalo
Swift Transport Solutions
Logistics
"The transparency and speed impressed us. Within 3 days, we had capital deployed directly to our supplier. No equity dilution, no interest payments. Just a fair profit share when the deal closed."
Johan van der Merwe
TechForge Manufacturing
Manufacturing
For SMEs
Access growth capital without debt or dilution. Fund your transactions with a partner who succeeds when you succeed.
Apply for FundingFor Investors
Transaction-level exposure with transparent returns. Partner with us for performance-aligned investment opportunities.
Partner With Us