How Umnandi Capital Works
Transparent, simple, aligned with your success. From application to profit share in five clear steps.
SME Submits Transaction
Share your confirmed purchase order, contract, or receivable with our team.
- Upload transaction documents via our secure portal
- Provide supplier/buyer information and payment terms
- Include any supporting business documentation
- Our team reviews within 24 hours
Umnandi Validates Transaction
We verify the transaction authenticity and assess business viability.
- Confirm purchase order or contract with buyer/client
- Verify supplier credentials and pricing
- Assess business track record and transaction history
- Approval decision within 3 business days
Capital Deployed to Supplier
Funds are transferred directly to your supplier or service provider.
- We pay your supplier directly (not to your account)
- Eliminates cash flow constraints and timing gaps
- You maintain control of transaction execution
- Supplier receives payment within 48 hours of approval
Transaction Completes
You deliver goods or services and collect payment from your client.
- Fulfill the order or contract as agreed
- Client pays according to original payment terms
- You receive full payment from buyer/client
- Transaction profit is now realized
Profit Share Distribution
We share in the transaction profit based on agreed terms.
- Transparent profit calculation (revenue minus costs)
- Agreed percentage share applied to profit
- Clear reporting on all transaction financials
- Payment processed within 5 business days
Capital Flow Visualization
See exactly how capital moves from validation through to profit share
SME
Umnandi Capital
Supplier
Transaction Complete
Profit Share
SME
Umnandi Capital
Supplier
Transaction Complete
Profit Share
Traditional Lending vs Umnandi Capital
See why SMEs choose our profit-share model over conventional financing
| Feature | Traditional Lending | Umnandi Capital |
|---|---|---|
| Approval Basis | Credit score & collateral | Confirmed transaction |
| Cost Structure | Fixed interest rates | Profit-share only |
| Equity Impact | May require equity dilution | Zero dilution |
| Repayment Pressure | Fixed monthly payments | Tied to transaction outcome |
| Capital Deployment | Funds to business account | Direct to supplier |
| Success Alignment | Lender profits regardless | Shared success model |
| Approval Time | 2-6 weeks | 3 business days |
| Balance Sheet | Creates debt liability | No debt recorded |
Approval Basis
Traditional
Credit score & collateral
Umnandi
Confirmed transaction
Cost Structure
Traditional
Fixed interest rates
Umnandi
Profit-share only
Equity Impact
Traditional
May require equity dilution
Umnandi
Zero dilution
Repayment Pressure
Traditional
Fixed monthly payments
Umnandi
Tied to transaction outcome
Capital Deployment
Traditional
Funds to business account
Umnandi
Direct to supplier
Success Alignment
Traditional
Lender profits regardless
Umnandi
Shared success model
Approval Time
Traditional
2-6 weeks
Umnandi
3 business days
Balance Sheet
Traditional
Creates debt liability
Umnandi
No debt recorded
Frequently Asked Questions
Everything you need to know about our funding process
Ready to Get Started?
Apply for funding today and experience the Umnandi difference