Funding Solutions for Every Transaction
Flexible capital for purchase orders, contracts, and receivables. Choose the 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 or working capital pressure.
Who it's for:
SMEs with confirmed purchase orders from creditworthy buyers who need to pay suppliers upfront but lack immediate liquidity. Ideal for manufacturers, distributors, and retailers scaling operations.
Key Benefits:
- No upfront capital required from your business
- Fast approval within 3 business days
- Direct payment to your supplier
- Fulfill large orders without cash flow pressure
- Profit-share only after successful delivery
Use Case Example:
A manufacturing SME receives a R500,000 purchase order from a major retailer. They need R300,000 to purchase raw materials but don't have the cash. Umnandi pays the supplier R300,000 directly. The SME fulfills the order, receives R500,000 from the retailer, and shares profit with Umnandi based on agreed terms.
Contract Funding
Secure funding for confirmed contracts and project work. Access capital to cover costs before client payment arrives, enabling you to take on larger projects without financial strain.
Who it's for:
Service providers, contractors, and project-based businesses with signed contracts who need to fund labor, materials, or subcontractors upfront. Perfect for construction, professional services, and technology implementation projects.
Key Benefits:
- Fund project costs before client payment
- Maintain cash flow during long project cycles
- No debt burden on balance sheet
- Flexible terms aligned with project timeline
- Performance-based profit share
Use Case Example:
A construction company wins a R1.2M building contract with payment in 90 days. They need R700,000 for materials and subcontractors immediately. Umnandi provides capital directly to suppliers. The project completes on time, the client pays R1.2M, and profit is shared transparently.
Receivables Financing
Convert outstanding invoices into immediate working capital. Maintain cash flow while waiting for client payments, ensuring your operations never stall due to payment delays.
Who it's for:
Businesses with outstanding invoices from creditworthy clients facing 30, 60, or 90-day payment terms. Ideal for service providers, B2B suppliers, and companies with strong client relationships but long payment cycles.
Key Benefits:
- Immediate liquidity from outstanding invoices
- Maintain working capital during payment cycles
- No traditional debt on financial statements
- Transparent fee structure
- Continue business operations without cash gaps
Use Case Example:
A logistics company has R400,000 in outstanding invoices with 60-day payment terms. They need immediate capital for fuel and maintenance. Umnandi provides working capital against the receivables. When clients pay, profit is calculated and shared based on agreed terms.
Profit-Share Model Explained
See exactly how our transparent profit-share calculation works
Transaction Details
R100,000
R60,000
R15,000
20%
Profit Breakdown
R25,000
(Revenue - Supplier Costs - Operating Expenses)
R5,000
R20,000
No debt, no interest. You only share profit after the transaction successfully completes. All calculations are transparent and documented.
Compare Our Solutions
Choose the funding product that best matches your transaction type
| Feature | PO Financing | Contract Funding | Receivables |
|---|---|---|---|
| Approval Speed | 3 days | 3-5 days | 2 days |
| Transaction Type | Purchase Orders | Signed Contracts | Outstanding Invoices |
| Capital Deployment | Direct to supplier | Direct to suppliers/subcontractors | Working capital advance |
| Typical Use Case | Fulfilling large orders | Project execution | Cash flow management |
| Transaction Timeline | 30-60 days | 60-120 days | 30-90 days |
| Best For Industries | Manufacturing, Retail | Construction, Services | All B2B |
Approval Speed
Transaction Type
Capital Deployment
Typical Use Case
Transaction Timeline
Best For Industries
Choose Your Funding Solution
Not sure which product is right for you? Contact us for a consultation.