No property, no collateral. We are a brokerage — one application, placed across a panel of lenders, so a no from one is not the end of it. And we arrange the funding the online lenders will not touch: finance against a tender or purchase order you have already won.
Checking what you qualify for takes a minute, needs no contact details and leaves no mark on your credit record.
The gap every trading business knows
We are brokers. Our job is to find the lender who will say yes, and to argue your case when the numbers alone would not.
Apply to a lender directly and a decline means starting again somewhere else. We place the same file across the panel.
Sole proprietors, thin trading history, a contract bigger than last year's turnover. The cases automated lenders reject.
R12.1 billion
is sitting unpaid in South African provincial departments right now — invoices already past the thirty-day deadline government set for itself.
National Treasury, quarter ended September 2025. Provincial administrations. See it by province
Trading businesses with something to deliver and a gap between doing the work and being paid for it. Not one of them had property to put up.
Two main products and the groundwork behind them. We would rather do these properly than list twenty.
Our biggest market
Working capital with no property and no collateral behind it, funded on what your bank account actually shows. For stock, wages, equipment, or simply the stretch between doing the work and being paid for it.
What sets us apart
Assessed on the contract you have been awarded rather than three years of trading history. The lender looks at who is paying you, which is why this works for businesses the online lenders decline.
Company registration and the compliance paperwork behind it. Nearly every funder on the panel lends to registered businesses only, so for many people this is step one rather than an afterthought.
Already delivered and invoiced? Raising cash against money you are owed is usually cheaper than funding the order was. Worth asking about before you take anything else.
An online application is a yes or a no. A broker can explain the dip in March, point out that the contract is from a government department, and put the file in front of someone who lends on more than a score.
You can, and sometimes you should. But every lender runs its own cut-off, and none of them tells you where to go when you miss it by a month or by R5,000.
| Type of lender | Trading history | Turnover | Who gets excluded |
|---|---|---|---|
| Online working-capital lenders | 6 months | R80,000 a month | Trusts, partnerships, non-profits |
| Established-business term lenders | 12 months | R40,000 a month | Sole traders without VAT |
| Card-turnover advances | 12 months | R50,000 a month on card | Anyone without a card machine |
| Larger short-term facilities | 12 months | R100,000 a month | Sole proprietors, trusts, partnerships |
| Tender & purchase-order finance | Secondary | Secondary | Anyone without an awarded contract |
Read the last row again. It is the reason this business exists: if you hold a signed contract, the question stops being what you turned over last year and starts being who is paying you.
Most people discover they do not qualify only after handing over six months of bank statements. That seems backwards to us.
From first call to money in the account.
What you need the money for, what you have been awarded, and what the business looks like. A phone call is usually enough to start.
Statements, registration documents and the contract, assembled the way lenders want to see them. A clean file is approved more often than a messy one.
We go to the funders on our panel whose criteria actually fit, rather than firing the same application at everyone and damaging your record.
We bring back what we get, explain the real cost of each, and you decide. No obligation to take anything.
Brokers have a reputation for being vague about this. We would rather not be.
On most deals the lender pays us when the funding is drawn. It does not come out of your advance, and different lenders pay different rates.
On some transactions — typically where the work involved is heavy or no lender commission is available — we charge you instead. If that applies, you get the amount and the basis for it in writing before you commit to anything.
It depends on the deal. Whatever the arrangement is, you will know what it is before you sign, not afterwards.
The eligibility check, the conversation and our read on your chances cost you nothing.
Tell us about the business. We will tell you honestly whether we can place it.