SME Contract Funding
Our Business Funding Solution
At CREDE Capital, we are built on clarity, trust, and reliability, offering flexible business funding solutions that help companies manage cash flow, fulfil purchase orders, cover essential operating expenses, and seize new growth opportunities. Our approach is simple and transparent, ensuring business owners get the support they need quickly and confidently to keep their operations moving forward.
Contract Finance
Contract Funding provides your business with the working capital needed to execute approved contracts without cash-flow delays.
Product description
Get funding on the back of your contracts issued by your key large clients (minimum contract term)
Application of funds
Fund project set up costs and site establishment costs including:
1. Equipment rental (deposits)
2. Purchase of materials or components
3. Small equipment purchases
4. Project related salaries and labour
5. Other project costs
Loan Repayment
The loan is repaid in equal instalments over first half of the contract term (max loan period)
How to access your facility
Submit your contract, purchase-orders, project budget (forecast), bills of quantities, supplier quotes and pro-forma invoice(s)
Required Documents
- 6-month bank statements for all business bank accounts (12-months if not VAT registered)
- Latest debtors age analysis: Latest invoice(s) payable by your key customers (if no debtors age analyses available)
- Latest creditors age analysis: Latest invoice(s) payable to key your suppliers (if no creditors age analysis available)
- Any contract(s) issued by key customers (if available)
- Latest 12-months VAT returns (only if VAT registered)
- SARS tax compliance document: Reflecting a valid (issued) pin
- Latest audited (or reviewed) Annual Financial Statements
- Most recent management accounts
- Lease agreement for the premises being leased by the business (if available)
Invoice Finance
Invoice Finance is a short-term funding solution that allows your business to unlock cash tied up in outstanding invoices. Instead of waiting 30, 60 or even 90 days for clients to pay, CREDE can advance a portion of the invoice value—helping you cover urgent expenses such as rent, payroll, suppliers, or starting a new project.
Product description
Receive up to 80% of the value of your approved invoices upfront, with the remaining 20% released to you once your customer settles the invoice.
Application of funds
For when you're short on cash or urgently need funds to cover upcoming expenses such as rent, payroll, or kick-starting your next project.
Loan Repayment
The loan is automatically repaid once your client pays the invoice.
Do you qualify?
Business revenue exceeds R1,000,000 in the past 12 months
Minimum 12 months trading history
Proven track record supplying goods or services to medium/large corporates or the public sector
What is Purchase Order Finance (Supply and Deliver)
Purchase Order Finance is designed to help your business fulfil confirmed orders when you don’t have the cash on hand to buy the required finished goods. This funding solution enables you to purchase the full quantity needed to complete and deliver an order on time, without placing strain on your working capital.
Product description
Access up to 70% of your purchase order value in under 24 hours when you draw from your approved facility.
Application of funds
Get funding backed by the purchase orders issued to you by your clients.
Loan Repayment
The loan is repaid when your client pays the relevant invoices.
Do you qualify?
Business revenue exceeds R1,000,000 in the past 12 months
Minimum 12 months trading history
Proven track record supplying goods or services to medium/large corporates or the public sector
What is Purchase Order Finance (Manufacture and Assembly)
Purchase Order Finance for Manufacture & Assembly is designed for businesses that need funding to produce goods before delivery. This solution covers the cost of raw materials, components, and manufacturing processes required to complete a confirmed order.
Product description
Get funding on the back of your selected purchase-orders issued by your clients.
Application of funds
For when you need funding to purchase the full quantity of finished goods to ensure complete and timeous delivery of orders.
Loan Repayment
The loan is automatically repaid once your client pays the invoice.
Do you qualify?
Business revenue exceeds R1,000,000 in the past 12 months
Minimum 12 months trading history
Proven track record supplying goods or services to medium/large corporates or the public sector
Credentials
CONTACT US
Sandile Sokhela, CFA
Principal
- Tel: +27 (011) 268 6900
- sandile.sokhela@credepartners.co.za
- Bayport House 4th Floor 3 Alice Lane Sandton 2196
Crede SME Finance provides affordable working capital funding solutions tailored for small and growing businesses with strong, sustainable growth potential.
Crede SME Finance is an Authorised Financial Services Provider and a Registered Credit Provider.