📋 Deal sizes R150,000 – R400,000 · Trade credit insured

Trade more.
Wait less.

Short-term working capital against confirmed Purchase Orders and tax invoices. Real assets, real decisions, every deal trade credit insured.

Quick calculator

Estimate your funding cost before you apply

R500bn
SA SME funding gap
78%
Rejected by banks
60–90
Days SMEs wait for payment
Insured
Every deal, every time
The process
Simple. Transparent. Fast.
From application to funds in your account — here's exactly what happens.
1
Submit your application
Complete the online form with business details and upload your purchase order or tax invoice. Deal sizes R150,000–R400,000.
2
AI pre-screening
Our AI system runs an initial credit and buyer risk assessment within minutes of submission.
3
Human analyst review
Our credit team conducts a full deal assessment and may request additional documentation.
4
Decision & offer
You receive a formal offer within 48 hours. All costs disclosed upfront — no surprises.
5
Disbursement
Once signed, funds transfer directly to your nominated supplier account.
6
Repayment on settlement
When your buyer pays, the facility settles from the proceeds automatically.
Eligibility
What you need to qualify
We fund South African SMMEs with valid purchase orders from creditworthy buyers.
  • Registered South African business (Pty Ltd, CC, sole prop)
  • Valid PO from a reputable buyer (government, retail, corporate)
  • Deal size R150,000 to R400,000 per transaction
  • Ability to fulfil the order — stock, suppliers, or subcontractors confirmed
  • No active sequestration or liquidation proceedings
  • CIPC-registered directors with valid SA ID documents
Documents
What to prepare
Have these ready before you start your application to move faster.
  • Certified copy of the purchase order
  • CIPC registration document & company MOI
  • 3 months business bank statements
  • Director/s certified ID documents
  • Latest financial statements or management accounts
  • SARS tax clearance / compliance certificate
  • Supplier quotation (if applicable)
Online application
Apply for PO finance

Complete all five steps. Your progress is saved automatically.

1
Business
2
PO Details
3
Directors
4
Documents
✓
Review
Business Information
Registered entity details and primary contact.
Entity
Required
Required
Contact & Banking
Required
Required
Required
Purchase Order Details
Tell us about the PO and the funding you need.
The Purchase Order
Required
R150,000 – R400,000 per deal
Must be between R150,000 and R400,000
Amount to disburse against this PO/invoice
Must be a positive amount not exceeding the PO/invoice value
The Buyer
Required
Required
Supplier
Director / Owner Information
Primary applicant director or owner details.
Primary Director
Required
Required
Director 2 (optional)
Declarations
Document Upload
PDF, JPG or PNG accepted — max 10MB each.
Additional notes
Review & Submit
Check all details before submitting.
Declaration: I confirm that all information provided is true and accurate. I understand that false or misleading information may result in rejection and could constitute fraud. I consent to Kwasa Trade Finance verifying all information with its funding partners for credit assessment purposes.

Track your application

Enter your reference number to see the current status and any updates from our team.

Application Pipeline

Application Pipeline

Incoming PO finance applications.

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RefSubmittedCompanyBuyerPO ValueRequestedAdv%StatusAI ScoreActions

Under Review

Deals being assessed — AI pre-screen and credit analyst review.

Active Loans

Disbursed PO loans and repayment tracking.

Loan refBorrowerPrincipalRateOutstandingDue dateProgressStatus

Repayments

Record and track loan repayments.

Record Repayment
Recent Repayments

Loan Ledger

Full audit trail of all fund movements.

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Fund Dashboard

Kwasa Trade Finance portfolio — overview

Recent Applications
Pipeline Breakdown

Application Detail

AI analysing…