Funding

Working Capital Finance Scheme

Mobilizing MSMEs in Corporate and Public Supply Chains. Unlocking Cash Flow to compete for larger opportunities.

For many township and rural SMEs, securing business opportunities is only part of the challenge — having the cash to deliver on them is often the real obstacle.

The Working Capital Finance Scheme is designed to remove this pressure by providing structured, short-term funding that helps businesses cover operational costs, purchase inputs, and meet delivery requirements when revenue is expected but not yet received.

Key elements of this scheme include

Short-Term Operational Funding

Providing upfront liquidity to help SMEs cover input costs, manage staffing needs, and commence delivery activities without relying on advance payments.

Cashflow Acceleration Solutions

Supporting businesses where revenue is expected but timing mismatches create pressure, allowing them to maintain operations and continuity while awaiting settlement.

Risk-Mitigated Funding Structures

Structured with third-party guarantees, credit insurance, and controlled repayment mechanisms to reduce exposure and enable responsible, competitively priced funding.

Market Access and Networking Outcomes

  • Enables township and rural SMEs to engage more competitively in formal commercial supply environments.
  • Supports the development of credible payment and delivery track records recognised by larger market participants and financial institutions.
  • Assists businesses in progressing from once-off assignments to ongoing commercial relationships.
  • Integrates SMEs into structured operating networks, supporting consistency of demand and sustainable growth.