Business Funding

Access Funding. Fulfil Contracts. Grow Your Business.

Wealth Pay provides alternative working-capital solutions for South African SMMEs, helping businesses access funding against real commercial opportunities such as purchase orders, invoices and awarded tenders.

Apply for funding

Funding that follows your opportunity

Working capital, structured around real commercial transactions.

Purchase Order Funding

Fund your confirmed orders without waiting for cash flow.

Purchase Order funding provides the working capital needed to purchase goods or services required to fulfil a confirmed customer order.

How it works

1. Submit your confirmed purchase order.
2. Wealth Pay assesses the transaction and funding requirement.
3. Approved funding is paid directly to the supplier.
4. You fulfil and deliver the order.
5. Repayment is made when your customer pays.

Ideal for: SMMEs with confirmed orders that require working capital to deliver.

Invoice Discounting

Turn outstanding invoices into working capital.

Completed work and issued an invoice, but your customer pays in 30–90 days? Invoice discounting provides access to cash sooner.

Wealth Pay advances funding against eligible outstanding invoices, helping you maintain cash flow while waiting for payment.

Use the funding for

Stock and supplier payments
Payroll and operating expenses
Transport and delivery
Business expansion
Working capital

Tender Funding

Win the contract. Fund the delivery.

Awarded a government, corporate or public-sector tender but need capital to execute it?

Wealth Pay can structure funding around the awarded contract, supporting the supply and delivery requirements so your business can fulfil its obligations and receive payment.

Ideal for: SMMEs with awarded tenders that have a clear funding requirement and verifiable contractual cash flow.

Alternative business funding

Funding built around the opportunity.

Alternative funding provides working capital through a specialist funding partner rather than relying solely on traditional bank loans or overdrafts.

Wealth Pay considers the commercial transaction behind the funding request — not just a balance sheet. This allows eligible SMMEs to access funding aligned to a specific business opportunity.

The funding pipeline

Confirmed Purchase Order

A real, verifiable order to fulfil

Unpaid Invoice

Work delivered, payment pending

Awarded Tender

Contract won, delivery to fund

Working Capital unlocked

Why choose Wealth Pay?

Funding that moves with your business.

Transaction-focused funding

Working capital aligned to the commercial opportunity in front of you.

Designed for SMMEs

Built around South Africa's small and medium businesses and their reality.

Flexible working capital

Flexible working-capital solutions that fit the way you operate.

Fast assessment process

A fast assessment process and support throughout funding.

Funding aligned to real commercial opportunities
Direct supplier payment where applicable
Support throughout the funding process
i Funding is subject to assessment, verification, eligibility and applicable terms and conditions.

Apply for funding

Tell us about your business.

Submit your business details and the opportunity you need funded. Our funding team will assess your application and contact you to discuss the transaction and next steps.

Start your application Talk to a funding specialist

The funding process

Apply

Submit your business and transaction details.

Assess

We review your order, invoice or tender and supporting documents.

Structure

We determine the appropriate funding structure.

Approve

Subject to successful assessment and applicable conditions.

Fund

Funding is provided to support fulfilment of the transaction.

Repay

Funding is settled from the agreed transaction proceeds.

Fund the opportunity in front of your business.

Wealth Pay — Enabling SMMEs to access working capital, fulfil contracts and grow.

Apply for funding