Purchase order funding
Won a tender or PO but lack the capital to deliver? We fund the delivery and share in the upside.
- Funds the full supply chain
- Sourcing from 2,000+ suppliers
- Pay only when the deal pays
Alternative funding · South Africa
Funding that delivers your next opportunity.
Purchase order, invoice and tender funding for South Africa’s serious SMME builders. If the opportunity is real, we back it – often with a term sheet in 24 to 48 hours.
Apply in minutes
No collateral needed
Term sheets in 24–48 hours
From opportunity to delivery.
We fund the supply chain so you can deliver.
Apply now →
Find your next tender, free.
Discover and track SA government tenders.
Explore TenderCentral →
Earn unlimited commission.
Refer businesses and earn on every deal.
Become a partner →
Funding that takes you from opportunity to delivery
Through a referral arrangement with FNB, more SMEs can access Purchase Order Financing (POF) for the confirmed work they win.
Learn more →
Wisdom for builders.
Conversations that move SA founders to strategic scale.
Watch the podcast →What is Sourcefin?
Sourcefin is a South African alternative-funding partner that helps SMMEs deliver on confirmed orders, tenders and invoices. It provides purchase order funding, invoice discounting, tender funding and funding facilities – backing the opportunity rather than judging credit history, often with a term sheet in 24 to 48 hours.
Founded to back the businesses traditional lenders overlook, Sourcefin has deployed over R3 billion to more than 2 000 SMMEs, with an outstanding Google rating, the NSBC National Funder Award and a place on the Financial Times and Statista list of Africa’s fastest-growing companies for 2026. It is backed by a R150 million Futuregrowth investment and partners with GEP, the City of Johannesburg and the Black Management Forum.
R0
deployed to SMMEs
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SMMEs enabled
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vetted suppliers
24–48 HR
to a term sheet
What we fund
Compare all funding options →
Funding that fits the opportunity, not the credit history.
We look forward, not backwards – at the deal in front of you, whether that’s a confirmed order, an unpaid invoice or an awarded tender – then structure funding around it.
Invoice discounting
Work delivered, invoice issued, but stuck waiting 30 to 90 days? Turn unpaid invoices into instant cash.
- Up to 75% advanced upfront
- Government & private invoices
- No hidden fees
Tender funding
Specialist funding and end-to-end support to deliver public-sector tenders with confidence.
- Public & SOE deal expertise
- Project management support
- From R250k to R100m+
How it works
Get funded in three simple steps.
Step 01
Simple application
Tell us about your business and your funding need. No business plans, no endless paperwork.
Step 02
Smart approval
Quick decisioning through our automations – and always a real person at the end of it.
Step 03
Seamless advance
Access funding and our network of 2,000+ vetted suppliers, and deliver with confidence.
Why Sourcefin
We back potential, not paperwork.
The funding partner that shows up – rock-solid dependable, proudly South African, on your side from application to delivery.
Future-focused
Can you deliver and get paid if this opportunity succeeds? That’s our question – not whether you have a perfect credit history.
The secret is in the source
Our supplier network and China sourcing office find better goods at better prices – savings that help offset your funding cost.
A partner, not a lender
We walk side-by-side through the whole deal – sourcing, logistics, project management – and only get paid when you do.
As featured in
Featured podcasts
Watch all →
Where you’ve heard Sourcefin.
It’s More Than Just Money
Joshua Kadish | On Funding SMME's,Tenderpreneurship,Client Relations,Government vs Private Funding.
Watch podcast →Random Thoughts of a Business School Lecturer
SourceFin In the boardroom with David Zidel
Watch podcast →SME South Africa
Funding Unlocked – How Sourcefin is Rewriting the Rules for SME Capital | Ep. 3 #fundingsuccess
Watch podcast →Lerato Sebata
Funding the Forgotten SME: Sourcefin on PO & Invoice Funding | Jedd Harris
Watch podcast →On the Road podcast
THE REALITY | Why Profitable Transport Businesses Still Run Out of Cash
Watch podcast →Awards & recognition
Recognised for backing real businesses.
NSBC National Funder Award
Recognising funders who go beyond capital to grow South Africa’s SMMEs.
Africa’s fastest-growing companies 2026
Named among Africa’s fastest-growing companies by the Financial Times and Statista (53rd in Africa), and 19th on News24 and Statista’s South Africa Growth Champions.
Startup of the Year in Africa
Named Startup of the Year in Africa at the International Prime Awards, Dubai 2024.
Banking Tech Awards 2024
Best Contribution to Economic Mobility for SMEs – by Fintech Futures.
Client stories
Backed businesses, real results.
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Sourcefin came to my rescue when I had a purchase order and didn’t know what to do. They assisted me, negotiated a better deal with my supplier, and kept me updated every step of the way.
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My first big purchase order was from the health department. The team was phenomenal – they sourced reliable suppliers, paid them, and helped me deliver on time.
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Working with Sourcefin feels like flying business class. They partner with you properly, and my suppliers were paid on time so I could focus on delivering.
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Sourcefin is more than a funder. They negotiated on my behalf and helped me maximise the profit on my deal – the best funding partner I’ve worked with.
“
Sourcefin helped us unlock the cash tied up in our outstanding invoices. That’s what kept our construction company afloat when we needed it most.
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They settled our outstanding invoices so we could pay salaries again. Sourcefin genuinely changed livelihoods in our business.
“
The invoice discounting process was efficient and quick, and Jared went the extra mile for us throughout.
“
As a farmer, I can now apply for tenders with confidence. Sourcefin is the first funding house that made that possible for me.
“
When we needed emergency tender funding, Sourcefin came through – reliable, fast, and genuinely impressive.
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Their letter of support empowered us to prospect for bigger projects and prove our financial capability. The relationship is built on trust, integrity and mutual respect.
“
Sourcefin literally saved my business from total collapse.
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Corporate professionalism blended with a personal touch, and the deal structuring was exceptional. A rare combination.
From our verified Google reviews (4.9 out of 5), lightly edited for length and clarity.
Funding Fit
What is your funding fit?
Six questions, about 90 seconds – find the funding that actually fits your deal.
Not every cash gap needs the same funding. The Funding Fit diagnostic reads your situation and routes you honestly, even to options beyond Sourcefin where those are the better fit.
- A personalised result in about 90 seconds
- Honest routing, even to options beyond Sourcefin
- No obligation and no documents needed to start
Popular tenders right now.
Other service activities
Proposals for Sale and Development of Erven
Closes in 1 day · Western Cape
View tender →Other service activities
Proposals for Sale and Development of Various Erven
Closes in 1 day · Western Cape
View tender →Financial service activities, except insurance and pension funding
Professional Services for Asphalt Plant Commercialisation
Closes in 1 day · Gauteng
View tender →Services: Electrical
Inspection and Testing of Cranes and Equipment
Closes in 1 day · Gauteng
View tender →Services: Professional
Outage and Maintenance Services Contract for 5 Years
Closes in 2 days · Gauteng
View tender →Specialised construction activities
Water Infrastructure Upgrade for Greater Orange Farm Phase 3A
Closes in 2 days · Gauteng
View tender →Services: Professional
ICT Wireless Infrastructure Design and Installation
Closes in 2 days · Eastern Cape
View tender →Services: Professional
ICT UTP Cabling Infrastructure Design and Installation
Closes in 2 days · Eastern Cape
View tender →Other service activities
Comprehensive Employee Wellness Programme Provision
Closes in 2 days · Gauteng
View tender →Waste collection, treatment and disposal activities; materials recovery
Hazardous Waste Disposal Service Provider
Closes in 2 days · Gauteng
View tender →Knowledge hub
View all →
Most-read guides for SA SMMEs.
Newsletter
The Sourcefin Brief Week Ending 23 June 2026
The Sourcefin Brief: Rate relief is not guaranteed - fund confirmed work now – South Africa's SMME intelligence for the week ending 23 June 2026.
Read article →
Funding
Repeat Invoice Discounting South Africa: Proven Scale Up
Repeat invoice discounting South Africa. How SMMEs who funded one invoice scale up to second, third, and rolling Sourcefin deals in 2026 and beyond.
Read article →
Funding
Invoice Discounting for Women-Owned Businesses: Real Help
Invoice discounting for women-owned businesses in South Africa. A practical guide to how Sourcefin funds the invoice and customer, not the owner profile.
Read article →
Business Advice
Chuck Chilli Foods: Real SMME Funding That Delivered
How Chuck Chilli Foods – a Black-owned SMME chilli relish brand – scaled into 780 Pick n Pay stores with Sourcefin's purchase order funding behind them.
Read article →
Funding
Invoice Discounting for B-BBEE Compliant SMMEs: Proven Fit
Invoice discounting for B-BBEE compliant SMMEs in South Africa. How procurement preference wins the work, then Sourcefin funds the receivables.
Read article →
Funding
Invoice Discounting for Multiple Customers: Smart Spread
Invoice discounting for multiple customers in South Africa. How SMMEs with spread receivables structure deals, and why customer concentration matters.
Read article →
Latest from the podcast.
The Great Enabler
Funders said we were too risky - and then we scaled our business by 10x
Watch podcast →The Great Enabler
Why winning a tender can destroy your business (plus a CSD and TenderCentral guide)
Watch podcast →The Great Enabler
Why entrepreneurs should stop fearing SARS, and get tax compliant instead
Watch podcast →The Great Enabler
Why most business ideas fail before they even start (plus a CIPC registration guide)
Watch podcast → The Sourcefin Brief 
Grow your business, every Tuesday.
The Sourcefin Brief is the free weekly read for ambitious South African business owners – insight, market reads, news and live tenders, in your inbox every Tuesday.
The Sourcefin Brief Week Ending 23 June 2026
Read article → The Sourcefin Brief Week Ending 15 June 2026
Read article →- Practical insights you can act on
- A clear read on the market
- The news that actually affects your business
- Live tenders worth going after
- Unsubscribe anytime
- Join 40,000+ readers
Questions, answered
Frequently asked questions.
What is Sourcefin and how does it work?
Sourcefin is a South African alternative-funding partner that helps SMMEs deliver on confirmed orders, tenders and invoices. Rather than judging your credit history, we back the opportunity in front of you – funding your supply chain or advancing against invoices so you can deliver and get paid, often with a term sheet in 24 to 48 hours. Apply for funding or see what we fund.
Is Sourcefin a registered, legitimate funder?
Yes. Sourcefin (Pty) Ltd is a registered South African company founded in 2020. We’ve deployed more than R3 billion to over 2 000 SMMEs, hold a 4.9 Google rating, won the NSBC National Funder Award, and are backed by a R150 million Futuregrowth investment. Read real customer reviews or explore what we fund.
What types of funding does Sourcefin offer?
Four, all built around confirmed work: purchase order funding, invoice discounting, tender funding, and revolving facilities for repeat clients. Not sure which fits your deal? Take the Funding Fit diagnostic.
How fast can Sourcefin fund my deal?
We aim for a term sheet within 24 to 48 hours of receiving what we need. A first deal is typically funded in 5 to 10 working days, and repeat clients on a facility can draw down in as little as two days. Start your application.
Does Sourcefin check credit or require collateral?
We’re open-minded funders. Instead of leaning on credit scores or collateral, we look at three things: can we trust you, can the order be delivered, and will your end buyer pay. A past judgment or a short track record doesn’t automatically rule you out – the opportunity does the talking. Apply for funding.
Does Sourcefin fund tender and government purchase orders?
Yes. Tenders and government purchase orders are a core part of what Sourcefin funds. We’ve deployed over R3 billion to SMMEs delivering on contracts with municipalities, state-owned enterprises, listed corporates and government departments. As long as the off-taker is creditworthy and the order is confirmed in writing, the deal can be assessed. Explore tender funding or apply for funding.
Where in South Africa does Sourcefin operate?
Sourcefin funds SMMEs across all nine provinces. Most clients are based in Gauteng, KwaZulu-Natal and the Western Cape, with active deals in Pretoria, Johannesburg, Durban and Cape Town. The funding application is online and assessment is remote, so location doesn’t slow approval. Suppliers can sit anywhere in South Africa or internationally.
What do Sourcefin’s customers say about working with the team?
Sourcefin has funded over 2 000 SMMEs delivering on contracts ranging from a few hundred thousand rand to multi-million rand orders. The clearest answer comes from the clients themselves – read real customer reviews, or read about the work behind being named the NSBC National Funder Award winner.
Is Sourcefin a business loan?
No – Sourcefin isn’t a lender and this isn’t a loan or debt against your balance sheet. If you’ve won a confirmed order, tender or invoice, we fund that specific deal instead, so approval rests on the opportunity, not your credit history. It’s a practical alternative to a business loan: purchase order funding, invoice discounting and tender funding. Apply for funding.
Ready to deliver on your opportunity?
It’s free to apply, and there’s no commitment until you draw down. Let’s get you funded.