Speak to your banker
Talk to your FNB relationship manager or business banker. Where it fits, they can refer your business to Sourcefin for consideration for Purchase Order Financing.
Sourcefin and FNB
Funding that takes you from opportunity to delivery
You have won the work. Through a referral arrangement with FNB, more SMEs can access Purchase Order Financing (POF) from Sourcefin – the working capital to deliver a confirmed order before your customer pays.
How does purchase order financing through FNB work?
FNB does not fund purchase orders itself. Through a referral arrangement, FNB can refer eligible business clients to Sourcefin, the specialist funder, for Purchase Order Financing (POF). Sourcefin assesses your confirmed order, funds the supplier directly so you can deliver, and is repaid once your customer pays. FNB brings trusted banking reach, and Sourcefin makes all funding decisions.
Sourcefin has deployed more than R3 billion to South African SMEs and is the NSBC Funder of the Year 2026. Many businesses win the work before they have the working capital to deliver it – that gap between opportunity and delivery is exactly what Purchase Order Financing closes, so more businesses can deliver on what they win.
How the referral arrangement works
Three steps, one clear path
We validate and assess
Sourcefin validates the purchase order, vets the parties involved and independently assesses the application, including its own fraud checks.
We fund the delivery
If approved, Sourcefin funds the supply side of your confirmed order so you can deliver. Your customer pays, Sourcefin is repaid, and you keep your profit.
A referral does not guarantee funding. FNB does not assess, approve or fund applications – all assessments and decisions to offer Purchase Order Financing are made solely by Sourcefin, in line with its own credit and risk processes.
Who it is for
Is your business a fit?
Purchase Order Financing through the referral arrangement is designed for established FNB business clients, particularly SMEs, delivering against confirmed work across both private and public sector supply chains.
This is a fit if
- You hold a confirmed purchase order or tender, typically R250 000 or more in value
- You have an identified supplier who can fulfil the order
- Your customer is creditworthy and can pay on agreed terms
- You can demonstrate the ability to deliver, even with limited balance sheet support
Grow beyond your balance sheet
Purchase Order Financing is available even with limited balance sheet support, where you can demonstrate the ability to deliver. Funding is sized to the opportunity in front of your business, not only its trading history – so a strong order need not stall for lack of working capital.
Sectors we commonly fund
- Construction
- Manufacturing
- ICT
- Logistics
- Maintenance
- Cleaning services
- Public sector contracts
We consider any sector with confirmed work – these are simply the ones we fund most often.
Not an FNB business client? You can still apply to Sourcefin directly – start your application below.
Start your application
From opportunity to delivery
Tell us about your business and the confirmed order you need to deliver. A real Sourcefin enabler reviews it and works towards a decision – part of the more than R3 billion Sourcefin has deployed to South African SMEs.
Built around your confirmed order
Open-minded funding, trusted banking reach
Decisions made solely by Sourcefin
- Your details stay private
- · POPIA-protected
- · Free to apply
The product behind the referral
Purchase Order Financing, explained in full
The referral arrangement funds one product: Purchase Order Financing. Here is how each part of it works.
What it is
Purchase Order Financing pays your supplier against a confirmed order so you can deliver, then is repaid when your customer pays.
What purchase order financing is →Who qualifies
Open to any business with a confirmed order – no trading history or collateral required.
Who qualifies →How to apply
The steps from application to funded, and what happens once you submit your confirmed order.
How to apply →What you need
The documents and deal criteria Sourcefin assesses before making a decision.
What you need →How long it takes
How quickly a confirmed order moves from application through to funded.
The timeline →What it costs
How Purchase Order Financing is priced per deal, and the factors that drive the cost.
What it costs →Questions, answered
FNB and Sourcefin: your questions answered.
Does FNB offer purchase order funding?
FNB does not fund purchase orders itself. Through a referral arrangement, FNB can refer eligible business clients to Sourcefin, a specialist funder. Sourcefin provides Purchase Order Financing (POF): it pays your supplier directly against a confirmed order so you can deliver, then is repaid when your customer pays. It combines FNB’s trusted banking reach with Sourcefin’s dedicated purchase order funding.
How do I get purchase order funding through FNB?
Speak to your FNB relationship manager or business banker, who can refer you to Sourcefin, or apply on this page. Sourcefin assesses your confirmed order and funds the supplier so you can deliver – often a term sheet within 24 to 48 hours, on deals from R250 000 upward. It is structured as trade finance, not a loan.
What is the difference between an overdraft and purchase order funding?
An overdraft draws on your own credit and balance sheet. Purchase order funding is provided against a confirmed order – the funder settles your supplier so you can deliver work you have already won. It is built for a different purpose, letting you take on orders larger than your cash on hand.
Who qualifies for purchase order funding through FNB and Sourcefin?
It is designed for established FNB business clients, particularly SMEs, with a confirmed purchase order or tender typically R250 000 or more in value. Sectors we commonly fund include construction, manufacturing, ICT, logistics, maintenance, cleaning services and public sector contracts – though we consider any sector with confirmed work. It is available even with limited balance sheet support, where you can demonstrate the ability to deliver.
Does a referral from FNB guarantee funding?
No. A referral does not guarantee that funding will be offered. FNB does not assess, approve or fund applications. All assessments and decisions to offer Purchase Order Financing are made solely by Sourcefin, in line with its own credit and risk processes.
Can I get purchase order funding from Sourcefin if I do not bank with FNB?
Yes. Purchase Order Financing is offered to FNB business clients through the referral arrangement, and SMEs that do not bank with FNB can still apply to Sourcefin directly using the application on this page.