Buyer-confirmed invoices
Every invoice is verified by the buyer inside their own workspace before it reaches credit, so the bank funds a confirmed obligation rather than a claim.
SCF
Turn an approved invoice into cash in under 48 hours.
Suppliers upload invoices against a buyer programme, the buyer confirms the amount is payable, and the bank releases early payment. When the buyer settles on due date, repayment clears automatically through the programme collection account.
- Advance rate
- up to 90%
- Time to cash
- 24–48 hrs
- Tenor
- 30–120 days
- Security
- Invoice only
What you get
Programme-level credit
Banks set one programme limit per anchor buyer, then suppliers draw against it. No separate facility negotiation per supplier.
Closed-loop repayment
The buyer pays into the programme collection account. The repayment waterfall clears principal, discount and fees automatically and returns any surplus to the supplier.
Full audit trail
Upload, verification, scoring, approval, disbursement and settlement are all written to one immutable record set that every party can see with their own permissions.
How it works
- 01
Upload
The supplier submits the invoice, delivery note and PO in the SME workspace.
- 02
Verify
The buyer confirms goods received and the payable amount and due date.
- 03
Score & approve
The credit model scores the supplier and the bank approves an advance.
- 04
Disburse
Funds route through the programme wallet to the supplier's account.
- 05
Settle
Buyer payment on due date clears the facility through the waterfall.
Pricing
Indicative pricing for the Kenya pilot. Final rates are set per programme by the funding bank and confirmed in your facility letter.
Pilot
First programme, one anchor buyer
1.75%
discount per 30 days
- Up to 90% advance rate
- Single anchor programme
- 0.5% one-off arrangement fee
- Standard 48-hour funding
Programme
Most usedEstablished anchor with a live supplier base
1.35%
discount per 30 days
- Up to 90% advance rate
- Unlimited suppliers on the programme
- 0.35% arrangement fee
- Same-day funding on verified invoices
- Dedicated relationship manager
Ecosystem
Multi-anchor, multi-market bank deployment
Custom
negotiated per programme
- Blended pricing across programmes
- Cross-border and multi-currency
- API and ERP integration
- Custom credit policy and limits
Key terms
- Facility type
- Receivables purchase (non-recourse to supplier on confirmed invoices)
- Eligible invoices
- Buyer-confirmed, undisputed, goods or services already delivered
- Advance rate
- 70%–90% of the confirmed invoice value, set by credit band
- Tenor
- Invoice due date, 30 to 120 days
- Discount
- 1.35%–1.95% per 30 days, charged on the advanced amount
- Arrangement fee
- 0.35%–0.5% one-off, deducted at disbursement
- Late settlement
- Default rate of 2.5% per 30 days after a 5-day grace period
- Eligibility
- Verified business, 6+ months trading with the anchor, completed KYB
Use cases
Delivers KES 3.2M of stock to a national beverage anchor on 60-day terms and cannot fund the next order cycle.
Receives 88% within a day of buyer confirmation and takes on two additional routes in the same month.
Wants to extend payment terms without pushing suppliers into distress or losing delivery reliability.
Suppliers get paid early by the bank while the buyer keeps the original due date. On-time delivery improves.
Needs SME assets with clear risk and predictable repayment rather than unsecured lending.
Lends against a confirmed corporate obligation with automatic settlement into a controlled collection account.
Questions
Does the supplier need collateral?
No. The facility sits against the buyer-confirmed invoice, not against property or fixed assets.
What happens if the buyer pays late?
The facility stays open and accrues the default rate after a five-day grace period. The programme wallet clears it as soon as payment lands.
How fast is the first disbursement?
Once onboarding and KYB are complete, a verified invoice is usually funded within 24 to 48 hours.
Ready to put Supply Chain Finance to work?
Onboard in a day and fund your first verified invoice this week.