Frequently Asked Questions (FAQs)
Find answers to common questions about Smooth Funding.
FAQs
About Smooth Funding
What is Smooth Funding?
Smooth Funding is a commercial finance intermediary that connects SMEs with tailored funding solutions and provides ongoing business support to help them grow sustainably.
How are you different from a traditional financial institution?
We don’t just connect you with funds—we partner with you from pre- to post-finance, ensuring your business is investment-ready and supported every step of the way.
Which industries do you serve?
We support SMEs across sectors including:
- Manufacturing & Processing
- Merchants & Retail
- Field Service Providers (construction, maintenance, engineering)
- Logistics & Supply Chain
- Renewable Energy & Infrastructure
- Agri-processing & Agriculture
- Healthcare, Education & Professional Services
Funding Solutions
What types of finance do you offer?
What types of finance do you offer?
We specialize in:
- Purchase Order (PO) Funding
- Contract Funding
- Invoice Financing (Discounting & Factoring)
- Asset Finance
- Term Loan
- Bridging Loan
- Merchant Cash Advance
- Revenue Based Funding
- Inventory/Stock Finance
What is PO Funding?
Upfront funding to cover supplier costs so you can deliver a confirmed purchase order. Repayment happens once your client pays.
How is Contract Funding different?
Upfront funding to cover supplier costs so you can deliver a confirmed purchase order. Repayment happens once your client pays.
How is Contract Funding different?
Contract Funding supports multi-stage or long-term projects, not just once-off orders.
What is Invoice Financing?
Invoice financing unlocks cash tied up in unpaid invoices. With discounting, you collect payments; with factoring, we handle collections.
Application & Eligibility
Who can apply?
Any registered SME in South Africa with a valid contract, purchase order, or invoice. More than 12+ months of trading and more than R50,000+ in monthly revenue
Do I need collateral?
Not always, we have unsecured loan options and others are secured by the order, contract, or invoice itself.
Can start-ups apply?
Yes—if you have a strong PO or contract from a reliable customer.
What documents are required?
Basic Requirements:
- 12 months bank statements
- CIPC Registration & Tax Clearance
- Director’s IDs
- Proof of Address/ or Lease Agreement
Conditional Requirements (depends on type loan, size or business situation):
- Management accounts and/or annual financial statements
- Valid Purchase-Order, Contract or Invoice details
Costs & Rates
How much does funding cost?
Pricing depends on amount, duration, risk profile, and buyer reliability. We have tailored terms structured according to your business needs.
No. All fees are disclosed upfront.
Process & Timeline
How do I apply?
Apply online, it takes less than a minute!
- A business advisor will reach with pre-qualified offers.
Submit supporting documents required for final checks.
Get funded!
How long does approval take?
Same day to 48 hours at most after documents are submitted. Longer waiting periods can occur depending on the complexity of the application or business situation.
What amounts can I access?
R50,000 – R50 million
Higher capital requirements can be advanced on case-by-case basis.
Business Support & Partnerships
Do you only provide funding?
No—we also provide business support and tools before and after funding, covering diagnostics, planning, governance, supply chain, and leadership training.
Who are your partners?
We work with alternative lenders, DFIs, banks, and private credit funds, giving SMEs access to multiple financing sources.
How do you reduce risks?
We engage industry experts in manufacturing, logistics, agri-processing, renewable energy, healthcare, and more—ensuring strong due diligence and better outcomes.
Trust & Track Record
How many businesses have you supported?
- 2000+ deals closed
R2 billion+ in capital unlocked
50,000+ SMEs connected
Why trust Smooth Funding?
Because we only win when you do. We’re transparent, unbiased, and committed to both funding and business growth.
Didn’t find your answer? Contact Us for personalized support.
About US
Empowering SMEs with funding, advisory, and growth support.
Address
12 Taylor Road, 20 Bali Starling, Roodepoort, Honeydew Manor, 2170
Contacts
(+27)-71-713-7802
Support@smoothfunding.co.za
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