Everything you need to know about purchase order funding with Koola Capital. Can't find your answer? Send us a WhatsApp.
Purchase order funding is working capital that helps you fulfil a confirmed contract. Instead of a traditional loan paid into your account, we pay your supplier directly or cover your wage bill so you can deliver on your purchase order. You repay when your client pays you. It's funding tied to a specific deal, not a general line of credit.
Banks usually need collateral, years of trading history, and a long approval process. Purchase order funding is different. We look at the contract itself, not just your credit history. The funds go directly to your supplier or toward your project costs, and you repay when your client pays you. It's faster, more accessible, and built for businesses that win work but need capital to deliver.
We look at any contract with a confirmed purchase order and a clear payment path, both government and private sector. Common industries include supply and delivery, security services, cleaning, facilities management, repairs and maintenance, and construction. If you have a signed contract and need capital to deliver, reach out and we'll look at the deal.
We aim to get the money out within 72 hours. Speed depends on how quickly we can verify the contract and complete our assessment, but we're built for real business deadlines. The WhatsApp-first process means you're not waiting for email chains or branch appointments. Once we have what we need, we move fast.
With purchase order funding, the percentage charged varies based on the purchase order value, costs, and deal complexity. We personalise our cost of credit based on these factors. A friendly consultant will walk you through the full cost breakdown before you commit to anything, so you can make a clear decision with no surprises.
No. Purchase order funding is secured against the contract itself, not your personal assets. We look at the deal: the strength of the purchase order, the creditworthiness of the client, and your ability to deliver.
At a minimum, we'll need the confirmed purchase order or contract, your company registration documents (including CSD registration for government contracts), director ID documents, and recent bank statements. We collect everything through WhatsApp to keep it simple, no printing, no scanning, no branch visits.
Yes. Because we look at the contract and the deal, not just your trading history, newer businesses with confirmed orders can still qualify. The strength of the purchase order and your client's creditworthiness are key factors in our assessment.
Send us a message on WhatsApp at 078 197 7623. You'll answer a few quick questions to see if we're the right fit, share some basic business info, and tell us about the deal. The whole process is designed to be done from your phone, no portals, no paperwork.
We don't disappear. We stay in touch throughout the contract to help you get paid on time by your client. Once the deal closes, we're here for your next one too. Most of our clients come back, and we're always happy to see them.