Your contract is your capital.
You've won the work. Now you need the funding to deliver it. Nsoma Capital provides fast, flexible working capital to South African MSMEs — so you can perform, not just participate.
Image Placeholder: Hands/Growth/EnterpriseDisbursed to South African MSMEs
Portfolio repayment rate
Businesses funded since 2019
Youth-, women- & township-owned
Since inception in 2019. Figures reflect our active loan portfolio and verified repayment data.
Built for South Africa's entrepreneurs.
If you run a micro, small, or medium business — and you've secured a purchase order, service contract, or procurement agreement — we can help you access the working capital to deliver on it. We specialise in supporting entrepreneurs from historically marginalised communities, including youth-owned, women-owned, and township-based businesses.
Government & municipal suppliers
Businesses fulfilling contracts with government departments, municipalities, and SOEs.
Corporate supply chain participants
SMEs supplying products or services to large private sector companies.
Emerging entrepreneurs
First-time or growing businesses ready to deliver but needing capital to mobilise operations.
From application to funding in days — not months.
We've designed our process to be as straightforward as possible. No unnecessary delays, no confusing requirements. Here's what to expect:
Apply
Submit your application and supporting documents through our contact form or directly by email.
We review your contract
Our team assesses your purchase order or service contract — typically within 24–48 hours.
Agreement signed
Once approved, we prepare a simple, transparent loan agreement for your review and signature.
Funds disbursed
We pay your vendors directly through FNB's 3PIM platform — ring-fenced for contract execution only.
You deliver. You repay.
Complete your contract, receive payment from your client, and settle with us. Average cycle: 30–90 days.
We fund within 2–5 business days of approval.
Three ways we can help your business.
Every product is designed around the real challenges MSMEs face.
Contract Backed Financing
Have a confirmed contract but need capital to deliver? We fund you upfront and pay your suppliers directly.
Learn more →Invoice Discounting
Waiting up to 90 days for a client to pay? We unlock the cash tied up in your invoices so your business keeps moving.
Learn more →Asset-Backed Loans
Need a quick liquidity boost? If your business holds tangible assets, we can offer a short-term secured loan.
Learn more →We're more than a lender.
When you work with Nsoma Capital, you get more than funding — you get a partner that wants to see your business grow.
Fast capital when it counts
We fund within 2–5 business days of approval — dramatically faster than traditional banks or bridging finance providers.
Your money goes exactly where it should
We pay your suppliers directly through FNB's 3PIM platform. Funds are ring-fenced for your contract — nothing is left to chance.
We build your business, not just your balance
Every transaction comes with enterprise support: budgeting guidance, contract delivery oversight, KYC compliance coaching, and post-funding check-ins.
Fully regulated. Fully accountable.
We are a registered credit provider (NCRCP20635) and a registered accountable institution with the FIC (ID 47448). You can trust that every rand is managed with care.
A track record built on real results.
Since 2019, we have funded over 150 businesses across South Africa — and more than 95% have repaid successfully. Our portfolio spans supply chain, professional services, construction, and logistics. The businesses we fund are real, the contracts are real, and the outcomes speak for themselves.
R250,000 funded to a youth-owned uniform supplier
A youth-owned business supplying branded uniforms to a provincial government department. Repaid in full within 45 days.
R400,000 for a women-owned enterprise
A woman-owned business coordinating a provincial safety event. Repaid within 2 weeks of contract completion.
R1.85 million for a state agency supplier
A supplier fulfilling a high-value contract with a state-owned defence agency. Repaid in full within 3 months.
Ready to apply? Let's get your business funded.
Tell us about your contract and we'll let you know if you qualify — usually within 24–48 hours.