Questions, answered.

We fund purchase orders from R250 000 up to R10 000 000.

No. A poor credit score, defaults or judgments do not affect our criteria. Tax compliance does: an application from a business that is not tax compliant cannot go ahead.

Yes. We can help as long as you have a valid purchase order and the correct documents.

Yes. You do not need a trading history. If you have a valid purchase order, you can apply.

Yes. Tax compliance is the one requirement we cannot work around, and having it in order keeps your application moving quickly.

No. It helps, though: AAA Consortium is a registered VAT vendor, so if you are registered you can claim the VAT on our invoices and lower your net cost.

No. We fund orders from government departments, municipalities, state owned enterprises and private companies.

No. We fund purchase orders issued by buyers in South Africa. If your order depends on goods from abroad, import funding can cover the foreign supplier.

You may qualify if you have:

• A valid purchase order from a private company
• Clear details of the goods or services required
• Delivery dates and order values
• A buyer that is expected to pay on agreed terms

If you are unsure, send us the deal and our team will assess it with you.

For private sector orders, yes. Most private companies only buy from suppliers registered on their vendor database, so being registered makes the process smoother.

We may be able to help with both. Every opportunity is different, so we look at the details of the order before we decide.

Not through purchase order funding. It is linked to a specific order and pays for what that order needs, not salaries, rent or day to day costs. If you have already delivered and invoiced, invoice discounting can release cash for those costs.

No. We only fund businesses delivering on confirmed orders.

It is not a loan, so there is no interest rate. We fund a specific order under a funding agreement. When your client pays, our service fees are settled and the profit on the deal is paid to you.

See how you pay us for the full picture.

From the day our capital is deployed until your client’s payment arrives in your bank account. The count includes weekends and public holidays.

No. What you see is what you get.

Yes. Our service fees can be deducted directly from the purchase order amount when it is paid.

Yes, for recurring clients. We agree a fixed rate plan that fits your pipeline of orders.

A daily fee applies while payment is outstanding. To avoid this, our payment follow up team works with you and your client to get payments processed on time.

Yes, if the deal needs it.

No. A valid purchase order is what we fund against. No personal collateral or guarantees are required.

No. Using AAA Consortium does not affect your existing bank facilities or your credit profile.

Five steps: you apply, we give you a first answer within 24 hours, we verify the order and make an offer, we pay your suppliers, and you deliver and get paid. See every step.

Preapproval usually takes up to 24 hours once we have your documents. After approval, funds are paid to your suppliers within 48 hours. Verifying the order with the buyer can take longer, depending on how quickly they respond.

Yes. We are happy to fund several orders side by side.

Yes. We confirm the order directly with the department or company that issued it. You manage the relationship with your client; we ask that you copy us on correspondence so we can keep the deal on track.

Yes. We handle it professionally and transparently, which protects the trust your client has in you.

We double check key details with the end user so that everything is approved and aligned before money moves. It prevents problems at delivery.

The most common reasons are:

• The buyer does not respond to our confirmation requests
• Manufacturing lead times are too long for the delivery date
• The wrong specification was quoted, so the correct price leaves no margin
• The buyer has budget constraints
• Delivery costs were left out of the original quote

Yes, in many cases. Talk to us about the order and we will look at the options.

Yes. Subject to our standard due diligence, we can issue a letter of intent to fund to support your tender.

We help. Our team guides you through execution so the right product is delivered on time and to specification.

We pay your suppliers directly. It keeps the order accurate, on time and secure.

Yes. If our vetting finds a supplier is not credible, we will suggest a preferred supplier instead.

Yes. Our vetting team checks that your suppliers are reliable before any money is paid.

Yes. We arrange logistics and insurance so the order reaches your client safely.

No. All deliveries go through approved channels so the order reaches the end user safely and can be tracked.

Very similar. The main difference is that each private sector opportunity is assessed individually, so we can structure funding around the buyer and your delivery needs.

Mainly supply and delivery: you have a purchase order and need funding to buy stock, fulfil the order and deliver it.

• The original request for quotation (RFQ)
• The first email from the buyer or department
• The purchase order or appointment letter
• Your supplier quotes
• FICA documents for your business

You can start your application without them and send them after your first answer.

• Are you a registered vendor, and what is your vendor number?
• Have you supplied them before?
• Who is your contact person?
• What are the payment terms?
• Where will the goods or services be delivered?

The more you tell us upfront, the faster we can assess the deal.

Complete information lets us move quickly and accurately, and protects you, your client and us from delays and fraud.

Standard FICA and verification checks on every application, to confirm the business is legitimate and to meet our legal obligations.

The application is declined immediately. As an Accountable Institution we are required by law to report it to the authorities.

Yes. AAA Consortium is registered as an Accountable Institution with the Financial Intelligence Centre (FIC). See our compliance page.

Automatically, on the day your buyer’s payment reflects in your bank account. Our capital and service fees are settled, and your profit is paid out to you the same day.

Your existing business bank account. You don’t need to open a new account or change your account details to work with us.

No. We cannot offer invoice discounting on an order we have already funded, but we are happy to look at your other orders and invoices.

Log in to the client portal at any time. The AAA Deal Tracker shows every current and past funding request, its reference number and its stage. We also send email updates as your deal moves.

Short term funding that pays for what you need to deliver a confirmed purchase order, when you do not have the cash upfront. You deliver, your client pays, and the funding is settled from that payment.

We started in 2010 as suppliers ourselves, which is where we saw how hard cash flow is for SMMEs. Since 2022 we have focused on purchase order and invoice funding.

It gives you capital that banks rarely offer SMMEs without a credit history. Every order you deliver builds a track record, which opens the door to larger orders and institutional funding.

Fifteen people across leadership, business development, vetting, compliance, finance and technology. Meet them.