AAA Consortium
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How it works
StepsDo I qualify?DocumentsHow you pay usTrackingApply

From order to paid, in five steps.

You focus on delivering. We fund the order, pay your suppliers, track the goods and settle the deal the day your client pays.

Step by step

Exactly what happens.

  1. 01

    Apply

    Tell us about your business, the order and the buyer. Documents can follow.

    • Submit your application via our online portal, WhatsApp or email.
    • You don’t need every document ready to start the conversation. Our team will guide you on what is missing.
    • We focus strictly on registered juristic entities (Pty Ltd or CC) with a valid purchase order.
  2. 02

    First answer

    Our review panel looks at the deal and gives you a first answer within 24 hours.

    • Our panel conducts a high level review of your documents for preapproval.
    • We assess the profitability of the margin and the credibility of the end buyer.
    • If the deal makes commercial sense, we immediately move to formal verification.
  3. 03

    Verify and offer

    We confirm the order with the buyer and vet your suppliers, then make you an offer.

    • We independently verify the purchase order with the issuing department or corporate buyer.
    • We vet your suppliers to ensure that you can deliver the correct goods. We even have an extensive network of trusted suppliers to potentially increase your margin and help you deliver the purchase order at a better value.
    • You receive a formal offer and a funding agreement.
    • We utilise your current bank account and load the necessary details onto the CSD. If you have any issues with your CSD profile, our team is right here to step in and help you resolve them.
  4. 04

    We pay your suppliers

    We pay your suppliers directly and track the goods from supplier to your client within 48 hours.

    • Once the funding agreement is signed, the capital is paid directly to your approved suppliers.
    • We work with you to track products and services from the supplier to the end user.
    • We assist you in ensuring your final invoice and delivery notes are correctly submitted to the buyer.
  5. 05

    Deliver and get paid

    Your client pays into your bank account. Our service fees are settled, and your profit is paid out the same day.

    • Payment is received from the end user. We actively assist you with following up on the payment to ensure there are no unnecessary delays.
    • Our capital advance and daily fees are settled from the proceeds.
    • Your profits are released and paid out to you on the exact same day the funds clear.
Do I qualify?

Find out in ten seconds.

Four questions, taken straight from our funding criteria.

Answer the four questions above. Your credit score is not one of them.
You need

Four things.

  • A valid purchase order or appointment letter from a buyer in South Africa
  • An order worth between R250 000 and R10 million
  • A business that is tax compliant
  • For private sector orders, registration as a vendor with the buyer
You do not need

Everything a bank asks for.

  • A good credit score. Defaults and judgments do not rule you out
  • A trading history. New businesses can apply
  • VAT registration, although it lowers your net cost
  • To be free of debt review or blacklisting, as long as the order and documents are valid
Documents

What to have ready.

Start your application without them if you need to. Having them ready helps our team move faster.

Download the checklist

About the order

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

About the buyer

  • Your vendor number, if you are registered with them
  • Your contact person at the buyer
  • The payment terms
  • Where the goods or services will be delivered
How you pay us

Not a loan. No interest.
No surprises.

We fund your order under a funding agreement. Here is how the money moves.

An offer before anything moves

After verification you receive an offer and a funding agreement for the deal. Nothing is paid until you accept.

Service fees, counted daily

Our fees run from the day our capital is deployed until your client’s payment lands in your bank account, weekends and public holidays included.

Settled from your client’s payment

Your client pays into your bank account. Our capital and service fees are settled from that payment, so our fees come off the order amount.

Your profit, the same day

Whatever remains after our capital and service fees is paid out to you on the day the payment arrives.

Fixed rates for regular clients

If you bring us orders regularly, we agree a fixed rate plan that fits your pipeline.

VAT you can claim back

We are a registered VAT vendor. If you are VAT registered, you can claim the VAT on our invoices.

Three real deals, in numbers

Paid on time

On time payment: a smooth deal

Order value
R1 495 000
AAA advanced
R800 000
Client paid after
39 daysWithin the agreed period
Final profit
R515 600As expected

Paid on day 39

What happened

AAA advanced R800 000 so the supplier could fulfil the order without waiting for the client’s payment. The client paid within the agreed payment period, 39 days after funding, with no delays and no extra funding needed. The deal closed as planned, with no service fees beyond those anticipated.

The takeaway

When clients pay on time, the funding period is predictable, the deal runs efficiently and the supplier earns the expected return.

Paid 10 days early

Early payment: higher profit

Order value
R426 015
AAA advanced
R285 196
Client paid after
20 daysAgreed period 30 days
Final profit
R85 719Up R10 392 on the R75 327 estimate

Paid on day 20Agreed period 30 days

What happened

The deal was assessed on a 30 day payment period, giving an estimated profit of R75 327. The client settled the invoice after only 20 days, so the funding was outstanding for a shorter time and fewer daily service fees were incurred.

The takeaway

Early payment means fewer daily service fees and a deal that closes sooner. Here it lifted the supplier’s profit from R75 327 to R85 719.

Paid 43 days late

Delayed payment: reduced profit

Order value
R364 400
AAA advanced
R263 277
Client paid after
73 daysAgreed period 30 days
Final profit
R21 646Down R13 681 on the R35 327 estimate

Agreed period 30 days43 days late, paid on day 73

What happened

The order came from a government department on 30 day terms, with an estimated profit of R35 327. A payment backlog at the department meant the invoice was paid 43 days late, about 73 days from submission to settlement. Additional daily service fees applied for the extra time.

The takeaway

The longer a client takes to pay, the longer the funds stay tied up and the more daily service fees reduce the profit. Our payment follow up team works with you and your client to monitor outstanding payments and help prevent unnecessary delays.

Honest answers

Why some deals do not go ahead.

Most declines have nothing to do with you. Knowing the common reasons helps you bring us a deal that works.

  • The buyer does not respond when we ask them to confirm the order
  • Manufacturing lead times are longer than the delivery date allows
  • 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

Is your deal profitable?Read the guide

Tracking

Know where your deal stands. Always.

The AAA Deal Tracker in the client portal shows every current and past funding request, its reference number and its stage, from supplier payment to delivery and settlement. We also email you as your deal moves.

Log in to the client portalAbout the Deal Tracker

Questions

Common questions.

How long does it take?

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.

Will you contact my buyer or the department?

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.

Can I deliver the stock myself to save costs?

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

Do you only fund government purchase orders?

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

Do you fund purchase orders from buyers outside South Africa?

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.

Do you fund working capital or operating expenses?

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.

All questions

Ready when your order is.

Apply online in a few minutes, or send us the order on WhatsApp. You will have a first answer within 24 hours.

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