SMME FUNDINGEmpowering
SMME FUNDINGEmpowering yourbusiness journey towards successFundMyPo is a dynamic financial services firm specialising in providing South African SMEs with access tocapital and advisory services.Liquidity challenges: Delayed client payments often lead to cashflowissues, affecting operations. Through invoice-discountingservices, we help businesses unlock cash tied up in outstandinginvoices, enhancing liquidity and operational efficiency.VAT processing errors: Complexities in Value Added Tax (VAT)processes often result in overpayments and financial losses. Our VATadvisory service conducts thorough analyses of historical accountspayable data, helping businesses reclaim overpaid VAT and turnmissed opportunities into financial gains.The company was incorporated in 2025 by leaders with morethan 15 years in banking and capital-raising experience.TRUSTED SME PARTNERWe empower South African small and medium enterprises(SMEs) by providing tailored access to capital and expert advisoryservices. Our mission is to enable businesses to thrive by offeringinnovative financial solutions that address their unique needs.As a customer-centric organisation, we prioritise building longterm,sustainable relationships with our clients and investors.Our platform connects SMEs with investors seeking high-qualitybusiness opportunities, creating a mutually beneficial ecosystem.Backed by a team of seasoned professionals, we are committed tohelping businesses achieve their financial goals and navigate today’schallenging economic environment. FundMyPo is the trusted partnerSMEs and investors rely on for success.Our team comprises experts with a proven track record ofdelivering transformative results. We've successfully worked withclients in industries ranging from construction, mining and healthcareto finance and manufacturing.KEY CHALLENGESSouth African SMEs often face significant hurdles that impede theirgrowth and operational efficiency. FundMyPo addresses thesechallenges with innovative strategies, bridging the gap between SMEsand the capital they need.Financial accessibility: Many SMEs struggle to secure funding forlarge purchase orders or contracts. Our platform enables access tocapital through purchase-order financing and contract funding,ensuring businesses can meet customer demands without strainingcash flow.OUR SOLUTIONSFundMyPo provides a comprehensive suite of financial solutionsdesigned to support SMEs at various stages of growth:Purchase-order capital-raising: We assist businesses in securingfunds to fulfill purchase orders from government or blue-chipcompanies, ensuring smooth operations without compromisingcash flow.Contract funding: We offer innovative funding solutions for SMEsholding valid contracts with government entities or blue-chipcompanies, enabling them to execute projects successfully.Invoice discounting: Our platform provides access to invoicediscountingservices, allowing companies to convert outstandinginvoices into immediate cash, boosting liquidity.Working capital solutions: Tailored funding options are availablefor project completion. We collaborate closely with clients to providephased funding aligned with project milestones.VAT advisory services: We simplify complex tax regulations byoffering scalable VAT-recovery solutions for medium and largeenterprises across industries.HOW WE WORKOur onboarding process ensures a seamless experience for SMEsseeking financial support. Once the required documentationand valid purchase orders are submitted, applications undergo athorough assessment. Upon approval, clients sign an “Access toCapital Agreement”. After verification is completed, the deal isfunded promptly.CONTACT USAddress: Southdowns Ridge Office Park, John Vorster Dr, Irene,Centurion 0062Tel +27 (12) 004 3824Email: info@fundmypo.co.zaWebsite: www.fundmypo.co.za14 | www.opportunityonline.co.zaPHOTO: wayhomestudio on Freepik
SMME FUNDINGAllowing businesses to say yesto growthFundMyPo makes funding available based on the strength of purchase orders and invoices. CEO TshepisoMathaphuna wants to continue unlocking opportunity by turning confirmed orders into confident execution.What are the primary barriers faced by South AfricanSMEs in gaining access to finance?Key barriers include limited access to formal financial servicesand challenges in accessing finance from both formal andinformal sources.What makes your offering different to what othersmall-business financiers are doing?• Niche focus: with purchase-order (PO) financing, you get thefunding before the sale (based on confirmed POs), not afterthe sale.• FundMyPo uses a tech-enabled platform to assess POs andsuppliers quickly.• FundMyPo backs funding based on the strength of the buyer’sPO or invoice.Are you not taking on a high risk by offering financingbased on invoices and purchase orders?That’s a super-valid concern – PO and invoice financing canlook risky from the outside, but platforms like FundMyPo arebuilt specifically to mitigate that risk. There are two parts to theequation: risk management and repayment performance. Wefund based on buyer credibility.Tshepiso Mathaphuna,CEO of FundMyPo.Please explain the concept of“invoice discounting”.Absolutely – invoice discounting is asmart way for businesses to unlock cashthat’s tied up in unpaid invoices. It’s oftenconfused with factoring, but it works a bitdifferently. Invoice discounting isa type of short-term borrowingwhere a business uses itsaccounts receivable (invoices)as collateral to get cash beforethe customer actually pays.What motivated you tostart this business?Too many great smallbusinesses were losing outon big opportunities justbecause they didn’t have the cash to fulfill a confirmed order.So we asked: “What if we could be the partner that helps themsay YES to growth?” That’s where FundMyPo came in – a solutiondesigned for:• speed• flexibility• trust in the transaction (not just the credit score)Was it easy to find investors?It was not easy. However, we do have investors.In what sectors are you most active?If we zoom in on where FundMyPo is most active, it’s reallycentred around sectors where businesses:• deal in physical goods• work with large buyers or distributors• often need upfront capital to fulfill POs or bridge cash flowwhile waiting for invoices to be paidWith large contracts often requiring capital outlay inthe mining sector, do you believe your services wouldbe applicable?Absolutely, the mining sector is actually a very strong fitfor FundMyPo-style financing, especially when it comesto supporting service providers, equipment suppliers andsubcontractors involved in large contracts.What is your vision for FundMyPo?• To become the go-to growth partner for small and midsizedbusinesses around the world, unlocking opportunityby turning confirmed orders into confident execution. Weenvision a world where no business ever has to say “no”to growth because of a cash-flow gap.• By fuelling businesses that move goods, make productsor deliver value across borders, we support economicinclusion and job creation on a global scale.• Our vision isn’t to be the biggest – it’s to be the most trustedIs it easy for an SME to register with you or to findout if your services are relevant to their needs?Yes, SMEs can simply visit www.fundmypo.co.za and uploadtheir deals for funding and our team will do the rest.www.opportunityonline.co.za | 15
