Financing Solutions

Financing solutions to help our clients grow

The benefit of financing your assets through us is that we offer you flexible repayment options on either a monthly or quarterly structure and rentals that are 100% tax deductible, minimising income tax obligations as well as savings on
costly administration fees.

PURCHASE ORDER FINANCE

Working Capital Solutions, through our Purchase Order Finance product, can pay the client’s suppliers on the client’s behalf, according to the payment and INCO terms stipulated by said suppliers. These payments are only made on the back of confirmed Purchase Orders from the client’s Approved Debtors, or for an Asset Finance client. The suppliers can be either local or foreign entities. ‘Payment’ can be facilitated by way of a Letter of Credit or Telegraphic Transfer.

STOCK FINANCE

This funding solution provides you with upfront financing for any local or international stock/commodity procurement needs. The lend here is not subject to confirmed off-take, and the maximum duration of short-term loans is 180 days.

OPERATING LEASE

No Ownership Lease:
An operating lease is purely off-balance sheet funding where there is no depreciation to write off, and the interest is calculated on the capital amount, excluding VAT. By the end of the lease period you do not own the asset, and you will only have paid for the use thereof.

Ownership Lease:
An operating lease with ownership is structured in the same way as a standard operating lease, with the exception that there is an option to take ownership of the asset at the end of the lease period (at a negotiated premium).

INSTALLMENT SALE

With installment sales ownership of the asset is automatically transferred to you once the final installment on the lease has been paid. This lease is treated as onbalance sheet funding, and depreciation can be written off. Interest is charged on the full capital amount, including VAT.

SALE AND LEASEBACK

A sale and leaseback arrangement is one where the seller of an asset leases that same asset back from the buyer. This involves you selling your fixed asset back to us, and it is then rented back over the remaining lifespan. In this way you enable your company to still make use of the asset while freeing up cash for other company operations.

INSURANCE

Insurance solutions available through our partner company, Kuda Holdings (Pty) Ltd. More details on www.kuda.co.za

Why Choose US

Best Market Rates

Flat Swift Fees

Streamlined Process

No Commissions

LONG TERM FINANCE SOLUTIONS

No Ownership Lease:
An operating lease is purely off-balance sheet funding where there is no depreciation to write off, and the interest is calculated on the capital amount, excluding VAT. By the end of the lease period you do not own the asset, and you will only have paid for the use thereof.

Ownership Lease:
An operating lease with ownership is structured in the same way as a standard operating lease, with the exception that there is an option to take ownership of the asset at the end of the lease period (at a negotiated premium).

With instalment sales ownership of the asset is automatically transferred to you once the final instalment on the lease has been paid. This lease is tr eated as onbalance sheet funding, and depreciation can be written off. Interest is charged on the full capital amount, including VAT.

A sale and leaseback arrangement is one where the seller of an asset leases that same asset back from the buyer. This involves you selling your fixed asset back to us, and it is t hen rented back over the remaining lifespan. In this way you enable your company to still make use of the asset while freeing up cash for other company operations.

We also offer insurance on a vast variety of products ranging from Computer Equipment, Office Automation, Security Equipment, Commercial and Motor Fleets, Construction and Engineering Equipment, Agriculture Equipment and Aviation.

SHORT TERM FINANCE SOLUTIONS

This funding solution provides you with upfront financing for any local or international stock/commodity procurement needs. The lend here is not subject to confirmed off-take, and the maximum duration of short-term loans is 180 days.

Working Capital Solutions, through our Purchase Order Finance product, can pay the client’s suppliers on the client’s behalf, according to the payment and INCO terms stipulated by said suppliers. These payments are only made on the back of confirmed Purchase Orders from the client’s Approved Debtors, or for an Asset Finance client. The suppliers can be either local or foreign entities. ‘Payment’ can be facilitated by way of a Letter of Credit or Telegraphic Transfer.

  • The client begins by identifying one or more specific Debtors to include in this facility.
  • Kudex / MW purchases the current and future invoices raised to these Debtors, and the client cedes the rights and claim to the underlying debt to Working Capital Solutions.
  • Working Capital Solutions will advance up to 80% of the outstanding invoices, provided that the invoices are accompanied by Proof of Delivery/Performance.
Kudex / MW purchases the client’s full Debtors Book, and the client cedes the rights and claim to the underlying debt to Working Capital Solutions. Based on the composition of this Debtors Book, we can advance up to 80% of this Debtors Book in the form of a revolving working capital facility. This facility
remains confidential, and the debtors in the book are not notified of the cession of the debt or the existence of this facility.
Foreign exchange & Financing solutions to help our clients grow.

Call Us Any Time: +27 12 010 0916 

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