Our Solutions
Trade finance structures designed for SMEs supplying large buyers and needing short-term working capital.
Invoice Discounting
Core ProductUp to 85% of invoice value
6% per month, pro-rated
Up to 90 days
Benefits
- For invoices already delivered and accepted
- Buyer pays directly into the collection account
- Immediate liquidity instead of waiting 30 to 90 days
- Buyer and invoice authenticity validation
- Ideal for suppliers to large corporates and SOEs
Requirements
- Approved or accepted buyer invoice
- Verified buyer procurement or accounts payable contact
- Validated SME documentation and bank account
Purchase Order Funding
RecommendedUp to 85% of PO value
6% per month
45 to 90 days
Benefits
- For confirmed POs before delivery
- Can disburse to the SME or approved supplier
- Tracks supplier, delivery, and invoicing workflow
- Buyer-signed payment direction
- Well suited to mining, energy, and construction contracts
Requirements
- Confirmed and irrevocable PO
- Buyer with verifiable payment capacity
- Supplier cost breakdown and fulfilment plan
Buyer Programme
StructureAnchor buyer agreements
Dedicated structure
Annual partnerships
Benefits
- Vendor finance programmes with anchor buyers
- Standardized payment direction process
- Predictable pipeline of eligible suppliers
- Integration with procurement and accounts payable
- Improved operational risk control
- Sector scale for energy, mining, and infrastructure
Requirements
- Buyer with a structured supplier base
- Ability to recognize receivables assignment
- Commitment to pay into the designated account
- Formal invoice and PO validation process
Frequently Asked Questions
Find answers to the most common questions about our services.
What is the difference between invoice discounting and PO funding?
Invoice discounting is used after delivery and invoice acceptance by the buyer. PO funding is used before delivery to help the SME fulfil the purchase order.
How much can you fund per deal?
The base structure is up to 85% of PO or invoice value, subject to the SME credit limit, tenor, and buyer quality.
Who repays the facility at maturity?
The buyer is instructed to pay directly into the facility collection account according to the signed payment direction.
What costs are part of the structure?
Beyond the monthly finance charge, the structure may include origination, collection-account, and legal-documentation fees configured for each deal.
Does Onix track the flow after disbursement?
Yes. In PO funding we track delivery, supplier invoicing, buyer invoicing, and final settlement.