Fair, Fast Supplier Payments

We connect Buyers and Suppliers through smart, low-risk financing that improves cash flow, trust, and reliability for all.

Give Your Suppliers a break!

  • Optimise payments & lower WACC±
  • Strengthen suppliers financially
  • Improve supplier relationship

Supply Chain in Africa Made Seamless

Flow Facilitators is here to provide a digital platform for all Africans to participate in our economies fully.

The Flow Facilitators Platform aims to:

  • Assist African suppliers to get early payment from corporates

  • Help suppliers with reasonable funding rates

  • Allow financiers to fund smaller entrepreneurs and companies with less risk

Platform Overview

Flow Facilitators offers a cloud-based, automated Supply Chain Finance solution. The patented system connects Buyers, Suppliers, and Banks, delivering added value and efficiency across the financial supply chain.

Open

The platform is open to businesses of all sizes and both Banks & Financial Institutions

Mitigates Risks

Minimise the typical risks that Banks face: fraud collusion; title-risks; invoice validity

Integration

Banks and Buyers can manage & access validated transactions, easily, using our tools

Tested

Due diligence undertaken by numerous corporate clients, commercial banks and pen-tested by security specialists.

Discreet

Various branding options are available, a completely white-labelled instance is a value-add offered to interested parties

Security & Access

Hosted by BankServAfrica in Johannesburg and Cape Town data centres, with direct links to financiers available via BSVA*

* on-premise and in-country solutions are available

Focus on Growth, Not on Waiting to Get Paid

We help suppliers get paid faster and buyers improve their cash flow—so your business can spend less time chasing invoices and more time scaling.

97%

Paid Within 48 Hours

Fast, reliable early payments for suppliers.

85%

Fewer Payment Delays

Stronger cash flow, smoother operations.

The Traditional Supply Chain Problem

Suppliers often face long payment delays after delivering goods. This traditional model creates a ripple effect of financial strain across the supply chain affecting large and small businesses.

  • Suppliers deliver goods and send invoices.

  • They wait up to 30+ days for payment.

  • Cash flow is delayed.

  • Upstream partners and staff suffer.

The Flow Facilitators Solution

By solving cash flow problems at the source, Flow Facilitators helps build resilient supply chains that work better for everyone, from large factories to SME* suppliers.

  • Immediate action on Day 0**: Validated invoice & virtual payment undertaking.

  • Supplier receives 100% payment (minus retention/fees) upfront.

  • Payment undertaking is offered to financial institutions.

  • If accepted, a payment undertaking (PU) is assigned and funding is released.

* SME – Small or Medium sized Enterprise
** “Day 0” the day the Buyer processes an invoice for payment and submits it to the Platform

Why It Matters

By solving cash flow problems at the source, Flow Facilitators helps build resilient supply chains that work better for everyone, from large factories to small-scale vendors.

  • Buyers get a huge improvement in working capital.
  • Financial Institutions get great credit risk at a better margin.
  • Suppliers improve working capital & cash flow at competitive rates.

How it all works

Our solution streamlines the supply chain financing process, enabling faster payments to suppliers while maintaining flexibility for buyers.

1. Invoice Validation & Payment Commitment

  • Supplier delivers goods and submits an invoice to Buyer, due in 30 days.
  • Buyer processes invoice, creating a virtual payment undertaking (VPU).**

2. Financing Offer

  • Supplier creates financing offer by choosing the VPU(s).
  • An offer is generated for early/advance settlement.

3. Offer Acceptance & Assignment

  • Financial institution reviews financing offer.
  • If the offer is accepted, the VPU is assigned to the financial institution.
  • The buyer is able to extend the payment terms from 30 to 60 days.

4. Early Payment

  • The financier pays the supplier 100% of the invoice value minus fees and retentions.
  • The buyer is able to monitor funding activities and fees charged, no loansharking is permitted.

5. Final Settlement

  • On the due date (e.g., Day 60), the buyer pays the balance due to the financier.
  • Any retention held is paid to the supplier.

** No-cost integration is available to automate this.

The difference between Supply Chain Finance and Invoice Discounting

  • Supply Chain Finance
  • The Buyer invites suppliers to join a programme where they can get early payment through a bank
  • Buyer benefits by extending payment terms
  • Credit Risk is taken on strength of the Buyer’s financial strength
  • Primary security is the Promissory Note by the Buyer to pay the Financier on due date
  • The supplier can choose the invoices they want discounted at their own discretion
  • Invoice Discounting
  • The Supplier sells invoices to a Financier for early settlement, usually without the Buyer’s involvement
  • No benefit to the Buyer
  • Credit risk taken on the strength of the Supplier’s; rate could be very high for some small suppliers
  • Primary security is the invoice from the supplier and any collateral they can offer
  • The discount is usually given on a portfolio of invoices

Key Takeaway

Supply Chain Finance creates a win-win scenario where buyers can extend payment terms while suppliers access early payment at competitive rates based on the buyer’s creditworthiness. Invoice Discounting, while useful, operates independently and may carry higher costs for suppliers with weaker credit profiles.

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