SME funding, simplified.
Connecting SMEs, corporate buyers, and banking partners through a secure digital procurement finance network — from Performance Guarantee to Invoice Discounting.
Active funding
R 4,250,000
Avg. funding time
Under 48 hrs
Invoice status
the platform
Procurement liquidity, built for Africa.
Momula bridges the gap between buyer payment terms and supplier cash flow needs through a three-party digital network.
For SMEs
Fund your performance guarantee at tender award, mobilise with PO Funding, then accelerate cash flow through Invoice Discounting — one continuous lifecycle.
For buyers
Extend payment terms without disrupting your supplier relationships or supply chain.
For banks
Deploy capital via a controlled, dual-authorisation infrastructure with full audit visibility.
transparent pricing
Transparent Pricing. Funding That Moves Your Business Forward.
No hidden fees. No monthly charges. Know exactly what you will receive before you apply.
Performance Guarantee
Fund your guarantee at tender award stage.
Flat Fee Rates
6%
Up to 30 Days
8%
31–60 Days
10%
61–90 Days
Purchase Order Funding
Fund supplier and fulfilment costs against approved POs.
Flat Fee Rates
7%
Up to 30 Days
9%
31–60 Days
11%
61–90 Days
Invoice Discounting
Unlock cash tied up in approved invoices.
Flat Fee Rates
6%
Up to 30 Days
8%
31–60 Days
10%
61–90 Days
Three products. One lifecycle. All rates are flat, transparent, and agreed upfront — no compounding, no surprises.
the process
How it works
A complete funding lifecycle — from tender award to final settlement.
Performance Guarantee
Apply at tender award stage — Momula funds your performance guarantee so you can mobilise on site.
Purchase Order Funding
Once on site, fund materials and supplier costs against the buyer's approved purchase order.
Invoice Discounting
Submit approved invoices and unlock cash before your buyer's payment terms expire.
Settlement & Close
Buyer settles directly into the MOMULA escrow account. Your facility is closed and the cycle completes.
under the hood
Platform architecture
Built on enterprise-grade technology — select any layer to learn more.
why momula
Infrastructure-grade controls
Built for regulated finance.
Risk controlled
Multi-layer risk assessment with buyer validation, AVS banking checks, and institutional oversight at every step.
Dual authorisation
Bank co-release model requiring two independent approvers before any funds are disbursed.
Immutable audit trail
Every transaction event is cryptographically hashed and logged — tamper-proof by design.
Institutional banking
Direct integration with banking infrastructure for secure, compliant fund movement.
500+
SMEs supported
R 2.5B
Invoices funded
< 48hrs
Funding velocity
99.9%
Platform uptime
Frequently Asked Questions
Everything you need to know about MOMULA
For SMEs
For Buyers
For Banks
Platform & Security
Still have questions?
Our team is here to help you understand how MOMULA can transform your business.
Contact Our TeamReady to unlock your working capital?
Join hundreds of South African SMEs already using Momula to fund their growth.