About MoneyWorks

MoneyWorks is a Digital Supply Chain Finance Platform developed to address the access to finance challenge faced by most SMEs. The platform enables large and medium sized corporates and public sector institutions to have an early payment programme for the benefit of SMEs in their supply chain. The solution provides SMEs access to invoice financing on the back of their buyer’s credit record thus reducing the late payment and cash flow shortage risk faced by most SMEs.

With the increased focus on SME development to spur on economic growth and transformation, Enterprise and Supplier development (ESD) programmes are becoming powerful mechanisms for change in South Africa. ESD in principle, is a solution that is unparalleled in its ability to elevate and empower black-owned small businesses in South Africa.

However, despite the significant spend on ESD, a vast majority of suppliers experience continuous cash flow constraints due to late payments from corporates and public sector resulting in an 82% small business failure due to lack of cashflow.

Key traditional instruments used by funders to assess SME lending risk, namely credit records and collateral, represent a major hindrance to SMEs securing funding. To close the credit gap, alternate funding models like the MoneyWorks early payment programme are designed specifically for this target market and enable a more accurate assessment of the risks and most importantly access to funding.

Targeted beneficiaries of our early payment programmes


MoneyWorks aims to assist in the creation of an inclusive developing economy by providing a digital platform which assists growing businesses, who are part of a supply chain for large corporates, national and regional government departments, to better manage their working capital.

MoneyWorks appreciates the access to finance challenges that are faced by SMEs owned and operated by black people and women in particular, as a result preferential rates have been put in place for these businesses. Holistically MoneyWorks is targeted at sustainable businesses that meet the following criteria:

SMEs with an Annual Turnover of less than R100 million

Businesses that have achieved level 4 BBBEE

Businesses that are part of the Supply Chain Management or ESD of large corporates.