Buy Now,
Pay Later

Bright On Capital can provide your small business with a credit facility that enables you to buy from our Merchant Partners now, and only pay us back once you have completed your job/order and have been paid by your customer.

Bright On Capital Is An Authorised Financial Services Provider And Registered Credit Provider (NCRP7586)

ACCESS UP TO R2,5 MILLION IN CREDIT

UP TO
90-DAYS
TO PAY

AFFORDABLE MONTHLY INTEREST RATES

Zero additional fees payable

Boost your Business

  • Access credit between R20 000 and R2,5 million * against a purchase order (PO) issued by your corporate, government or other public sector customer.
  • You have up to 90-days to pay back the funds from the day of purchase, depending on when your customer pays you.
  • Bright On Capital can fund up to 80% of the value of your purchase. You or your merchant are required to contribute/fund a minimum of 20% of the purchase value upfront.
  • Get same-day approval#

* Credit facilities of up to R2,5 million available, subject to payment of relevant debtor invoice(s) into your business Bright On Capital administered Nedbank clearing (escrow) account

#Terms and conditions apply

APPLY NOW REQUEST A CALL

Basic Documentation Requirements

We only require you to provide us with basic information:

  • 6-month business bank statement(s)
  • Copy of the current PO, and a copy of the last PO issued by your customer
  • Tax clearance reference pin
  • Your customer contact details

No AFS or management accounts required

APPLY NOW ASK US FOR HELP

Easy Online Application Process

  1. Request a quote online
  2. Complete an online credit form
  3. Receive credit approval in less than 1 business day
  4. Complete FICA online
  5. Sign online credit agreements
  6. Pay your 20% minimum contribution
  7. Use your merchant credit facility to pay for the remainder of your goods

Make future purchases using your merchant credit facility in less than 4 hours

APPLY NOW

DOES YOUR BUSINESS QUALIFY

We provide credit to small businesses that in the past 12-months have:

Generated turnover of at least R250k

Made at least 1 purchases with our Merchant Partner

Completed at least 1 previous PO with the issuing debtor

The purchase to be funded relates to a PO of at least R40k (incl. of VAT) in value.

Apply Now

REFER A MERCHANT

Enjoy credit at your preferred suppliers

Refer your key suppliers to become a Merchant Partner

Refer Now
TERMS & CONDITIONS
  • Your business is required to establish a Nedbank creditors clearing account with Bright On Capital, into which our funding and your contribution will be advanced and from which your purchase(s) shall be funded
  • The clearing account will be in your business’ name and administered by Bright On Capital, but you shall have 24/7 viewing rights
  • The clearing account offers you the ability to easily reconcile your contribution and the purchase(s) for your accounting records

OUR FUNDING PARTNERS

Bright On Capital is an online lender that provides a range of affordable working capital funding solutions to small and emerging businesses with sustainable growth prospects.

Bright On Capital is an Authorised Financial Services Provider and a Registered Credit Provider (NCRP7586).

22 Sloane Street, Bryanston, Sandton, 2191 South Africa

+27 (11) 568 1811

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