BudgetFLOW discounts invoices from suppliers and contractors, and finances large purchase orders — so your cash flow stops depending on somebody else's payment run.
Over ₦300 million disbursed to African suppliers and contractors.
Suppliers to anchors across
Submit an invoice your customer has already approved. We pay you its face value minus a transparent discount, then the customer settles with us on your original terms.
Purchase order finance covers the supplier costs up front so you can take on larger contracts without draining working capital or turning work away.
Connect the finance stack you already run, including specialist construction ERPs.
Credit risk sits with us, not with you. We assess the buyer who owes the money, so your books stay clean and your relationship stays simple.
Approve, track and settle from one dashboard — no spreadsheets, no chasing payment runs.
Move the sliders to see the cash you'd receive and the fee you'd pay. Figures are indicative and confirmed once we verify the invoice with your customer.
Illustrative figures. The final discount is confirmed in writing after we verify the invoice with your customer.
“We used to wait 65 days for the main contractor to clear us. BudgetFLOW paid the invoice in 48 hours and the customer settled on the original date. Nothing about our contract changed.”
No new software to learn and no change to your contracts. Most suppliers get their first quote within 24 hours of submitting documents.
BudgetFLOW reconciles against your accounting software, including the ERPs that construction and energy teams actually run.
You sell us an invoice your customer has approved, at a small discount to its face value. We pay you the rest immediately, in your local currency. When the customer settles the invoice on its original due date, it pays us instead of you. Your contract, terms and pricing with the buyer never change.
BudgetFLOW pays you, usually within 48 hours of verification and approval. The customer's payment goes to us on the original due date. You are not left chasing a payment run or waiting to see whether you made the cut.
Credit risk on the customer sits with BudgetFLOW, not with you. We underwrite the buyer who owes the money before we fund anything.
The discount is a flat fee based on the invoice value, how many days remain until the customer's due date, and the customer's credit profile. It is quoted up front and confirmed in writing before you accept. Our calculator gives an indicative figure instantly.
Yes. Purchase order finance funds the supplier and input costs you need to deliver against a confirmed PO, so a large contract doesn't have to drain your working capital. Repayment is settled from the invoice your customer pays once delivery is accepted.
Nothing. There is no onboarding fee, no subscription and no minimum volume. You only pay a discount when you choose to fund an invoice or a purchase order, and every quote is issued before you commit.
Book a call and we'll price your invoices within one business day. No onboarding fee, no obligation.
Terms apply. Funding is subject to customer verification and approval.