Your dreams are far too
important to let money stop you.
Your dreams are far too important to let money stop you.
We enable growth by providing innovative working capital solutions to growing Small, Medium and Micro Enterprises (SMME’s) who are unable to obtain traditional commercial banking facilities.

Can we help you?
Are you the owner of a small, medium or micro-enterprise (SMME)?
SMME’s are the backbone of our economy and are key to meaningful job creation. But, as you might know by now, in South Africa, access to viable sources of business finance is a major stumbling block for SMME’s. Traditional finance providers like banks make it almost impossible for SMME’s to obtain debt funding.
We provide funding and business support services to SMME’s In South Africa. The X Quotient’s enterprise development model focusses on fixing your cash flow, we will pay your suppliers on your behalf to help you deliver in line with requirements. Beyond just providing capital funding, we continue to support our existing Clients through each transaction lifecycle with active mentoring interventions aimed at helping them become sustainable businesses with the potential to grow and become enterprises able to create jobs that contribute to wider financial inclusion in South Africa. In short, we are here to help you make a financial success of your business.
we provide funding to:


New Businesses
Start-up businesses, newly formed small, medium or micro-enterprises (SMME’s) who have transactions with reputable counterparties.


Small Businesses
Businesses without the balance sheet, business history or collateral required to qualify for funding by traditional banks and/or financial institutions.


Established Businesses
Established businesses intent on growth or expansion but lacking working capital to execute orders from reputable institutions.
How can we assist you?



Provision of Finance
1. Purchase Order Funding: To procure and deliver goods ordered by a Customer.
2. Invoice Discounting: To bridge the working capital gap between delivery of goods and receipt of payment.
Sourcing of goods
Sourcing of goods from reputable suppliers at the
best terms and competitive prices.






supplier conformance
Specification confirmation and
ensuring supplier conformance.
On-time delivery
Stress-free solution that helps
you deliver your goods on time, as promised.






getting paid
Accurate invoicing and documentation submission to
ensure a smooth reimbursement process.
How can we assist you?
Provision of Finance



1. Purchase Order Funding: To procure and deliver goods ordered by a Customer.
2. Invoice Discounting: To bridge the working capital gap between delivery of goods and receipt of payment.
Sourcing of Goods



Sourcing of goods from reputable suppliers at the best terms and competitive prices.
supplier conformance



Specification confirmation and ensuring supplier conformance.
on-time delivery



Specification confirmation and ensuring supplier conformance.
Getting Paid



Accurate invoicing and documentation submission to ensure a smooth reimbursement process.
Our Promise to you


simple & fast
Online application.
No traveling needed.
Anywhere in South Africa.
No paperwork: online signature.
Pre-approval in 24 hours.
Payout and delivery in 7 working days.


flexible
Finance only the transactions you need help with.
Cash advance for urgent expenses.
No prior trading history required.
No minimum turnover required.


transparent
All fees disclosed and explained upfront.
24 hour online viewing access to the regulated account.


affordable
We evaluate every transaction and ensure that we base our fees on the profit in the transaction.
Put some money back in your pocket with our referral program.


secure
Secure Transactions.
Backed by the latest technology enabling supplier, delivery and payment risk management.
What our clients think!
Some FAQ’s
What do I need to get financed?
Your company needs to be in possession of either an official government, parastatal or multi-national companies’ purchase order!
Do you finance start-up costs for new businesses?
No, unfortunately not
Are loans paid out into my bank account?
No – We pay your suppliers directly.
Is there anything you do not finance?
Construction, maintenance and renovations, service contracts, fuel, coal and other mining commodities, and fresh foods.
How long does it take from application to disbursement of loans?
Approximately 7 to 10 business days, if everything goes according to plan.
When do I get my profit share?
As soon as your clients settles your invoice for the goods delivered.
When do I get my profit share?
As soon as your Customer settles your invoice for the goods delivered.
What are the smallest and largest amounts you finance?
The minimum loan amount is R100,000, but this is subject to NCR rules. We will discuss this with you during the application process.
Do you require any collateral / security?
As security for the repayment of our loans, we require the establishment, by the Client, of a regulated bank account which shall be under the sole administration of The X Quotient.
May I refer friends to you?
Yes PLEASE!, become part of our family, and we will even pay you some commission if the transaction is successful. We believe that sharing is caring.
How does the cash advance work?
If there is enough profit in your transaction, we will give you a cash amount to cover your other urgent expenses as soon as the goods have been delivered and the invoice has been captured on your clients system.



lead provider
Want to refer a friend? You can become a Lead Provider and start earning! The X Quotient does more than just provide finance, we are proud of the strong relationships we build with our Clients. Sharing is caring! If you recommend us to your friends and they, in turn, become Clients of The X Quotient, we will reward you.
So, if you believe – like us – that sharing is caring, become a Lead Provider and earn commission while helping us to spread the love!
Step 1: Refer a Friend
Complete the form and send the link to your colleague.
Step 2: Get Paid
Once the transaction is successfully completed (repaid) you get paid.
Step 3 : Keep Earning
You keep earning commission on all the Client’s transactions, not only the first.