Bright On Capital

If you own a small or emerging business and your prospects for growth are sustainable, Bright On Capital has the financing solutions you need. Operating as an online lender, they can provide you with critical working capital solutions.

At Bright On Capital, the past doesn’t matter

While many major lenders focus on your financial history, Bright On Capital casts its focus on the future. They’re committed to growth and look at your most recent financial records as well as your business's potential.

When banks reject your credit applications, Bright On Capital’s business model can give you the funding you need.

Bright On Capital - grow your business

They’re dedicated to understanding your business and its potential. Often small businesses lose out on deals because of a lack of funding. Bright On Capital’s financial solutions aim to change the way that funding is granted.

Like many major lenders in the industry, Bright On Capital has a system of values that expresses its high level of integrity.

What Bright On Capital promises to deliver

• Simplicity – Access to online transacting 24/7 and they offer a paperless service.
• Speed – Pre-approval takes less than 48 hours and approved loans are available within 4 hours.
• Flexibility – You decide what you need and when.
• Transparency – There are no hidden costs or fees and every transaction is clear and concise.
• Affordability – Business solutions are tailored to your business's unique needs.

A strong focus on your business needs

Bright On Capital has changed the way traditional business funding works by understanding how small businesses operate. They focus on specific aspects like the products and services offered, your business's abilities, and operating potential, as well as your cash flow.

Bright On Capital strives to outshine its competitors with unequalled customer satisfaction and outstanding service delivery.

Their passion is to see you prosper. They go above and beyond to recognise potential and build on it. Bright On Capital has a range of business financing solutions for growing your business.

Invoice finance from Bright On Capital

This facility enables you to take care of urgent financial obligations like payroll, rent, or financial assistance on a new project. They’re able to provide you with 80% of the total value awaited on an invoice. When the loan is approved you can access the funding within 4 hours and only repay the loan when your invoice amount is paid by the client.

Bright On Capital’s purchase order finance

Supplying/Delivering purchase order finance – If you need funding for the purchase of completed goods, ensure delivery is made in full and on time.

Bright On Capital can assist with up to 70% of the total invoice amount of your purchase order which can be accessed within 24 hours of pre-approval. You’ll repay the loan only once your client settles the invoice.

Manufacturing/Assembly purchase order finance

This loan will enable you to purchase items needed for the manufacturing/assembly of goods on order by a client. An amount of up to 70% of the total invoice can be accessed and is available within 24 hours of pre-approval. This loan too is payable once your client settles the invoice.

Contract finance of up to 50%

With this finance option you can enjoy up to 50% of the expected profits on a contract upfront. This can enable you to pay for anything related to your project. You’ll repay this funding over the first part of your term with a maximum term of 7 months. Bright On Capital will also allow you to re-advance the contract finance loan when 50% of the loan amount has been repaid.