Loan Management System · Order Finance

Finance purchase orders and invoices, settle when buyers pay

Give businesses working capital against confirmed orders and invoices. Manage facilities, advances and settlement in one place.

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Launch in daysPre-built lending logic lets you move straight to production, without long engineering cycles.
Easily customisableAdjust interest rates, fees, risk rules and approval steps from a simple editor.
Seamless integrationsConnect credit bureaus, identity checks and payment providers without patchwork middleware.
Built for complianceEvery product is set up with good regulatory practice in mind, so you can focus on growing.

See it with sample data

A look at the order finance screens your team would use. The names and figures are made up for illustration.

Credit Watch · Trade facilitySample data
Facility limitK 2,000,000
UtilisedK 1,240,00062%
AvailableK 760,000
Invoices due this month7

Facility utilisation

62%Used

K 760,000 still available to draw

Life of an order

  1. Purchase order verifiedBuyer confirms the order
  2. Advance paid80% paid to the supplier
  3. Goods deliveredProof of delivery received

Open orders and invoices

ReferenceBuyerAdvanceStatus
PO-1042Zamwheat LtdK 304,000Funded
INV-2210Kafue FoodsK 176,000Funded
PO-1047Lusaka RetailK 420,000Awaiting delivery
INV-2218Copperbelt Mining SuppliesK 340,000Pending approval

Trade finance without the paperwork

Facilities, invoices and advances, tracked against each other.

FacilitiesSet a limit per client and see how much is used and what is left.
Invoices and ordersSubmit purchase orders and invoices against a facility.
AdvancesPay an agreed percentage up front, and track it until the buyer pays.
Fees and pricingCharge per period or per advance, set per facility.
Through the APISubmit invoices and request drawdowns from your own system.
Exposure reportingSee utilisation by client, buyer and due date.

Review an advance in one view

The order, the buyer, the facility headroom and the fee are in front of the approver before they release funds.

  • Facility headroom shown
  • Buyer and order details
  • Fee calculated up front
Credit Watch · Approval · PO-1047Sample data
LLusaka Retail (buyer)Advance, 80%Step 1 of 2: Trade desk
AmountK 420,000
Term30 days
ReferencePO-1047
  • Order confirmed by buyer
  • Within facility limit (K 760,000 left)
  • Supplier verified
  • Proof of delivery awaited
CommentLooks in order. Approving subject to the outstanding item.
ApproveAsk for informationReject

From order to settlement

One clear path, the same every time.

VerifyConfirm the order or invoice with the buyer.
AdvancePay the supplier an agreed percentage.
DeliverGoods are delivered and proof is recorded.
CollectThe buyer pays on the due date.
SettleAdvance and fees are settled, and the rest is released.

Control the risk

Know what is outstanding, with whom and until when.

Limits by clientNo draw beyond the facility.

ApprovalsLarger advances need a second approver.

Due-date trackingSee what is coming due this week.

Document recordsOrders and proof of delivery stay on the file.

Audit trailEvery advance and settlement is recorded.

Ledger postingMovements post to the accounts as they happen.

Frequently asked questions

Short answers to what lenders ask us about order finance.

1How does order finance work?

You give a client a facility with a limit. When they have a confirmed purchase order or invoice, you advance an agreed percentage, track it, and settle when the buyer pays.

2Can I control how much a client can draw?

Yes. Facilities have limits, you can see how much is used and available, and larger advances can require a second approver.

3Can clients submit invoices themselves?

Yes. Invoices and drawdown requests can be submitted through the API from your own system or your client's.

4Can I explore Order Finance before committing?

Yes. You can start free, with no payment details needed to begin, and try it with your own products and settings. Our team can also set up a working example with you.

5How is customer information kept secure?

All traffic uses HTTPS, passwords are stored as one-way hashes, and people see only what their role allows. Every action is recorded in an audit log, and each company's data is kept apart from everyone else's. Card and mobile-money payments are handled by the payment providers you connect, and the platform records the references.

6Which industries and lenders is it built for?

Banks, microfinance institutions, SACCOs and credit unions, fintechs, buy now pay later providers, auto and asset lenders, and enterprises that lend to customers, staff or suppliers.

Get started with Order Finance

See how Credit Watch can run this for you. Start free, and our team will help you go live in days.

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