OUR FOUNDER
New Smartfin™ — Order Financing Made Smart
B2B Phygital Funding · Credit Provider · NCRCP20242
Charles Muedi
Founder & CEO
The Mission
Turning verified purchase orders into fundable dossiers for South African SMEs
New Smartfin™ is a B2B phygital funding platform that gives small and medium enterprises access to working capital secured against verified government and corporate purchase orders. A supplier wins a tender, the platform verifies the order, vets the supplier, perfects the cession, and prepares a compliant funding dossier — so finance can be raised against the order itself rather than the supplier's balance sheet.
Every document, gate transition, and approval is logged and timestamped through an 7-Gate verification framework, ensuring a transparent, auditable path from tender award to settlement. The platform operates as a registered credit provider under NCRCP20242.
Academic Qualifications
Formal education in accounting, risk & governance
Master of Commerce
Mancosa — Management College of Southern Africa
PG Diploma in Risk Management
Mancosa — Corporate Governance, Risk Modelling & Auditing
Bachelor of Commerce in Accounting
University of Venda — Financial Accounting, Management Accounting & Taxation
Certificate in Core Banking & Financial Services
Cornerstone Institute — Banking & Financial Services
Professional Experience — 10+ Years
Credit Risk · Recoveries · Governance
Manager, Governance, Reporting & Post Write-Off
Post write-off portfolio management, policy review, regulatory & MI reporting, recovery strategy governance.
Manager, Business Support, Rescue & Recoveries
End-to-end remedial management of distressed exposures — business rescue, liquidations, credit rehabilitation & impairment minimisation.
Account Analyst, Entrepreneur & Business
Credit analysis, securities documentation, balance sheet assessment and non-scored credit applications for SME & lifestyle segments.
Industry Recognition — Banking Excellence, 2018
Phygital & compliant, by design
The platform replaces paper-heavy, manual vetting with a phygital, auditable workflow. Every document, gate transition, and approval is logged and timestamped, so a supplier, a funder, and a buyer all see the same compliant file move forward — ensuring smooth delivery of the tender from award to settlement.
The 7-Gate Verification Framework
The compliant pipeline that turns a verified PO into a fundable dossier.
GATE 1
Order Confirmation
Buyer verifies the purchase order
GATE 2
Regulatory Status
NCR & FSP license confirmed
GATE 3
Supplier Onboarding
CIPC, FICA & PO validation
GATE 4
Perfected Cession
Irrevocable cession of proceeds
GATE 5
CSD Escrow
Central Supplier Database match
GATE 6
Agreements
Loan & pre-agreement quotes signed
GATE 7
PayByBank
Vetting fee settled via PayByBank
Contact the office
Reach out for supplier onboarding, compliance queries, or platform support.