What is New Smartfin B2B Phygital Funding?

New Smartfin is a registered credit provider facilitating specialised alternative working capital and purchase order financing for South African SMEs.

Transparent B2B Dossier Vetting Rates

Flat-rate operational costs covering technical verification, data packaging, and commercial compliance tracking.

NCR Utility Tier

Enterprise Vetting Track

From R150/ per submission

One-time upfront administrative cost calculated exclusively based on the target purchase order dossier value.

Automated real-time CIPC, SARS & CSD profile cross-checks

Purchase order workflow ingestion & secure internal validation tracking

Full operational visibility across the 7-Gate verification matrix

Secure document upload vaults with cryptographic signature protection

Dedicated South African email verification desk access

Fully transparent fee structures with zero recurring subscription charges

Administrative Vetting Cost Calculator

Determine your exact one-time flat corporate validation cost tier instantly before processing.

Purchase Order Face Value (ZAR)

Gate 7 · Pay-by-Bank Vetting Tiers

The platform collects the one-time vetting fee at Gate 7. Lending is presented upon committee approval once New Smartfin presents the purchase order pack to the committee.

Up to R50kR150

R50k – R100kR350

R100k – R250kR750

R250k – R500kR1,500

R500k – R1MR2,500

R1M – R2.5MR4,000

Above R2.5MR6,000

Regulatory Status Notice: New Smartfin™ operates as an alternative finance infrastructure platform and an independent registered credit provider under the National Credit Regulator (Registration Number: NCRCP20242). Reference to statutory bodies and frameworks is maintained for objective regulatory mapping, anti-fraud evaluation, and FICA/POPIA transparency; all corporate logos, registers, and trademarks remain the property of their respective owners. The Pay-by-Bank payment rail for collecting flat-rate enterprise application vetting and portfolio preparation fees at Gate 7 is planned and currently in development — provider to be confirmed. Until the open-banking payment rails integration is completed, vetting fees are collected via offline banking channels. All secondary capital matching frameworks, corporate treasury workflows, and institutional allocations are completely bypassed to offline banking networks.