We provide flexible, patient capital that helps high-potential SMMEs unlock working capital, manage cash flow, and grow with confidence.
We stand for growth for businesses the banks overlook. We exist for the businesses caught in the gap, too established for micro-finance, yet underserved by the banks.
Our funding is structured around how businesses generate and convert cash, assessed on contracts, customers and cash flow rather than collateral alone. We prioritise transactions where repayment is supported by identifiable cash flows.
Access cash tied up in unpaid invoices. Get paid up to 80% of the invoice value.
Learn more →Finance to fulfil confirmed purchase orders and deliver against contracts.
Learn more →Short-term funding to manage day-to-day operations and bridge cash flow gaps.
Learn more →Finance equipment, machinery and vehicles to improve productivity and scale operations.
Learn more →We assess opportunities quickly and move with urgency where there is a clear path to funding, responsive where the banks are slow.
We focus on businesses with proven customers, contracted revenue and clear visibility of cash flow, companies past the start-up phase and ready to execute on larger, revenue-generating contracts.
Each facility is structured to the deal, its contracts, counterparties and cash-flow cycle, not a fixed product template.
We work alongside borrowers through execution, with guidance and market connections that support delivery and repayment.
A simple, transparent process to get you the capital you need.
Tell us about your business, your contracts and what you need funding for. No lengthy paperwork to get started.
Our team reviews your business and the transaction quickly and fairly, looking at your customers and cash flow, not just collateral.
Once approved, funds are disbursed promptly, so you can get to work without delay.
We stay involved with practical guidance and support throughout the funding term, helping your business deliver and grow.
Whether you need purchase order finance, invoice discounting, working capital, or asset finance, Kago FS brings flexible capital and hands-on support.