About Kago FS

Empowering the future of South African enterprise.

Kago Finance Solutions is a South African business funder providing structured, short-term funding to small and medium-sized enterprises.

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.

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Kago FS cash flow support panel showing an SME founder at work
How We Work

We fund around real commercial activity, not generic lending templates.

Kago Finance Solutions structures short-term funding around the quality of the transaction, the strength of the customer, and the visibility of repayment cash flows.

That approach helps us support SMEs with practical capital solutions that are responsive, disciplined, and aligned to how their businesses actually operate.

Inclusive Growth

We deploy capital to catalyze inclusive economic growth and support under-served entrepreneurs.

Missing Middle

Our mandate is built around the funding gap faced by businesses that need more than microfinance but do not fit bank credit boxes.

Patient Capital

We structure flexible capital solutions that align with real operating needs, milestones, and growth plans.

Long-Term Partnership

We are not just a funder. We stay close to the business through execution, support, and accountability.

Institutional Standards

Strong governance, credit discipline, and transparent reporting support sustainable portfolio performance.

What We Do

Four funding solutions, matched to where your business needs capital most.

Kago Finance Solutions provides practical short-term funding designed around where cash pressure shows up first in a growing business.

Invoice Discounting

Turn unpaid invoices into immediate cash. We advance funds against work you have already invoiced, so you do not wait 30, 60 or 90 days to be paid.

Purchase Order Finance

Won a contract that is bigger than your cash reserves? We pay your suppliers directly against a confirmed purchase order, so you can deliver with confidence.

Working Capital Finance

Flexible short-term funding for stock, payroll and day-to-day operating costs, keeping your business moving between payments.

Asset Finance

Funding for the vehicles, plant and equipment your business needs to deliver and grow, with predictable repayments secured by the asset itself.

Unlock cash flow Take on bigger contracts Keep operations moving Grow sustainably