USKO IN ACTION
Built for hustle.
Engineered for legends.
Purchase Order Funding
Short version:
You've landed a big order (nice one), but you don't have the cash to buy the stock or materials to deliver it. That's where we step in. We pay your supplier upfront, so you can fulfill the order and get paid, without using your own pocket.
Use it for:
- • Buying raw materials
- • Ordering bulk stock
- • Paying manufacturers or suppliers before delivery
EXAMPLE:
Sipho's Stationery Supplies gets a R100,000 order from a big company to provide office stationery (paper, ink, etc). But Sipho needs R70,000 upfront to buy stationery from his various suppliers. Usko fronts the R70,000 directly to Sipho's suppliers.
Sipho delivers the stationery. The client pays Sipho R100,000 (into a ring-fenced account). Usko recovers the R70,000 capital and takes a split of the margin (in this instance 30% of R30,000 = R9,000). He keeps the rest as profit (in this case R21,000).
Sipho fulfills the order.
No upfront cost.
Still walks away with cash in hand.
Invoice
Purchasing
Short version:
You've done the job. You've sent the invoice. But your client says, "Payment in 60 days." Meanwhile, you've got bills to pay now. Usko buys that invoice from you and gives you most of the money upfront, so you don't wait forever.
Use it for:
- • Freeing up cash stuck in unpaid invoices
- • Keeping operations running between payments
- • Paying staff, fuel, or suppliers without stress
EXAMPLE:
Zanele's Logistics did a delivery job for a retailer worth R80,000. She sent the invoice, but payment terms are 60 days.
Zanele applies for Invoice Purchasing with Usko. We review the invoice and advance her 85% right away — that's R68,000. When the client pays in full 60 days later, we collect the R80,000. We deduct our fee (say R4,000) and send Zanele the remaining R8,000.
Zanele gets R68,000 cash now.
Keeps the business running.
No stress waiting for slow corporate payments.
Revolving Credit Facility
When orders keep rolling, you don't need once-off funding — you need flexible fuel. Usko's Revolving Credit Facility is a reusable line of credit linked to your trading history. Draw down up to 50% of your order cost, deliver, get paid, then repay — and your limit unlocks again for the next deal.
Use it for:
- •Freeing up cash stuck in unpaid invoices
- •Keeping operations running between payments
- •Paying staff, fuel, or suppliers without stress
How it works:
- 1.We assess your sales and approve a revolving limit.
- 2.You draw only what you need per order (up to 50%).
- 3.You deliver, get paid, and repay.
- 4.Your available credit resets automatically.
EXAMPLE:
Thabo's Tech has consistent sales. Usko approves R100,000. He gets a R60,000 order and draws R30,000 (50%) to buy stock. He delivers, gets paid, repays the R30,000 — and that amount is available again for the next order.
WHY IT BANGS:
- Access working capital without reapplying.
- Only pay for what you use, when you use it.
- Built for rhythm-of-trade businesses.
Early Payout Advance
You're moving units, customers are happy, but your payout is days away. Meanwhile, shelves are gathering dust and suppliers want payment. With Usko Early Payouts, we front you up to 100% of your next marketplace payout (e.g., Takealot) so you can restock, reload, and keep selling — without waiting for payday. When the payout run hits, we auto-deduct. No chasing. No admin. No sweat.
Use it for:
- • Topping up fast-moving SKUs before they sell out
- • Grabbing supplier discounts while they're hot
- • Keeping sales momentum through payout lags
- • Managing cash flow without tapping savings
How it works:
- 1.We verify your next payout amount.
- 2.We advance a portion (up to 100%).
- 3.You restock and keep sales humming.
- 4.On payout day, we auto-settle the advance.
EXAMPLE:
Ayanda's Baby Goods is almost out of nappies, but her payout lands next week. Usko advances R40,000 against that payout. She restocks today, keeps selling, and when the marketplace pays out, Usko auto-deducts the R40,000.
WHY IT BANGS:
- Instant liquidity from future payouts
- Zero friction — automated settlement
- Perfect for e-commerce sellers who can't afford stockouts