Many businesses secure confirmed purchase orders, contracts, or invoices but often lack the working capital needed to fulfil them. Whether it is funding stock purchases, sourcing raw materials, paying labour costs, or covering delivery expenses, access to short-term finance can make the difference between winning and losing a valuable business opportunity.
At ZB Financial Holdings, we understand these challenges. That is why we offer the ZB Order Finance Facility, a practical working capital solution designed to help businesses execute confirmed orders and unlock growth opportunities.
“A confirmed order should not be lost simply because a business does not have enough upfront working capital. Access to finance enables businesses to grow, compete, and strengthen commercial relationships.”
What is the ZB Order Finance Facility?
The ZB Order Finance Facility is a short-term working capital solution that supports businesses with confirmed purchase orders, supply contracts, or invoices that require funding to execute them.
The facility is designed to provide funding against genuine and verifiable business opportunities, ensuring businesses can deliver successfully while repayment is linked to the proceeds from the financed transaction.
By helping businesses fulfil confirmed orders, the facility supports business growth, strengthens supply chains, and promotes broader economic development.
Who Can Benefit from the Facility?
The facility is available to clients with confirmed and verifiable orders from credible buyers. Eligible customer groups include:
- Informal traders with confirmed small orders.
- Micro SMEs with repeat contracts and basic financial records.
- Medium and large SMEs with strong track records.
- Contractors supplying institutions, corporates, and government-related entities.
- Distributors, wholesalers, and manufacturers.
- Existing ZB business clients.
- Selected new-to-bank clients who meet onboarding and credit requirements.
The facility caters to businesses of different sizes and sectors, ensuring that viable opportunities are not missed due to temporary cash flow constraints.
Why Order Finance Matters
Many businesses have the capability, expertise, and market opportunities to grow, but are limited by working capital shortages. Securing an order is only the beginning. Businesses often need financing to purchase stock, source raw materials, cover transport costs, or pay operational expenses before receiving payment from customers.
The ZB Order Finance Facility bridges this gap, helping businesses execute confirmed opportunities and build stronger relationships with their customers.
Key Benefits of the Facility
- Access short-term working capital against confirmed orders.
- Improve business cash flow management.
- Execute contracts and purchase orders on time.
- Increase revenue and business growth opportunities.
- Strengthen supplier and customer relationships.
- Participate more effectively in supply chains.
- Reduce missed opportunities caused by funding constraints.
What Can the Funds Be Used For?
Funding can be used for business expenses directly linked to fulfilling a confirmed order, including:
- Purchase of stock.
- Raw materials procurement.
- Delivery and logistics expenses.
- Labour costs.
- Order execution costs.
- Other approved working capital requirements.
Security and Risk Management
Depending on the transaction, security may include confirmed orders, invoices, buyer confirmations, supplier verification, cession of proceeds, directors' guarantees, insurance, collateral security, buyer undertakings, and other controls.
To ensure proper utilisation of funds, ZB may implement direct supplier payments, controlled disbursements, transaction monitoring, and cession of proceeds arrangements.
The indicative facility tenor ranges from 30 to 90 days, depending on the approved deal structure and order cycle.
How to Apply
Step 1: Secure a Confirmed Order
Obtain a genuine purchase order, supply contract, or invoice from a credible buyer.
Step 2: Visit Your Nearest ZB Service Centre
Submit your application together with the required supporting documentation.
Step 3: Credit Assessment
The Service Centre prepares a credit proposal, which is reviewed by the Credit Unit.
Step 4: Approval
The facility is approved in line with delegated lending authority limits.
Step 5: Access Funding
Funds are disbursed through approved transaction controls to support the successful execution of the order.
Frequently Asked Questions
What kind of orders qualify?
Orders, contracts, or invoices must be genuine, confirmed, verifiable, and issued by a credible buyer.
What is the repayment period?
The indicative tenor is between 30 and 90 days, depending on the transaction structure.
Can new-to-bank clients apply?
Yes. Selected new-to-bank clients may qualify, subject to onboarding and credit requirements.
