Bellatrix SME Finance (Pty) Ltd is a Namibian registered and licensed financial service provider. We fund businesses holding orders, contracts or approved invoices from government, councils, state-owned enterprises and reputable private companies.
Partners we work with
Three ways to fund the work, side by side.
| Facility | Purchase Order Finance | Invoice Discounting | Green Credit Line Facility |
|---|---|---|---|
| Best for | Delivering on a purchase order or supply contract | Waiting on an approved invoice from a reputable debtor | Green and climate adaptation projects, from sustainable agriculture to renewable energy |
| You bring | The order or contract, company documents and supplier quotes | The issued invoice, proof of delivery and company documents | A business plan, company documents and KYC documents |
| Facility covers | Up to 100% of project costs, paid to your suppliers | Up to 90% of the invoice value, paid to you | Loans of N$20 000 to N$2 million, guarantees to N$2 million, equity up to N$6 million |
| Repayment | 60 days | Up to 60 days | Up to 6 years, with a 6 to 12 month grace period |
| Settled by | Your off-taker pays the project proceeds to Bellatrix; we deduct the facility and pay you the balance | Your debtor pays the full invoice to Bellatrix on the due date | Scheduled repayments |
| Minimum amount | None | None | N$20 000 |
| After funding | Business coaching and mentoring through BaseCamp, for every funded client | ||
Terms are indicative and confirmed on assessment of each application.
From application to disbursement, in four steps.
Complete the form and upload your order, contract or invoice with your company documents.
We verify the off-taker and the contract, then structure the facility around your delivery timeline.
Approved funds go to you or directly to your suppliers so work can start immediately.
Your off-taker pays, the facility is settled, and coaching continues beyond the deal.
Open a facility to see what it covers, what to prepare and where to start.
Bridging finance for MSMEs and start-ups holding a purchase order or supply contract, so you can buy materials, pay transport and labour, and deliver on time.
Apply for PO financeWe buy outstanding invoices at a discount or lend against your receivables, so you are not waiting 30 to 90 days for a reputable debtor to pay.
Apply for invoice discountingConcessional loans and equity financing for projects in sustainable agriculture, sustainable tourism, renewable energy, waste management, natural resource value chains, bush encroachment and green technology.
Apply for green financeEvery funded client gets access to business coaching and mentoring through our partner BaseCamp, so the business behind the contract keeps growing.
See the coaching programmeMilestones, events and news for Namibian MSMEs.
Meet the team, bring your purchase order and get a first assessment on the spot.
More than 1 500 loans disbursed to Namibian businesses supplying government, councils and corporates.
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Apply online in minutes, or call us on +264 61 256 521 to talk through your order or invoice first.
