Working Capital
Advantage™
Get paid earlier. Pay later. Always have stock. Release trapped cash.
Value is often created long before cash arrives. Working Capital Advantage™ addresses that timing gap through verified trade, accepted invoices and eligible inventory.
FINANCE THE GAP BETWEEN PERFORMANCE AND PAYMENT.
Release cash at every
point in the trade cycle.
Choose the solution that addresses where your business has capital tied up.
Get Paid Earlier
Turn confirmed, accepted invoices into earlier cash rather than waiting for the buyer’s payment date.
Calculate early payment ↗ 02 / ANCHOR BUYERSPay Later
Have participating suppliers paid on acceptance while maintaining, or requesting an extension to, your payment terms.
Calculate your programme ↗ 03 / INVENTORYAlways Have Stock
TFSEG purchases and holds eligible inventory. Draw down the stock as your business needs it.
Calculate stock funding ↗ 04 / EXISTING STOCKSale & Buyback™
Explore releasing cash from eligible stock you already own, with progressive buyback as it sells or is consumed.
Calculate cash release ↗Verified performance.
Purposeful capital.
Different solutions address different points in the cycle, with transaction-specific verification, ownership and settlement arrangements.
Identify
Establish the invoice, supplier programme, stock requirement or existing inventory.
Verify
Confirm eligible goods, performance, ownership, value and relevant counterparties.
Structure
Agree the purchase, funding, holding, payment or buyback arrangement.
Release
Pay the supplier or release cash or inventory according to the agreed transaction.
Settle
Collect payment or complete drawdowns and buybacks so capital can be redeployed.
See what your capital
could do.
Select a solution and adjust the figures. All four calculators use Kenyan shillings and show indicative results.
Cash on acceptance — not on your buyer’s calendar.
Estimate your early payment and compare the annual contribution supported by faster trading cycles.
Your accepted invoice
What faster cash could mean
Indicative payment against a confirmed, accepted invoice.
Trading-cycle comparison
| Measure | Today | With TFSEG |
|---|---|---|
| Cycles / year | — | — |
| Supported sales | — | — |
| Contribution earned | — | — |
| Early-payment cost | — | — |
| Contribution retained | — | — |
Your suppliers are paid today. You pay on your agreed day.
Estimate the participating supplier spend, programme rebate and effect of requesting extra payment days.
Your supplier programme
Based on the nominated suppliers’ participating spend.
Own the production. We’ll own the inventory.
Explore a stockholding programme where TFSEG purchases eligible goods and you pay progressively as stock is drawn.
The stock you need
Stock value less your credited margin deposit.
Illustrative drawdown schedule
| Month | Quantity released | You pay | Still held |
|---|
Turn the stock you already own into cash.
Estimate a cash release against verified, eligible inventory and a progressive buyback schedule.
Your existing stock
Subject to stock eligibility, ownership and independent verification.
Illustrative buyback schedule
| Month | You buy back | Stock value still with TFSEG |
|---|
All results are illustrative, not quotations or commitments. Actual eligibility, pricing, funding, documentation, risk transfer and accounting treatment depend on the agreed transaction. Programme assumptions reflect the supplied calculator workbook and are not live market rates.
Working capital for
the people moving trade.
Suppliers
Access earlier payment against confirmed, accepted invoices.
Manufacturers
Keep raw materials and packaging available as production needs them.
Retailers & Distributors
Support supply continuity and explore cash release from stock.
Traders & Importers
Address the cash gap between purchasing goods and buyer settlement.
Farmers & Aggregators
Explore payment following delivery and quality acceptance.
Funding Partners
Discuss participation in documented, ring-fenced trade programmes.
One trade engine.
Different funding structures.
Where appropriate, transactions may be structured through conventional funding or the Amanah Barakah™ Sharia-compliant window, subject to the applicable contracts and governance approvals.
Trade-linked funding
Transaction-specific structures involving eligible receivables, supply-chain arrangements or inventory.
Asset-backed trade
Purchase and ownership of eligible goods before onward supply, under applicable contracts and independent Sharia oversight.