Pay supplier invoices with pay-as-you-trade financingRunning a business means managing cash flow and keeping shelves stocked. But when cash flow’s tied up, Zapper Supplier Capital offers fast funding to pay supplier invoices and keep you trading without a hitch.Enquire nowEnquire nowDesigned forSouth AfricanmerchantsWhether you need to stock up for a large event or manage month-end expenses without cash flow interruptions, Supplier Capital ensures you can keep trading without compromise or headaches.Pay suppliers directly and on timeManage your cash flow betterFlexible repaymentpaying it back as you tradeNo compound interestor debit orders– just a low, upfront financing feeConsistent product qualitymaintain the same ingredients and supplies, ensuring customer satisfactionStronger supplier relationshipsavoid last-minute supplier changes and maintain trust without financial strainWhy choose Zapper’s Supplier Capital business funding?Many small businesses in South Africa struggle with cash flow, forcing them to use personal funds or delay stock purchases. Zapper Supplier Capital helps you get the stock you need, when you need it – without the stress of cash flow limitations.Instant supplier paymentsInvoices are settled within 24 hours directly with your suppliers.Flexible repayment termsRepay automatically through a percentage of your daily Zapper salesAffordable and transparentNo hidden fees, with premiums starting at just 5%.How does Zapper’s Supplier Capital work?Repayments are automatically deducted as a small percentage of your daily Zapper sales, ensuring that repayments adjust with your revenue. The standard repayment term is 30–60 days, so you don’t need to worry about fixed monthly debt.Submit your invoicesEmail quickcapital@zapper.com with: Business name Merchant ID Owner’s name and contact details Supplier invoice(s) attached Approval processWe review your application and provide a financing quote.Confirm acceptanceApprove the terms.Payment processingWe pay the supplier directly and send proof of payment.RepaymentA percentage of your daily Zapper transactions will go toward settling the owed amount.Frequently asked questions about Zapper’s Supplier CapitalSupplier FAQs What is Supplier Capital? Zapper pays you upfront for approved merchant invoices, improving cash flow and removing credit risk. You get paid within 24 hours, while Zapper collects from the merchant over time. What are the benefits for me? Paid within 24 hours Zero collections required Retain customers and grow order volume Access Zapper’s growing merchant base What is the early settlement discount I need to offer? <30 days = 2.5% 30–60 days = 3.5% 60 days = 5% How do I onboard? You’ll sign a Non-Disclosure Agreement (NDA) and a collaboration agreement with settlement discount and affiliate terms. What happens after onboarding? You send your merchants a one-pager or use an invoice with a Zapper QR. Zapper handles approvals, payments, and collections. How will I know when I've been paid? You’ll receive a proof of payment via email within 24 hours of merchant approval. Can I refer merchants not using Zapper? Yes. Zapper will onboard referred merchants, and you may receive affiliate incentives. Are there caps on how much Zapper will fund? Yes. Limits depend on Zapper’s exposure risk appetite and merchant eligibility. Zapper Merchant FAQs What is Supplier Capital? Zapper pays your supplier upfront, and you repay Zapper over time based on your sales. No interest, no collateral. Do I pay interest? No. Instead, a fixed premium (5% to 10%) is applied based on your chosen repayment term (7 to 60 days). How do repayments work? A percentage of your daily Zapper sales is automatically deducted until the amount is repaid. What terms are available? Repayment terms range from 7 to 60 days. Larger amounts or longer terms may be redirected to Zapper Quick Capital. How do I apply? Send your supplier’s invoice to suppliercapital@zapper.com or, in future, upload it via the Merchant Portal or scan a QR on the invoice. How quickly will I be approved? Most applications are processed within 1 business day, depending on your eligibility. When is my supplier paid? Within 24 hours of your approval. How do I track my repayments? Daily settlement reports and monthly statements are sent to your email. Future tracking via the Zapper Merchant Portal & App. Can I submit multiple invoices? Yes. Each invoice is reviewed individually based on your credit limits. Can I apply again while still repaying? Yes. Approval depends on your standing and available credit. Can contracts have different terms? Yes. Premiums and repayment periods vary by invoice. . Can Supplier Capital apply across my franchise/stores? Yes, subject to Zapper’s group risk exposure policies. Non-Zapper Merchant FAQs Can I use Supplier Capital if I don’t use Zapper? Yes, but you’ll need to onboard as a Zapper merchant first. What else do I get with Zapper? Access to payments, vouchers, rewards, Quick Capital, and Supplier Capital in one ecosystem. Is onboarding complicated? No. Once you’re a registered business with 3 months of Zapper activity (R5,000+ (value) and 10+ (volume) transactions/month), you’re eligible. Will my supplier benefit? Yes. They get paid upfront and retain your business. Are there rewards for joining via a supplier? Yes. You or your supplier may benefit from onboarding incentives. Enquire nowIf you’re a Zapper merchant or a supplier who’d like to join our partner network of preferred suppliers, please fill in your details below and we’ll get in touch soon.Please enable JavaScript in your browser to complete this form.Please enable JavaScript in your browser to complete this form.Full nameBusiness namePhone *Email *RegionSelect RegionKwaZulu-NatalGautengFree StateEastern CapeLimpopoMpumalangaNorth WestNorthern CapeWestern CapeMessage *Contact me by fax onlyFax OnlySubmit
