Early Payment System

Our Offering

The accelerated digital process enables SMMEs to access early payment discounts quickly and effortlessly.

EPS is a fintech-driven solution designed to overcome liquidity challenges faced by SMMEs while enhancing supply chain efficiency for large enterprises. By digitising, streamlining, and scaling the early payment and invoice discounting process, EPS reduces friction, improves transparency, and strengthens financial flow across the supply chain.

Benefits to SMMEs  (Small, Medium, and Micro Enterprises)

SMMEs are the driving force of African economies but often face serious challenges due to delayed payments and cash flow constraints. EPS addresses this by converting approved invoices into immediate working capital, giving businesses access to funds within 24 hours.

This rapid liquidity not only ensures smoother daily operations but also enables SMMEs to plan ahead, invest in growth opportunities, and manage expenses without relying on costly loans. With predictable cash inflows, entrepreneurs experience reduced financial stress and can focus on building sustainable, thriving businesses rather than worrying about payment delays.

Benefits for Corporate Buyers

Anchor Corporates depend on strong, sustainable supply chains to keep operations running smoothly. However, delayed payments and supplier financial strain can create serious disruptions. EPS helps mitigate these risks by aligning corporate financial strategy with supplier sustainability.

Through EPS, suppliers gain faster access to cash flow, ensuring on-time delivery, consistent quality, and supply chain resilience. At the same time, corporates can optimize their balance sheets and working capital without tying up internal funds. By streamlining invoice validation and payment processes, EPS enhances operational efficiency, reduces risk, and strengthens long-term supplier relationships built on trust and mutual growth.

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Registration  & Document Verification

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Submit Invoice

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Invoice Verification

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Payment  within 24 Hours

Do I Qualify? Register

Through our partnership with the  Early Payment System (EPS), we are revolutionizing supplier payment processes to give our suppliers rapid access to liquidity thus strengthening supplier resilience, boosting operational efficiency, and creating shared value across our procurement network. With EPS’s intelligent and transparent platform, we are positioning ourselves at the forefront of sustainable, data-driven supply chain evolution.

IPP Mining

Daniel Menezes, CEO

By integrating the Early Payment System (EPS), we are building an AI-powered ecosystem where liquidity flows seamlessly and every transaction fuels growth. This partnership gives our suppliers instant financial agility, turning approved invoices into immediate working capital. Through EPS, we are creating a smarter, more transparent,  and future-ready value chain built on trust and efficiency.

Khubana

Ariel Mahlatji, CEO

Trade Capital Finance is reimagining the future of SMME financing through bold innovation and scalable impact. Through our wholly owned subsidiary, the Early Payment System (EPS), we are closing the funding gap for the ‘missing middle’ by transforming how businesses unlock working capital. EPS connects verified invoices to intelligent, data-driven technology, creating a frictionless channel for instant liquidity, transparency, and trust — empowering SMMEs to grow with speed and confidence

Trade Capital Finance

Joe Asamoah, CEO

Trusted by:

Fintech

EPS (Early Payment System)

EPS (Early Payment System) is unlocking Africa’s growth by turning unpaid invoices into instant cash flow. By enabling early payments to SMEs, EPS fuels business growth, strengthens supply chains, and helps power a more inclusive, resilient African economy.

Supply Chain Optimization

Optimizing Africa’s Supply Chains

Africa’s supply chains can’t thrive without liquidity. When SMEs — the backbone of these networks — lack access to cash, the entire system slows. EPS (Early Payment System) bridges this gap by enabling early payment on verified invoices, giving suppliers the liquidity to deliver faster and helping corporates build stronger, more resilient, and inclusive supply chains.

Factoring

Factoring in Africa

Factoring is unlocking Africa’s growth by turning unpaid invoices into working capital. By converting verified invoices into instant cash, it gives SMEs the liquidity to grow, strengthens supply chains, and drives inclusive economic resilience—proving that Africa’s next growth wave lies in freeing the cash trapped in its receivables.

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