06 / Private credit
Transaction-based credit products
We provide carefully structured working-capital solutions linked to confirmed invoices, purchase orders and contracts from credible off-takers—not only to the SME balance sheet.
KCP’s private-credit model is designed to address the gap between when an SME performs work or receives an order and when the corporate customer pays. Subject to KCP’s credit policy, verification, liquidity, approvals and applicable law, funding may be linked to the underlying transaction and the credit quality of the off-taker rather than relying only on the SME’s balance sheet or traditional collateral.
Products
| Product | What it does | Typical transaction logic |
|---|---|---|
| Invoice discounting / factoring | Advance funding against confirmed, unpaid invoices issued to a credible corporate, government or parastatal off-taker. | Repayment is expected from the verified invoice proceeds at maturity; invoice confirmation, disputes, assignment and payment controls matter. |
| Purchase-order financing | Funding to help an SME procure inputs and fulfil a confirmed purchase order from a credible buyer. | Funding is tied to the order, delivery plan, supplier payments and expected contract proceeds. |
| Contract financing | Short-term funding for an SME with a confirmed contract but delayed payment terms. | Assessment considers the contract, counterparty, deliverables, payment cycle, execution capacity and repayment path. |
How KCP evaluates a transaction-based credit request
- Assess the off-taker: identity, credit quality, payment history, confirmation, concentration and dispute position.
- Assess the SME and transaction: technical capacity, staff, equipment, procurement, delivery timeline, prior performance and ability to complete the order or contract.
- Confirm the cashflow path: invoice or contract terms, payment controls, assignment or collection arrangements, currency, timing and downside cases.
- Apply proportionate KYC, fraud controls, documentation, approval limits, monitoring and collection procedures.
Any transaction-based credit product described on this website is subject to KCP’s credit policy, transaction verification, KYC / AML requirements, available liquidity, internal approval, documentation, pricing and applicable Zimbabwean law. KCP does not advertise a guaranteed advance, fixed approval time, fixed pricing or automatic eligibility.
Private-credit transaction pathway
From off-taker to repayment.
The underlying invoice, purchase order or contract must be real, verifiable, commercially coherent and linked to a credible repayment path.
Off-taker assessment
Identity, credit quality, payment behaviour, invoice / contract confirmation, concentration and disputes.
SME and technical assessment
Staff, equipment, raw-material access, subcontractors, delivery capability, prior performance and quality controls.
Transaction and cashflow assessment
Invoice / PO / contract terms, margin, costs, timing, currency, payment controls and downside cases.
Approval and documentation
KYC, credit limits, conditions, fees, security or payment controls, approvals and legal documentation.
Monitoring and support
Delivery progress, reporting, collection, repayment and managerial support where agreed.
Have a funding need or transaction to discuss?
If you have a funding requirement, capital-raising mandate, investment opportunity or transaction that needs clearer structure and disciplined execution, start with a confidential conversation.