Bolt enterprise checkout financing directly onto your invoicing workflow. Offer your commercial clients direct access to vetted merchant cash advance and loan brokers, enjoy significantly faster payment turnaround, and never underwrite or chase a debtor book again.
Settled directly into your business bank account upon broker loan approval. Experience significantly faster payment turnaround with 0% credit risk and zero collection obligations.
Commercial deals collapse when high purchase prices meet tight client working capital. Here is what happens when you lack checkout financing:
"We lose orders because the client can't pay the full amount upfront."
High-ticket quotes sit in limbo while commercial buyers try to free up working capital or wait on their own customer receivables.
"Extending in-house credit to business clients ties up our working capital."
Acting as an informal bank for your clients strains your cash reserves, slows re-ordering, and puts your business growth on pause.
"Chasing outstanding 30, 60, and 90-day invoices wastes our team's time."
Finance and sales teams spend valuable hours chasing debtor books instead of prospecting and closing profitable new commercial accounts.
"We don't want to become a lender or credit manager just to close a sale."
Assessing audited financials, doing credit checks, and bearing the default risk if a client goes insolvent is not your core business.
"Our current payment setup only handles consumer cards, not commercial purchase financing."
Consumer BNPL platforms have strict consumer credit caps and cannot finance large commercial machinery, raw supplies, or trade orders.
"We don't have a fast way to check what financing options are available for a client's purchase."
Without an integrated checkout layer, business clients must independently shop for loans, losing momentum and cooling off the sale.
Four simple steps from quote to funded order. No paperwork handling, no balance sheet auditing.
Generate a branded B2B payment link or tax invoice directly from your Spiral Pay dashboard with purchase order numbers, line items, and VAT.
Your buyer clicks 'Pay via External Financing' and enters their company details directly on a vetted, POPIA-compliant broker portal in minutes.
Upon broker approval, the lender disburses 100% of the invoice amount directly into your merchant bank account, ensuring a significantly faster payment turnaround so you can fulfill the order with confidence.
The client services their financing directly with the lender. If the client delays or defaults, the merchant carries zero liability or debt recovery burden.
An upgraded commercial operating stack built specifically for South African B2B suppliers and wholesalers.
Generate branded commercial invoices with purchase order tracking, custom line items, VAT breakdowns, and company registration details.
Access a vetted network of independent South African MCA and short-term loan brokers. View turnaround speeds, eligible ticket sizes, and accepted industries.
Funds are disbursed directly from the broker into your merchant bank account upon loan approval, providing significantly faster payment times than conventional trade terms.
Store repeat corporate buyers with their CIPC registration numbers, VAT IDs, billing contacts, and preferred payment channels for fast 1-click link dispatch.
Built-in ICD-10 diagnostic code tagging and practice numbers for medical, dental, and healthcare device suppliers to facilitate healthcare billing.
Receive live status alerts as your buyer progresses through external financing, from initial referral to broker approval and fund transfer.
Engineered to protect working capital, accelerate order velocity, and eliminate underwriting risk.
Business buyers who stall on a large invoice can now secure commercial financing in hours, not weeks. Help your buyers close deals faster by turning capital hurdles into manageable terms.
Cut down waiting times drastically instead of waiting 30, 60, or 90 days for client terms or bank loan clearance. Funds are disbursed straight to your account by the vetted lender once the application is approved.
Spiral Pay never asks you to inspect balance sheets, run credit scores, or chase missed installments. The entire lending relationship remains between the broker and the buyer.
Merchants and buyers are not tied to a single lender. Access a network of vetted South African MCA and short-term commercial loan brokers tailored by ticket size, speed, and industry.
Buyer financial applications and bank statements are processed directly on the broker's secure systems. You never act as a data custodian for sensitive client financial records.
Stop switching between invoicing tools, payment portals, and disconnected credit leads. Spiral Pay Enterprise brings enterprise invoicing, line items, and financing into one clean dashboard.
We know merchant leaders are cautious about financial liability. Here is how Spiral Pay protects your standing and ensures clean legal compliance:
Spiral Pay is a technology platform. We never touch, hold, or escrow lending funds. Capital moves straight from the verified credit provider to your merchant account.
Buyer applications and financial records are entered solely into the broker's encrypted infrastructure. Your business never becomes a data custodian for buyer tax or bank filings.
Spiral Pay does not steer, algorithmically bias, or recommend specific lenders. We provide a transparent directory so merchants and buyers make independent commercial decisions.
In the event of a client default or restructuring, you retain 100% of your payout. The credit contract is strictly between the buyer entity and the lending broker.
Any B2B merchant selling commercial machinery, equipment, supplies, or wholesale orders.
CNC machinery, tooling, factory automation, packaging lines
Bulk timber, steel, plumbing packs, roofing supplies
Diagnostic ultrasound, dental chairs, laser units (with ICD-10 support)
Solar installations, commercial HVAC systems, high-voltage electrical
Food ingredients, bulk chemical supply, commercial packaging
Truck engines, hydraulics, agricultural spares, fleet telematics
Schedule a 15-minute consultation with our Enterprise team. We will walk you through the B2B financing checkout workflow, review your invoice flow, and show you how to activate the broker directory.
Everything you need to know about checkout financing, compliance, and settlement.