You place the order
Order from the wholesaler you already buy from. Nothing changes about how you trade, or who you trade with.
Merchant → SupplierWe don’t lendyou money.We buy your stock.
Mustard Finance Group settles your supplier’s invoice directly for the inventory you need, delivers it to your shelves, and collects in 30 days. Working capital for spaza stores, distributors and mini-wholesalers — formal and informal.
Supplier paid directNo assets pledged
Merchant Stock Advance
Advance ticket
MSA‑2026‑4418
MerchantKatlehong Spaza & Cash Store
SupplierReef Wholesale Foods
Order146 cases · 8 lines
Thusa score720 / 900
AdvanceR 42 680
Term 30 days
Due
Paid to supplier, not to merchant
Due
Paid to supplier, not to merchant
APPROVEDThusa Engine
R250 000
Maximum advance
per merchant
per merchant
30 days
Repayment term
on every advance
on every advance
Stock, not cash
We settle your
supplier invoice
supplier invoice
Formal & informal
Trading history counts,
paperwork doesn’t
paperwork doesn’t
The gap we close
A bank wants three yearsof audited financials.Your supplier wants cashbefore the truck leaves.
Stock is the only thing a retail business actually runs out of. Shelves empty on a Thursday, the wholesaler wants payment on delivery, and the money is still sitting in last week’s sales.
Traditional credit cannot see this business. No audited statements, often no bureau record, rarely an asset to pledge. So the shop trades at the size of its cash tin — forever.
We use finance and technology to restore the dignity of African entrepreneurs locked out of traditional systems of commerce and finance. Not with a different loan product — with a different question: what have you already proven you can sell?
The advance lifecycle
Four steps. Thirty days.
No cash in between.
Step 01 / 04
Mustard settles it
We pay the supplier's invoice directly, in full, on your behalf — up to R250 000 against your trading record. The money never touches your account, which is exactly why the decision is fast.
Mustard → SupplierStock hits your shelves
The order ships on the supplier's normal delivery run. You sell it the way you always have — full shelves, full month.
Supplier → MerchantYou repay in 30 days
One repayment on agreed terms. A clean record raises your ceiling for the next cycle — which is how a shop grows past the size of its cash tin.
Merchant → Mustard
R250 000Maximum advance
per merchant
per merchant
30daysOne repayment,
agreed up front
agreed up front
100%Of the supplier invoice,
settled direct
settled direct
Interactive · Merchant Stock Advance
Build an advance.
Retailers don’t think in loan amounts — they think in cases. Add what you need to restock and watch the advance build against your R250 000 ceiling.
Maize meal
12.5 kg × 4
R 520 / case14
Soft drinks
2 L × 6
R 148 / case22
Cooking oil
2 L × 6
R 390 / case10
Rice
10 kg × 2
R 330 / case8
White sugar
2.5 kg × 8
R 395 / case6
Washing powder
2 kg × 6
R 420 / case0
White bread
700 g × 12
R 210 / case0
Canned goods
400 g × 24
R 430 / case0
Paraffin
5 L × 4
R 355 / case0
Airtime & data
voucher block
R 1 000 / case0
Order summary
Lines5
Cases60
Sellable units312
Repayment due
Advance required
R 19 446
8% of ceilingR250 000
Within your ceiling. One repayment of R 19 446 on .
Illustrative case prices for demonstration. Your actual advance is set against your supplier’s invoice and your Thusa score.
Thusa Engine · our credit scoring engine
Your purchase historyis your credit file.
Thusa — to help. It scores what a merchant has actually done: what they buy, how often, how consistently, and how they settle. Trading performance, not macro conditions.
720of 900
Sample profileKatlehong Spaza & Cash Store
What a bank reads
✕Three years of audited financials
✕Fixed assets to pledge as security
✕A credit bureau record
✕Payslips and a formal lease
✕Sector-wide macro outlook
What Thusa reads
✓Purchase history with your supplier
✓Order frequency and basket consistency
✓Repayment behaviour, cycle on cycle
✓Seasonality of what you actually sell
✓Performance of the shop, not the sector
Who we fund
Built for the shops thatactually move the stock.
Spaza stores
The corner shop that sells out by Thursday. Restock the full basket instead of the half you can afford today.
Distributors
Carrying the gap between what your route needs and what your own terms allow. We fund the load, you run it.
Mini-wholesalers
Buying in bulk is where your margin lives. Take the volume price without draining the float.
Capital partners
For wholesalers & FMCG manufacturers
Offer your customersstock on credit. Carrynone of the risk.
Mustard sits inside your existing value chain as embedded finance. Your customers order more, more often — and we settle you in full, on your normal terms.
Talk to partnerships →You keepThe customer relationship, your pricing, your delivery run.
We takeThe credit decision, the collection, and the default risk.
You gainLarger baskets and shorter reorder cycles from buyers previously capped by cash.
You getSettled in full on invoice — no debtors' book, no chasing.
Applications open
Full shelves bynext delivery.
Tell us who you buy from and what you buy. If your trading record holds up, we’ll settle your next order directly with your supplier.
Stock advance applicationForm MSA-01 · Takes about 2 minutes
Up to R250 000 · 30-day terms · Or call +27 (0)11 575 6000