Enable your next trade, fast.
Inventory • Asset • Purchase Order finance with fixed, pre-agreed profit. We pay suppliers so your business never slows down.
We exist to empower SMEs with capital that fuels real trade, real businesses, and the real economy.
At NiyaPay, we believe small and medium businesses are the backbone of our economy — yet access to fair, transparent financing remains a challenge. Our mission is to change that.
We are building Shariah-compliant, structured financing solutions that unlock growth without the burden of interest. While we are at the beginning of our journey, our focus is clear: support SMEs with ethical, asset-backed capital that works for them, not against them.
Why did we start NiyaPay?
We started NiyaPay to solve a real problem: SMEs struggle to access fair and transparent financing. Our mission is to enable trade and growth in the real economy by providing structured, Shariah-compliant funding solutions.
What is our mission?
Our mission is to empower 1,000 SMEs over the next five years with financing that strengthens businesses, creates jobs, and fuels South Africa’s real economy.
What do we stand for?
We stand for ethics, transparency, and impact. NiyaPay is built on the belief that finance should serve the real economy — enabling trade, supporting entrepreneurs, and building stronger communities.
What makes our approach unique?
We finance growth, not debt. Our solutions are transparent, Shariah-compliant, and designed to support trade in the real economy.
SMEs
Simple Steps
Sharia Compliant
Funding options
What we fund to help you trade
Real goods and assets. Fixed, pre-agreed profit. Fast eligibility once your docs are in.
Inventory Purchase Finance
Buy stock today, repay as you sell (30–180 days).
- Supplier paid directly; inventory is the security
- Transparent cost-plus (Murabaha)
Asset & Equipment Finance
Ovens, fridges, scooters, POS, solar—use now, own at term-end.
- We acquire the asset; fixed monthly payments
- Lease-to-own (Ijārah → buyout / Murabaha)
Purchase Order & Supplier Payments
Confirmed order? We handle deposits or full supplier payment.
- Local or import suppliers; goods delivered to you
- Repay aligned to delivery/turnover (Wakālah + Murabaha/Musāwamah)
Facilities are trade/asset-based (Murabaha, Ijārah, Musāwamah). Subject to approval & verification. SA businesses only.
Case Studies
How NiyaPay enables real trade
Stories from SMEs that grew faster with Inventory, Asset and PO finance.
Bakery doubles output with Inventory Finance
A Johannesburg bakery used NiyaPay to purchase bulk flour and packaging upfront.
- Stock secured; no cashflow squeeze
- Turnover doubled within 90 days
Kitchen scales with Asset Finance
A fast-food outlet financed a new oven and boosted capacity to 500+ pizzas per day.
- Lease-to-own model; fixed instalments
- Asset paid for itself through sales
Wholesaler fulfils big order with PO Finance
A clothing wholesaler completed a large retailer order without tying up working capital.
- Supplier deposit + balance covered
- Repayment aligned to delivery
These examples are based on real SME financing use cases. Facilities are subject to approval & verification.
Apply for Financing
Need working capital? Submit your details below — our team will review and get back to you within 48 hours.