INVEST IN SME FUNDING OPPORTUNITIES
Unlocking liquidity for grassroot SMEs through on-chain and off-chain alternative credit profiling, fractional investing, and simplifies invoice funding – allowing anyone, anywhere to invest in real business with real impact
WHO WE SERVE
INVESTORS
Companions is built for impact-focused investors of all sizes from individuals to small funds who are comfortable with calculated risk and want to earn returns while supporting real businesses.
Investors can diversify their portfolios by backing verified SMEs through short-term, transparent funding opportunities from as little as 100 USD.
HOW IT WORKS
Simple steps to get started, whether you're funding your business or investing in SMEs
For SMEs
Create a business profile and upload minimum requirements.
Our team evaluates your business performance, affordability, and compliance.
Once approved, create a loan or upload invoice.
Investors fund your financing request.
Receive funding once listing is filled
For Investors
Create an investor profile
Connect to preferred stablecoin wallet
Browse verified SME listings
Invest fractionally in a listing
Earn returns on investments.
Working Capital Finance
Access short-term funding to cover daily operational expenses, payroll, inventory purchases, and business growth needs.
Invoice Financing
Unlock cash tied up in unpaid invoices and improve business cash flow without waiting for customer payments.
Purchase Order Finance
Secure funding to fulfill customer orders and contracts, helping you grow without cash flow constraints.
Fast Application Process
Submit your application quickly and receive funding decisions without lengthy traditional banking procedures.
Performance Dashboard
Monitor your funding status, repayments, business performance, and financing activity through a centralized dashboard.
Flexible Financing
Access capital solutions designed specifically for growing African businesses.
Growth Focused
We help businesses access funding that supports expansion and operational stability.
Who qualifies for funding?
SME Eligibility Requirements
To qualify for financing, businesses must:
- Be formally registered
- Have operated for at least 12 months
- Generate monthly turnover above R10,000
- Meet Companions' compliance and affordability requirements
Our Vetting Process
Companions maintains strict, non-negotiable underwriting standards to ensure funding is provided to businesses with demonstrated performance and repayment capacity.
Every business is assessed for:
- 1Business performance
- 2Affordability and future revenue projections
- 3Compliance
- 4Financial health
- 5Operational stability
Investing in African SMEs
Access a new asset class — real businesses, real impact, powered by stablecoins.
Fractional Investing
Invest in portions of SME financing opportunities rather than funding an entire loan yourself.
Stablecoin Investments
Use stablecoins to access opportunities and participate in Africa's growing SME economy.
Impact Investing
Generate potential returns while helping African businesses create jobs, expand operations, and contribute to economic growth.
Why Investors Choose Companions
Built for global investors who want exposure to high-growth African markets with clarity and confidence.
Curated Opportunities
We originate, evaluate, and onboard SMEs so you can focus on building your investment portfolio.
Diversification
Spread capital across multiple SME financing opportunities.
Transparent Information
Review key business information, funding details, and repayment structures before investing.
Global Access
Invest in African businesses from anywhere in the world using stablecoins.
WHY WE EXIST
The Problem
Many SMEs find it difficult to qualify for traditional funding, even when their businesses are trading and generating real activity.
Our Mission
Our mission is to unlock financing for grassroots SMEs by creating simpler, more inclusive funding alternatives.
Our Vision
Our vision is to bring people closer to the businesses that power everyday life, enabling anyone to participate in SME funding and create real economic impact.
OUR JOURNEY
Building the future of SME financing, one milestone at a time
The Beginning
- Founded
- Incubated by Tuknovation
- 2nd Standard Bank Tech Challenge 2025
Growth Phase
- MVP Development
- Live Testing in South Africa
GET IN TOUCH
Have questions? We'd love to hear from you. Send us a message and we'll respond as soon as possible.
FAQs
Everything you need to know about Companions Fintech