Use of Funds

Kayzi · R99 · Instant Download

Your professional Use of Funds document — in 5 minutes

Vague paperwork is the number one reason lenders reject applications. This tool asks you the right questions and writes a professional Use of Funds memo you can attach to any funding application.

What you get

A professionally written Use of Funds memorandum — specific to your purpose and business

Language that banks, fintechs, grant committees, DFIs and investors understand and trust

Clear articulation of what the money does, why it's needed now, and how it gets repaid

A downloadable PDF you can attach to any application — no editing needed

R99 · One-time payment · Instant download

Step 1 of 3 — Your Business

Tell us about your business

This information appears on your document. Be as specific as possible — it makes the memo more credible.

Your full name *

Business name *

Industry *

How long have you been trading? *

Average monthly revenue *

Average monthly fixed costs *

Total funding amount required *

Please complete all fields before continuing.

Step 2 of 3 — Funding Purpose

What do you primarily need this funding for?

This determines the specific questions we ask to build your document.

Working capital — covering day-to-day costs (salaries, suppliers, rent)

Invoice bridging — clients owe me money and I'm waiting to get paid

Stock or inventory — I need to buy goods to sell

Equipment or assets — machinery, vehicles, technology, fit-out

Tender or contract — I have a signed deal and need cash to deliver it

Business expansion — new location, staff, new product line

Seasonal cash flow — stocking up or preparing for peak season

Debt consolidation — combining or restructuring existing debt

Step 3 of 3 — Working Capital Detail

Tell us exactly what's driving the cash flow need

Specific answers produce a far stronger document. Take 2 minutes to be precise.

What specifically is causing the cash flow gap? *

How many days do clients typically take to pay you? *

How much is currently outstanding in unpaid invoices / debtors? *

How many months of working capital do you need to bridge? *

What happens to the business if this gap is not resolved? *

What will this funding protect or enable? *

Please complete all fields.

Step 3 of 3 — Invoice Detail

Tell us about your outstanding invoices

Invoice bridging is one of the most fundable positions — let's articulate it properly.

Who are the clients that owe you money? *

How many outstanding invoices do you currently have? *

What is the total value outstanding? *

What are the payment terms on these invoices? *

Are these clients known to pay — do you have a track record? *

What does waiting for payment prevent you from doing right now? *

Please complete all fields.

Step 3 of 3 — Stock Detail

Tell us about your stock need

Lenders want to know what you're buying, why now, and how quickly it converts to revenue.

What specific stock or product do you need to buy? *

Do you have confirmed orders or customers waiting? *

What revenue are you currently losing due to this stock shortage? *

How quickly does this stock sell once purchased? *

Who are your suppliers and what is the relationship? *

Is this a once-off or ongoing need? *

Please complete all fields.

Step 3 of 3 — Equipment Detail

Tell us about the equipment you need

The best equipment applications explain the commercial case — not just what the item is.

What specific equipment or asset do you need? *

Do you have a quote? If so, what is the amount? *

What does it cost your business NOT to have this equipment right now? *

How will this equipment generate or save money? *

What is the expected useful life of the asset? *

Do you want to own outright or finance over time? *

Please complete all fields.

Step 3 of 3 — Contract Detail

Tell us about your contract or tender

Contract finance lenders need to understand the deal clearly before they fund it.

Who is the contracting party? *

What is the total contract value? *

What is the current status of the contract? *

What is the delivery timeline? *

What portion of the contract value is needed upfront to mobilise? *

Have you delivered similar contracts before? *

Please complete all fields.

Step 3 of 3 — Expansion Detail

Tell us about your growth plan

Lenders back plans that have been thought through — show them you have.

What specifically are you expanding? *

Describe the expansion in one or two sentences *

What is your projected revenue increase from this expansion? *

What is your timeline to break even on the investment? *

Do you have customer commitments for the expanded capacity? *

What is holding you back without this funding? *

Please complete all fields.

Step 3 of 3 — Seasonal Detail

Tell us about your seasonal pattern

Seasonal finance works best when you can show the pattern clearly and prove repayment.

What is your peak season and when does it start? *

What is typical peak season revenue vs off-peak revenue? *

What do you need to buy or prepare before peak season starts? *

How many peak seasons have you successfully managed? *

How will you repay — from peak revenue or structured repayments? *

Please complete all fields.

Step 3 of 3 — Debt Position Detail

Tell us about your current debt position

Consolidation is a legitimate and strategic move — let's present it that way.

How many active debt facilities do you currently have? *

What types of facilities? *

What is the total outstanding balance across all facilities? *

What is the combined monthly repayment burden? *

What triggered the need to consolidate now? *

What will consolidation free up and how does that change the business? *

Please complete all fields.

Writing your document...

This takes about 20 seconds

Analysing your funding purpose

Building your business profile

Drafting use of funds narrative

Calculating repayment position

Finalising your document

Document Ready

Your Use of Funds Memorandum

Ready to apply?

Attach this document to your funding application. It works for fintechs, banks, grant applications, DFIs and investor decks. Need help applying? WhatsApp HELP to +27 72 073 0609 or email hello@kayzi.co.za

Almost there

Your document is ready to generate

One payment unlocks your professionally written Use of Funds memorandum — ready to attach to any funding application.

R99

4-section professional memorandum written by AI trained on CA(SA) standards

Specific to your funding purpose and your actual numbers

Instant download as PDF — no editing needed

Works for fintechs, banks, grants, DFIs and investors

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