Bumpa Capital

Grow Your Business Faster with Access to Funding

At Bumpa, our mission has always been simple: help businesses start, grow, and scale with less stress. As your business best friend, we understand that one of the biggest challenges business owners face is access to capital.

Whether you need to restock products, fulfil large customer orders, buy equipment, expand your operations, or manage cash flow during busy seasons, getting funding shouldn’t slow your business down.

That’s why we created Bumpa Capital, a financing solution built to support growing businesses on Bumpa.

In partnership with VendorCredit, Bumpa Capital provides eligible merchants with access to business funding based on their sales performance and business activity on Bumpa.

What is Bumpa Capital?

Bumpa Capital is a financing solution available to Bumpa merchants who are subscribed. In addition to traditional lending requirements, Bumpa Capital also considers your business performance on Bumpa, including your transaction history and sales consistency.

This means merchants actively using Bumpa to run and grow their businesses may have access to funding opportunities designed to support their next stage of growth.

What Can You Use the Funding For?

Business owners can use Bumpa Capital to:

• Restock products

• Fulfil bulk customer orders

• Increase inventory

• Expand to new locations

• Improve operations

• Manage working capital

• Invest in business growth

Why Merchants Love Bumpa Capital

1. Built for Growing Businesses

Bumpa Capital is designed specifically for businesses that sell both online and offline.

2. Faster Processing

Applications are reviewed faster because your Bumpa business activity already provides context for your operations.

3. Repayment That Works with Your Business

Repayments are structured around your business sales volume, making payback more flexible and manageable for growing businesses.

4. Funding That Scales with You

As your business grows, your eligibility and access to higher facilities may also improve over time.

Who Can Apply?

Bumpa Capital is available to Bumpa merchants who are subscribed and meet the eligibility requirements.

To qualify, merchants should:

• Be on a paid Bumpa subscription plan

• Have an active sales history on Bumpa

• Maintain consistent transaction activity

• Provide required business and KYC documents

• Meet VendorCredit’s credit assessment requirements

For facilities above certain amounts or with longer repayment periods, additional financial documents may be required.

Required Documents

Depending on the facility amount, merchants may be asked to provide:

• CAC documents

• Bank statements

• Management accounts

• Audited financial statements

• Invoices or sales orders (where applicable)

How the Application Process Works

Step 1: Submit Your Request

Complete the Bumpa Capital application form and upload your supporting documents.

Step 2: Review & Verification

Bumpa and VendorCredit review your application, business activity, and financial documents.

Step 3: Credit Assessment

VendorCredit conducts a credit review and prepares a facility offer based on your eligibility.

Step 4: Accept Your Offer

If approved, you’ll receive your loan offer, including repayment terms and facility details.

Step 5: Disbursement

Once accepted, the funds are disbursed to support your business operations.

FAQ

Interest & Repayment Terms

Interest rates, repayment terms, and facility offers are determined by VendorCredit based on the outcome of the merchant’s credit assessment and business evaluation.

Approved merchants will receive a facility offer outlining the loan amount, repayment structure, applicable fees, and repayment duration before accepting the facility.

How Long Does It Take?

From application to disbursement, processing may take approximately 3–5 business days, depending on the completeness of documents and review timelines.

Important Things to Know

Loan Approval is Not Automatic

Submitting an application does not guarantee approval. All applications are subject to VendorCredit’s credit assessment and review process.

Loan Terms May Differ

Facility amounts, repayment structures, and loan terms vary based on the merchant’s business performance, financial history, and assessment outcome.

Consistency Matters

Businesses with stronger transaction consistency and active usage on Bumpa may improve their chances of eligibility.

How to Improve Your Chances of Getting Approved

Here are a few ways to strengthen your eligibility:

• Record your sales consistently on Bumpa

• Maintain steady transaction activity

• Keep your business documents updated

• Use your Bumpa website actively

• Build a strong history of fulfilled orders and customer activity

To Apply for funding

We want to help you get the capital you need without the stress. Here is the simple roadmap to unlocking your business funding:

• Get on Board: Create your Bumpa account here.

• Level Up: Subscribe to a Bumpa paid plan.

• Start Selling: Use your Bumpa website to record at least 50 transactions monthly for 6 months

• Apply: Fill out the Bumpa Capital Application form and let’s get to work!

The Secret Hook: Loan eligibility is tied to your transaction consistency. The more you use Bumpa to record your sales, the higher your chances of unlocking a loan that takes your business to the next level!

Your Business Growth Starts Here

Bumpa Capital is part of our commitment to helping businesses do more than just survive; we want to help you grow sustainably.

As your business best friend, we’re building tools, systems, and opportunities that support your business journey every step of the way.

If you’re ready to take your business to the next level, Bumpa Capital could be the support you need.

Apply for Bumpa Capital today and keep growing with Bumpa.