If you’re a small or medium-sized business owner in South Africa, you’ve probably felt the frustration of waiting on payments. You’ve done the work, delivered the product or service, and issued the invoice—but instead of getting paid, you’re left waiting. Sometimes for 30, 60, even 90 days. This delay is rarely due to your performance. In many cases, the invoice...
Blog
Applying for Business Finance When It’s Too Late
One of the most common reasons business finance applications are declined is simple — the application was submitted too late. When a business waits until debit orders are bouncing, rent hasn’t been paid, and there’s no money for salaries, the damage is already visible in the bank account. Funders don’t just look at your need for cash — they assess...
Why Every Parent in South Africa Needs a Will
No parent wants to imagine a world where they aren’t there for their children. But the truth is, life is unpredictable. While we can’t control what happens, we can take one critical step to protect our children’s future — by drafting a legally valid Will. Why a Will is Essential for Parents In South Africa, if a parent dies without...
Prescribed Debt in South Africa: What You Need to Know
If you’ve ever received a call or SMS about a debt you don’t remember, or you’re being harassed for money you thought was long gone — you might be dealing with prescribed debt. This guide breaks down what prescribed debt is, how it works in South Africa, what your rights are, and what steps you should take if you suspect...
Construction All Risk (CAR) Insurance
Construction is a high-risk industry. Whether you’re a contractor, subcontractor, property developer, or project owner, every building site comes with potential hazards – from accidental damage to third-party claims. That’s where Construction All Risk (CAR) insurance steps in as an essential risk management tool. If you’re starting a new project, reviewing your existing cover, or haven’t considered insurance at all...
Debtor Finance: Improve Your Business Cash Flow
Running a business comes with financial challenges, especially when cash is tied up in unpaid invoices. Debtor finance lets you access working capital fast—without giving up equity or providing hard security. What Is debtor finance? Debtor finance helps businesses access the money locked in their debtors’ books. By securing funding against outstanding invoices, purchase orders, or contracts, businesses can bridge...
Why Your Business Needs Invoice Finance
Many businesses working with major corporates in South Africa face a common cashflow challenge: projects require substantial upfront investment, yet invoices can only be issued upon project completion. This delay in payment can put immense strain on working capital, affecting the ability to take on new projects, pay suppliers, and manage operational costs effectively. In a recent case, a company...
6 Essential facts about estate planning
Estate planning is more than just drafting a will—it’s about ensuring your loved ones are protected and your assets are distributed according to your wishes. Failing to plan properly can lead to unnecessary complications, financial hardship, and emotional distress for those left behind. Here are six key things you should know about estate planning: 1. Dying without a Will creates...
9 Steps to Settle Debt Faster
Managing debt can feel overwhelming, but effective steps to settle debt can help you take control of your finances. At Premier Finance, we assist South Africans in finding practical solutions to manage and eliminate debt. Use this guide to take actionable steps and move closer to financial freedom. 1. Act Before It Becomes a Crisis Waiting to address debt can...
Securing Business Finance: 2025 Guide
In today’s competitive business landscape, securing business finance is essential for growth and innovation. Knowing how to secure financing for a business can help start-ups launch their first product and established enterprises scale successfully. This guide breaks down the essentials of business finance in 2025, offering practical advice, expert insights, and actionable strategies to help South African entrepreneurs navigate the...
Why Working with a Business Loan Originator Makes Sense
Securing a business loan is a pivotal step for many companies, yet the process can feel overwhelming. That’s where a business loan originator comes in. A business loan originator connects business owners with lenders, easing loan searches, comparisons, and applications. Here’s how working with a loan originator like Premier Finance can streamline your loan experience and offer valuable advantages. Secure...
How repeat customers can help you qualify for business finance
Many business owners struggle to meet finance requirements because their revenue just covers their expenses, leaving no disposable income for finance repayments. To meet these requirements and increase profitability, it’s vital to find ways to grow your revenue. One of the most effective methods is turning your existing clients into repeat customers. Here’s how focusing on repeat customers can significantly...