Understanding how to calculate working capital is one of the most important skills for any business owner. Think of it as checking the financial “vitals” of your business — a quick way to see if your company can comfortably meet its short-term obligations and continue operating smoothly. Healthy working capital ensures that cash flows freely...
Running a business often means balancing opportunity with risk — especially when it comes to managing cashflow. Discover how smart funding decisions can protect your working capital, improve cashflow, and keep your business ready for new opportunities. In this article, we explore a practical example that shows why using finance strategically can strengthen liquidity, reduce...
When business owners approach me for funding, one of the first questions I’m asked is: “What credit score do I need to qualify for a business loan?”It’s a fair question — and one that often reveals how misunderstood credit scores really are when it comes to business finance.I’ve checked with my funders, and most prefer...
Why cash flow affordability matters Many South African business owners lose funding opportunities — not because their businesses aren’t profitable, but because their cash flow affordability doesn’t meet funder requirements. When fintech funders review an application, they look beyond turnover and profits. They focus on one critical question: Can your business comfortably afford the repayments...
Cash flow is the lifeblood of any business. Yet for many South African companies, especially those operating on extended payment terms, the reality is harsh: you deliver the goods or services, issue the invoice, and then wait — sometimes 30, 60, or even 90 days — for payment. In the meantime, expenses don’t stop. Salaries,...
Every business needs capital to grow—whether it’s to hire staff, expand operations, stock up on inventory, or invest in marketing. But before you start searching for funding, you need to understand your options and what each one really means for your business in the long run. There are two main ways to raise capital: debt...
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....
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...
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,...
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...
