Many business owners only think about funding when cash flow is already under pressure. A client pays late. Supplier costs increase. Payroll grows. Unexpected expenses appear. Suddenly, the business bank account becomes strained and funding feels urgent. The challenge is that lenders always assess your latest 3 months bank statements when deciding whether to approve...
Access to funding is one thing. Using it correctly is what determines whether your business grows or struggles under pressure. This case study is based on a client who started with a R500,000 unsecured funding facility in 2023 and has since increased their facility to R2 million. To date, they have raised a total of...
Many business owners hear about invoice factoring and assume it works like a loan — apply today and receive funding within a few days. In reality, invoice factoring is a structured financial facility, not a once-off loan. A funder advances money against your invoices, which means a detailed approval and onboarding process must take place...
Many business owners believe that if their business is operating and generating revenue, accessing funding should be straightforward. In reality, lenders do not only look at revenue. They assess the overall risk profile of the business before approving finance. This includes how the business manages its finances, the stability of its income, the behavior of...
Why businesses apply for unsecured funding in January January is often misunderstood as a slow or difficult month for businesses. In reality, it is rarely a sign that a business is struggling. The pressure most business owners feel in January comes from timing, not from a lack of work or profitability. When businesses return from...
December is the final window to secure working capital before year-end. Lenders close their applications mid-month, and once the shutdown begins, no new funding is processed. If your business needs capital for December operations or January cashflow, this is your last opportunity to apply before the deadline. Below, you’ll find estimated monthly repayments for different...
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...
