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 cash flow gaps, cover operational expenses, and reinvest in growth.

This type of financing is particularly beneficial for businesses that experience long payment cycles, work with large corporate clients, or need to maintain steady cash flow to meet operational demands. Instead of struggling with late payments, businesses can access their funds quickly and efficiently.

Who can benefit?

This financing solution is ideal for:

• Businesses with high cash flow demands – If your operations require consistent liquidity, this funding ensures you don’t experience financial bottlenecks.
• Companies experiencing rapid growth – Expand your customer base, offer better payment terms, and take on larger projects without waiting for invoice payments.
• Businesses looking for a flexible finance alternative – Unlike traditional loans, this option doesn’t require hard assets as collateral and offers quick access to funds.
• Companies working with corporate clients – If your business supplies products or services to large organizations, invoice-based finance ensures that delayed payments from clients don’t hinder your growth.
• Seasonal businesses – Companies that experience fluctuating revenue throughout the year can use this funding to stabilize cash flow during slower months.

Why traditional financing falls short

Many SMEs struggle to secure funding from traditional lenders because:

• Banks often view SMEs as high-risk.
• They demand excessive fixed or personal security.
• Their approval processes are slow and require extensive documentation.

Traditional lending institutions are not structured to meet the fast-paced demands of growing SMEs. Their strict credit requirements and long processing times make it difficult for businesses to access the funds they need when they need them most. In contrast, invoice-based finance is designed to provide quick, flexible, and scalable funding that grows with your business.

How debtor finance works

This financing model provides a fast and efficient way to unlock cash:

1. Submit your invoices, purchase orders, or contracts – The funder assesses their value and risk.
2. Receive funding – A percentage of the invoice value is advanced to your business at a discount.
3. Customer payment is collected – Once your client pays the invoice, the remaining balance is settled.

Unlike traditional loans, debtor finance is directly tied to your business’s sales and receivables. This means the amount you can access grows as your business expands, providing continuous support for scaling operations.

Why choose this solution?

• Quick decisions and funding – Proprietary technology enables approvals and disbursements within hours, not days.
• Minimal risk – Most funded invoices are from established or publicly traded companies, ensuring repayment reliability.
• No hidden costs – The cost structure is transparent, and monthly fixed operating costs remain low.
• No need for collateral – Unlike traditional loans that require property or assets as security, debtor finance is backed by your accounts receivable.
• Retain ownership of your business – Since this is not an equity-based solution, you maintain full control over your company.

The Impact

This financing solution has already unlocked over R2.5 billion for South African businesses across various industries, helping them scale, innovate, and create jobs.

Thousands of businesses have used this funding to:

• Invest in new projects and expansion opportunities.
• Improve supplier relationships by making faster payments.
• Take on larger contracts and fulfil bigger orders.
• Stabilize cash flow and ensure operational continuity.

Apply now for debtor finance

If your business needs immediate access to working capital, debtor finance could be the solution. Contact us today to find out how you can qualify and start leveraging your unpaid invoices for growth.

Our team is ready to guide you through the process and help you access the funding you need to take your business to the next level. Don’t let slow-paying clients hold you back—turn your invoices into cash and keep your business moving forward.