Take on the next contract
Fund labour, materials and delivery costs without waiting for the previous invoice to clear.
Invoice factoring
Turn unpaid invoices into working capital.
Access cash tied up in approved B2B invoices. Keep your business moving while your customers pay on their usual terms.
◆ Initial assessment takes 1–2 minutes and does not guarantee approval.
R500k–R50mFacility range available
30–90 daysTypical invoice payment terms
RevolvingLimit restores as invoices are paid
Selective useFactor only the invoices you choose
Could your business qualify?
Check the starting indicators before completing the assessment.
Funding for cash-flow control
Built for businesses with strong customers—and slow payment cycles.
30–90 days
Convert approved invoices into usable cash
Invoice-to-cash pathway
Revolving facility
Approved invoice
Eligible customer invoice selected
Working capital
Cash released before payment date
Customer settles
Facility replenishes when paid
A more considered way to fund
You have earned the revenue.
Why wait to use it?
Invoice factoring releases working capital against approved invoices. It is designed for established South African B2B businesses that need liquidity without adding fixed monthly repayments.
01
Access cash already tied up in your business
Use approved invoices to fund operations, stock, payroll or new work while customers follow their normal payment cycle.
02
Use one revolving facility
Your available limit replenishes as factored invoices are settled, ready for the next funding need.
03
Keep control of when you draw
Choose which approved invoices to factor and use only the amount your business needs.
Cash flow with a job to do
What could faster access to revenue unlock?
Invoice factoring works best when the released cash supports a clear commercial outcome.
Pay suppliers on time
Protect supplier relationships and negotiate from a stronger cash position.
Meet payroll with confidence
Keep your team paid while corporate customers work through longer payment cycles.
Buy stock when timing matters
Secure inventory or supplier discounts before an opportunity passes.
Smooth uneven cash flow
Bridge the timing gap between completed work, invoicing and customer settlement.
Keep reserves available
Avoid using all your cash reserves to carry customers who pay on extended terms.
Simple, not simplistic
One facility.
Three clear steps.
The facility is established around your business and debtor profile, then reused as qualifying invoices arise.
1
Apply and get approved
Submit your business information, financials and debtors book. The funder assesses your business and customer profile.
2
Submit approved invoices
Choose the full or partial invoice values you want to factor when your business needs working capital.
3
Access cash and replenish
Funds are released. When the debtor pays, the available facility limit restores automatically.
Important:
Full approval typically takes 1–4 weeks and includes document review, onboarding and a site visit.
Read the FAQs →
Know where you stand
The essentials, upfront.
These are the common starting indicators for an invoice factoring facility.
Minimum 2 years trading history
A proven operating history helps the funder assess the stability of your business and debtor book.
R2 million+ annual turnover
The business should generate established turnover supported by financial statements and bank activity.
B2B invoices on payment terms
The facility is intended for businesses invoicing credible companies on agreed 30, 60 or 90-day terms.
Financials and debtors book available
Current financial information and a detailed debtors book are required for the full assessment.
Meeting the initial indicators does not guarantee approval. Final facility size, pricing and terms depend on the business, invoice quality, debtor concentration and the funder’s complete risk assessment.
“Cash flow should follow the work—not the customer’s payment timetable.”
Invoice factoring helps established businesses protect momentum without turning every cash-flow timing gap into a new fixed repayment.
01
One revolving facility can support multiple qualifying invoices as your business continues trading.
Straight answers
Before you apply.
A business owner should understand the structure, disclosure and documents before starting an application.
Is invoice factoring the same as a loan? +
No. It is a revolving debtors-finance facility secured against approved invoices. There are no traditional fixed monthly instalments; funding is settled from invoice payments.
Do I need to factor all my invoices? +
No. You choose which approved invoices to factor and when to use the facility.
Will my customers know? +
Yes. This is a disclosed facility. Debtor communication and the change in payment instructions are handled professionally and sensitively.
What documents are required? +
CIPC documents, annual financial statements, current management accounts where applicable, a current debtors book, existing facility letters and six months of business bank statements are generally required.
How long does approval take? +
Full approval typically takes 1–4 weeks, depending on document completeness, responses to queries, onboarding and the required site visit.
Are there monthly or unused facility fees? +
The current product structure does not charge monthly activation or non-usage fees. A discount fee applies when an invoice is factored, subject to final approved terms.
Move with clarity
Find out what your invoices could unlock.
Complete the initial assessment and receive clear feedback on whether invoice factoring may suit your business.
No obligation
Guided assessment
Clear next steps