Working Capital
For operating needs, expansion and cash-flow timing. Depending on the business and financing institution, structures such as term financing or overdraft may be discussed.
Invoice financing / factoring
Turn Eligible Receivables Into Working Capital
Invoice financing or factoring may help eligible businesses access financing earlier against qualifying invoices or receivables, rather than waiting for customer payment terms. Eligibility depends on the receivable, buyer/customer, transaction and financing provider. Not every invoice qualifies.
A needs-based discussion of options. Eligibility depends on the business and the facility. Approval is not guaranteed.
What invoice financing may help with
Where invoices or receivables are eligible, these solutions may improve cash timing for working-capital cycles and customer payment terms. Eligibility, assignment arrangements and any recourse terms depend on the facility discussed.
- Accessing financing earlier against qualifying receivables
- Supporting supplier payments while waiting for customer collections
- Easing working-capital pressure as billed sales grow
- Managing receivable cycles and customer payment terms
- Discussing whether factoring or invoice financing may be more relevant
Situations where it may be relevant
These situations are common starting points. They do not mean the invoices will qualify.
Customers pay on 30 to 90 day terms
Sales are healthy, but collections are delayed
The business issues B2B or contract invoices
Cash is needed for suppliers or operating costs before payment is received
Growth is creating working-capital pressure
How it generally works
A receivables discussion usually starts with who the customers are and how invoices are issued.
01
Share the receivables picture
Tell us about typical customers, invoice terms and the amount you may wish to discuss.
02
Review eligibility in principle
Not every invoice or debtor profile is suitable. The team can discuss what may be relevant.
03
Discuss possible structures
If a solution may fit, assignment of receivables and information requirements can be explained in general terms.
Information that may be relevant
The documents requested depend on the receivables and the facility. The following is often useful.
- Sample invoices and customer payment terms
- An aged receivables listing, if available
- Company registration and recent financials
- Recent bank statements
- A note on how the funds would support operations
Eligibility and suitability
Invoice financing and factoring are subject to eligibility. Not every invoice, customer or receivable qualifies. Any arrangement involving assignment of receivables depends on the facility and the parties involved. Approval is not guaranteed, and cash is not immediate.
Already prepared with your company documents?Self Apply
Eligibility enquiry
Check Your Financing Eligibility
Share your business financing requirement with our team by WhatsApp or phone. There is no obligation, and contact does not guarantee financing or an automated credit decision.
- WhatsApp or phone for an immediate financing enquiry
- Needs-based discussion of options, not a guaranteed approval
- Ready with documents? You can also Self Apply on this website
Online enquiry submission is temporarily unavailable. For immediate assistance with your financing requirement, please contact our team via WhatsApp or phone. Messages and calls are not an approval or credit decision.
Primary / WhatsApp: 012-333 8500 · Secondary: 016-621 0392
Ready to submit supporting documents?Self Apply
Next step
Enquire About Invoice Financing
For immediate financing enquiries, contact our team via WhatsApp or phone.