Building South Africa’s future, one SME at a time.
Small businesses are the foundation of our economy. When SMEs thrive, South Africa thrives. We aim to provide the financial tools that empower you to grow, hire, and innovate, driving real change in your community and beyond.
Accelerate your cash flow and drive your business forward.
Cashflow today, growth tomorrow
Would you like to be paid on the day you issue your invoice instead of waiting 30 to 60 days? Now you can.
Today, small businesses struggle to grow because invoices usually are only paid between 30 – 90 days. SmallMedium.Biz gives you instant access to the cash flow you need to keep your business thriving. With flexible financing solutions for SMEs, you can unlock growth without long-term commitments or hidden fees.
Immediate cash flow boost
Get cash flow right after invoicing, allowing you to meet commitments and focus on growth. We provide your business with immediate funding on delivery of your invoice.
Fast, flexible financing designed for you.
Tailored funding solutions:
Our flexible invoice factoring adapts to your business needs. You’ll access funds when you need them, without long-term contracts.
Quick and simple process:
Apply online for fast approval and get transparent, straightforward funding to keep your business moving forward.
Transform your invoices into cash flow now.
Why wait 30, 60, or 90 days to get paid? Invoice factoring unlocks cash tied up in outstanding invoices, helping your business operate efficiently, like a cash-on-delivery operation. Use your cash flow to invest in growth, negotiate better client terms, and maintain efficient operations.
How it works
01.
Invoice your customers as usual, with standard payment terms (e.g., 30 or 60 days).
02.
When you need to improve your cash flow, send us your outstanding invoices.
03.
We immediately advance up to 80% of the invoice value.
04.
Your customers pay us directly.
05.
Once your customer pays, we release the remaining 20%, minus our service fee.
The benefits for your business
No more waiting for payments, which means a healthy cash flow.
No more stress around payday or purchasing extra stock.
Grow your client base by offering payment terms such as 30-60 days, knowing that we pay your invoices immediately.
Happy, satisfied customers, suppliers, and staff.
Is your SME a fit?
- You have at least six months of revenue history.
- Your business has an annual turnover of R1 million or more.
- You’re a registered business in South Africa.
Are you ready to fuel your growth?
Your business is driving South Africa’s future – let us help you accelerate that journey with fast, flexible financing.
We’re growing with you.
Keep an eye out for our upcoming programmes and tools:
Startup bootcamp
An intensive programme designed to take your idea from concept to reality. Learn the fundamentals of business planning, market analysis, and funding strategies from industry experts.
Growth accelerator
For established businesses looking to scale. Access advanced training, mentorship, and networking opportunities to propel your business to the next level.
Mentorship network
Connect with experienced entrepreneurs and industry leaders who can provide personalised guidance and advice tailored to your business needs.
Business plan templates
Streamline your planning process with customisable templates that cover every aspect of your business.
Funding resources
Access a comprehensive database of funding options, including grants, loans, and investor networks.
Market research tools
Gain insights into your target market with our research tools, helping you make informed decisions.
Legal and compliance guidance
Navigate the complexities of business registration, intellectual property, and regulatory compliance with expert advice and resources.
Online learning hub
Explore a library of courses, webinars, and workshops covering a wide range of business topics to help you stay ahead in the ever-evolving entrepreneurial landscape.