Invoice factoring allows you to sell unpaid invoices for immediate cash flow. We advance up to 80% of your invoice value, with the remainder paid once your customer settles the invoice.

SMEs with at least six months of revenue history, an annual turnover of R1 million, and a registered business in South Africa.

Our fees vary based on the size of the invoice and the client’s payment terms. Fees are transparent and agreed upon upfront—no hidden costs. You’ll only pay a service fee when the customer pays their invoice.

Once approved, you can access funds within 24-48 hours. The application process is quick, with approval typically taking a few business days.

Yes, as part of the process, customers are notified to pay us directly. However, we maintain professionalism and protect your client relationships.

Ideal for SMEs needing to improve cash flow while waiting for client payments. Common industries include retail, agriculture, manufacturing, tech, and creative sectors.

No, it’s not a loan. You’re selling your invoices for immediate cash flow, so there’s no debt or long-term liability.

Simply submit your business details and the invoices you want to factor. We assess your application and respond within a few business days. Once approved, you receive up to 80% of the invoice value immediately.

Yes, you can choose which invoices to factor based on your cash flow needs.

If a customer delays payment, we’ll work with you to manage the situation. It’s important to maintain communication with your clients.