Services

Sixteen facilities, three families.

Cash flow and invoices, orders and supply chain, or asset and property: every facility on our panel, with the advance rates, terms and documents each one needs.

Find your facility → Apply now

01 - Category

Cash flow & invoice funding

Unlock cash tied up in invoices, daily sales or a fixed facility.

6 products

Private Invoice Discounting

Advance up to 80% of an invoice issued to a private-sector customer, with the balance released when they settle.

Up to ~80% advance3–10 days

Advance rateTypically up to ~80% of invoice value

Funding speedTypically 3–10 days from approval

SecurityAccounts receivable / invoices

StructureCan revolve across multiple invoices

Documents needed

Financial statements6-month bank statementsDebtors & creditors ageingTax clearanceCIPC registration3 sample invoices

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Government Invoice Discounting

Advance up to 70% of an invoice issued to a government department, municipality or public entity instead of waiting out the payment cycle.

Up to ~70% advance3–5 days

Advance rateTypically up to ~70% of invoice value

Funding speedTypically 3–5 days

SecurityThe verified government receivable

PreconditionWork delivered and invoice submitted

Documents needed

Submitted invoiceOriginal PO or contractSigned delivery note or payment certificateCIPC registration

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Invoice Factoring

Receive an advance against eligible invoices through a factoring arrangement. Collection responsibilities and any recourse if the customer does not pay depend on the agreement.

30–120 days

TermTypically 30 to 120 days

SecurityAccounts receivable

Transaction sizeFacilities up to several million

Best forOne large invoice rather than a full book

Documents needed

Financial statements6-month bank statementsDebtors & creditors ageingCIPC registrationTax clearanceInvoice and proof of delivery

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Merchant Cash Advance

Unsecured funding sized off historical and projected turnover, repaid daily or weekly in line with trading cash flow.

UnsecuredOften within 24h

SecurityUnsecured: based on turnover, not assets

RepaymentDaily or weekly, linked to trading

ApprovalOften within 24 hours

Best forRetail and FMCG with daily sales

Documents needed

6–12 months bank statementsPOS or card machine turnover reportsCIPC registrationProof of business addressDirector ID

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Secured Overdraft Facility

Draw and repay against an approved limit secured by fixed property, with interest charged only on what is drawn.

Property securedRenews annually

SecurityFixed property

RenewalAnnual

Draw-downFlexible within the approved limit

InterestCharged on the drawn balance only

Documents needed

Financial statements6-month bank statementsTitle deedMunicipal accountCIPC registrationTax clearance

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Revolving Facility

Monthly interest only, with the capital settled at the end of the term. Available secured or unsecured.

Interest onlySecured or unsecured

RepaymentMonthly interest; capital repaid at term end

StructureSecured or unsecured

Best forOngoing access without large monthly capital

LimitSet against need and security available

Documents needed

Financial statements6-month bank statementsCIPC registrationTax clearanceSecurity documents where secured

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02 - Category

Orders & supply chain

Fund the order, the container and the supplier, before the customer pays.

6 products

Purchase Order Funding

A funding partner may pay your supplier directly against a confirmed private-sector purchase order, with repayment linked to your customer's settlement and the agreed terms.

From ~R250k3–5 days

StructureLoan, facility or profit share: funder paid when you are paid

Minimum deal sizeOften from around R250 000

Funding speedTypically 3–5 days once approved

SupplierPaid directly by the funder

Documents needed

Physical purchase order from the customerSupplier quoteCIPC registration

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Government Purchase Order Funding

Covers the supplier cost of fulfilling a confirmed government order, repaid once the department settles the invoice.

~60 day cycleQuotes above R250k

Typical termUntil delivered and invoiced, commonly around 60 days

Funding speedTypically 3–5 days

Minimum deal sizeSupplier quotes typically above R250 000

Best forSuppliers with a delivery track record

Documents needed

Physical purchase order from the government entitySupplier quote above R250 000CIPC registration

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Contract Finance

For goods or services delivered periodically under a fixed contract, with the contract itself used as security.

Contract securedMilestone draws

SecurityThe underlying delivery contract

StructureAligned to periodic delivery and invoicing

Draw-downReleased as delivery milestones progress

Best forTerm contracts rather than single orders

Documents needed

Signed copy of the contractFinancial statements6-month bank statementsCIPC registration

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Trade Finance (Inventory)

A credit limit for buying stock, with a repayment term of up to 180 days chosen per purchase. Pay only for what you use.

Up to 180 daysR1m – R30m

Credit termsUp to 180 days per purchase

Facility sizeTypically R1 million to R30 million

SecurityTrade receivables and stock, generally credit insured

BenefitsPay-as-you-go, early settlement discounts

Documents needed

Financial statements6-month bank statementsSupplier proforma invoice or quoteCIPC registrationImport/export documentation

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Supply Chain Finance

A shared platform for buyers and suppliers to manage payments and receipts across an ongoing trading relationship.

Platform-basedOngoing facility

DeliveryDigital platform, real-time tracking

ParticipantsBuyers and suppliers in one ecosystem

StructureOngoing rather than transaction-by-transaction

Best forEstablished supplier and buyer networks

Documents needed

Financial statementsCIPC registrationBuyer/supplier agreement or trading historyBank statements

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Embedded Supplier Finance

Your supplier is paid almost immediately by the funder while you repay over an extended term.

Supplier paid nowLonger buyer terms

Benefit to youExtended payment terms

Benefit to supplierNear-immediate payment

StructureFunder settles the supplier on your behalf

Best forNegotiating terms without straining suppliers

Documents needed

Supplier invoicesPurchase agreement or orderCIPC registrationFinancial statements

Apply for this facility →

03 - Category

Asset & property finance

Raise capital against what you own, or acquire what you need.

4 products

Asset-Backed Financing

Raise working capital against paid-up fixed assets (usually property) without selling them. Commonly structured to revolve.

LTV 40–50%12–14 days

Loan-to-valueTypically 40% to 50% of asset value

Term6 to 12 months, can revolve

Funding speedTypically 12–14 days

OwnershipAsset may be privately owned, in trust or another entity

Documents needed

Financial statements6-month bank statementsTitle deedMunicipal accountCIPC registrationTax clearance

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Asset Finance

Acquire machinery, trucks and other income-generating equipment without paying cash up front. Sale-and-leaseback also available.

12–48 monthsRental or instalment sale

TermTypically 12 to 48 months

StructuresRent-to-own, instalment sale, sale-and-leaseback

PaymentFunder pays the supplier directly

Asset typesWide range of moveable, income-generating assets

Documents needed

Supplier quote or invoice for the assetFinancial statements6-month bank statementsCIPC registrationProof of business address

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Property Bridging Finance

Unlocks cash tied up in a property sale that has not yet registered, advancing against the transferring attorney's guarantee.

Up to 80% of sale value3–4 months

AdvanceUp to 80% of the previous property's sale value

Term3 to 4 months, until transfer

Funding speedTypically 3–5 days

ExitAttorney guarantee settled on registration

Documents needed

Completed application formConveyancer transaction details / attorney's guarantee

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Secured Business Loans

A lump sum that amortises over 12 to 24 months, secured by whichever collateral the business can offer.

12–24 monthsAmortising

TermTypically 12 to 24 months

RepaymentAmortising over the life of the loan

SecurityVarious types of collateral accepted

Best forExpansion, capital projects, restructuring

Documents needed

Financial statements6-month bank statementsProof of ownership of the collateralCIPC registrationTax clearance

Apply for this facility →

Sixteen facilities, one application

Not sure which of the sixteen fits?

Four questions narrows it down, then we help you prepare your application and connect with suitable funding partners.

Find your facility → Apply now

Funded through Mutualism

Westonaria, Gauteng

Dee's Grill to Chill