Invoice finance and factoring in South Africa.
You send an invoice to a business customer on 30 / 60 / 90 day terms. The lender advances you 80–90% of the invoice value immediately and settles up (minus their fee) once the customer pays. Costs scale with how long collection takes. Works on individual invoices (selective) or against a whole debtor book (factoring / discounting).
Is Invoice finance a fit?
Green flags
- You invoice other businesses (not consumers) and wait 30+ days to get paid.
- Your customers are creditworthy — the lender’s risk is on them, not you.
- You’d rather not take on a term loan just because of slow-paying clients.
Red flags
- You invoice consumers or trade on COD — there’s nothing to discount.
- Your clients often dispute or short-pay invoices.
- One client makes up most of your book — concentration risk kills pricing.
Lenders on Frank's invoice finance panel
Geddes Capital
✓ VerifiedTrade and import finance to help you pay suppliers before your customers pay you.
FAQ
What is invoice finance in South Africa?+
You send an invoice to a business customer on 30 / 60 / 90 day terms. The lender advances you 80–90% of the invoice value immediately and settles up (minus their fee) once the customer pays. Costs scale with how long collection takes. Works on individual invoices (selective) or against a whole debtor book (factoring / discounting).
Who does invoice finance typically fit?+
You invoice other businesses (not consumers) and wait 30+ days to get paid. Your customers are creditworthy — the lender’s risk is on them, not you. You’d rather not take on a term loan just because of slow-paying clients.
How fast can I get invoice finance?+
Speeds vary by lender — anything from same-day to a few weeks. Frank shows you the typical decision time per lender on the panel, and your specific application can go faster or slower depending on the docs you already have in hand.
Do I need to be registered with CIPC?+
Most SA lenders want to see a registered entity (PTY or CC) that's been trading for a minimum period — usually 6-12 months, occasionally less. Sole traders have fewer options, but Frank still shows what's available.
Does Funded by Frank charge a fee?+
No. Frank is free to use for businesses. We earn a referral fee from the lender if your application is successful — that doesn't change the rate or terms you get from them.
Is Funded by Frank a registered FSP?+
No. We're a funding guide — we explain products and introduce you to lenders. We do not provide financial advice as defined by the FAIS Act. Any credit agreement is directly between you and the lender.
Other funding types
Not sure if this is the right fit? Let Frank walk you through it.
Answer a few quick questions about your business and Frank will show the funding shapes that typically fit — with the lenders who offer them.
See your funding options