Who qualifies for invoice finance?
- Creditworthy debtors
- Trading 6+ months
- Recurring B2B invoices
South Africa
Invoice Finance for SA SMEs — apply once, compare lenders.
Advance up to 80% of outstanding B2B invoices instead of waiting 30–90 days.
No credit pull Instant score One application, many funders
At a glance
Amount
R100,000 – R20m
Turnaround
48–72 hours
Best for
B2B businesses
- Advance up to 80% of invoice value
- Stop waiting 30–90 days for payment
- Scales automatically with your sales
- No long-term lock-ins on most facilities
What you'll need to apply
Debtors age analysis
Sample invoices
Bank statements
Upload once on Funder — every matched lender sees the same pack.
How it works
Getting invoice finance on Funder
- Step 01
Check your fundability
Answer a few questions and get an instant readiness score — no credit pull.
- Step 02
Get matched to lenders
We rank lenders by approval odds, cost and turnaround for your profile.
- Step 03
Submit one application
Upload documents once. Multiple lenders review in parallel.
- Step 04
Compare offers & accept
Review terms side-by-side and accept the best fit.
Lenders
See all lenders Invoice Finance lenders we work with
No upfront fees
Funder is free for SMEs. Lenders pay us when you get funded.
Built for SA realities
B-BBEE, SARS tax compliance, CIPC and VAT logic baked in.
One application, many lenders
Stop re-submitting the same docs to every funder.
FAQ
Invoice Finance in South Africa — questions answered
What's the difference between invoice discounting and factoring?
With discounting you keep collections in-house and your customers don't know. With factoring the lender collects from your debtors directly. We match you to both.
Which debtors qualify?
Established, creditworthy B2B customers — typically corporates, government, or large SMEs. Consumer invoices generally don't qualify.
How much does invoice finance cost in South Africa?
Typically a 1–4% discount fee on the invoice value plus a service charge. Effective cost depends on debtor payment days.
Explore invoice finance by segment
Tailored pages for industry and revenue band.
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Ready to see what you qualify for?
Get your free Fundability Score, see your matched invoice finance offers, and apply once.