Invoice Finance South Africa
Stop waiting 30–90 days for payment. Unlock up to 90% of your invoice value within 24 hours.
How Invoice Finance Works
You issue an invoice
Your business completes work and sends an invoice to your customer with 30–90 day payment terms.
Finance EzyFind matches you
We connect you with invoice finance providers suited to your industry, invoice size, and customer profile.
Receive advance (up to 90%)
The lender advances 70–90% of the invoice value, usually within 24 hours of approval.
Customer pays the lender
When your customer pays, the lender releases the remaining balance minus their fee.
Discounting vs Factoring — Which is Right for You?
Invoice Discounting
You retain credit control — your customers don't know a financier is involved. Ideal for larger businesses.
PROS
- ✓Confidential
- ✓You manage collections
- ✓Lower cost
CONS
- –Need strong credit control
- –Min turnover often R5M+
Invoice Factoring
The lender takes over collections from your customers. Best for businesses without dedicated credit control.
PROS
- ✓No collections admin
- ✓Available to smaller businesses
- ✓Easier to qualify
CONS
- –Customers know about financier
- –Slightly higher cost
Invoice Finance FAQs
Who can use invoice finance?+
Any B2B business with 30–90 day payment terms. Most useful for construction, staffing, logistics, and professional services businesses. Minimum invoice size typically R5,000.
How much does invoice finance cost?+
Typical costs range from 1.5% to 3% of the invoice value per month. Use our Invoice Finance Calculator to model the exact cost for your scenario.
Is invoice finance the same as a business loan?+
No — invoice finance uses your outstanding invoices as collateral. It's not debt on your balance sheet in the same way. Approval is based on your customer's creditworthiness, not just yours.
Ready to unlock cash from your invoices?
Get matched with SA invoice finance providers — free quotes, quick decisions.
Rates are indicative and subject to change without notice. Finance EzyFind is a free comparison and matching service — not a lender or credit provider. All lending is subject to the National Credit Act (NCA). Please borrow responsibly.
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A simpler way to prepare your application
Finance EzyFind acts as an aggregator. Complete one application and we submit it to suitable banks and finance providers on your behalf, much like a bond originator does for home loans. You do not need to start a separate application with each provider. For supported home-loan applications, AI can read documents such as bank statements and payslips, fill in details it can identify, and summarize income, expenses, and affordability for you to check. You stay in control and should correct anything that is missing or wrong.
For home-loan requests, the affordability summary can help you discuss practical ways to strengthen your application over the next month, three months, or six months. These are planning timeframes, not a promise of approval; document analysis and provider requirements vary by product.