Invoice Finance Calculator
Calculate the cost of debtor finance, invoice discounting or factoring. Unlock working capital tied up in your outstanding invoices.
Invoice Finance Details
The percentage of the invoice advanced immediately. Typically 70–90%.
Annual interest charged on the advance. Typical SA range: 2–5% p.a.
Expected days until your customer pays. E.g. 30, 45, 60, 90 days.
For full factoring where the provider manages collections
Enter your invoice details
We'll calculate the advance you receive, total cost, and annualised rate.
Invoice finance in South Africa — how does it work?
Invoice discounting allows you to borrow against unpaid invoices while retaining control of collections. Your customers typically don't know you're using the facility. You receive an advance (usually 70–90% of the invoice value) and repay once your customer pays, minus the lender's discount fee.
Invoice factoring involves selling your invoices to a factoring company (factor) who takes over the collection process. You receive the advance upfront, and the factor manages chasing payment. This is useful if you want to outsource debtor management, but your customers will know about the arrangement.
In South Africa, invoice finance is a popular working capital solution for SMEs in sectors like construction, staffing, transport, and manufacturing. Typical advance rates are 75–90% with discount rates of 2–5% per annum on the advance.
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.
Download the Finance EzyFind App
