Business funding
Compare Invoice Finance in South Africa
Compare advances against customer invoices, including the advance percentage, fees and whether the funder can ask for the money back if the customer does not pay.
Funding eligibility, pricing and security requirements depend on the provider and the business. WiT Money does not approve credit or give a personalised quotation. Information checked 28 October 2026.
Before you compare
Factoring, invoice discounting, recourse and non-recourse are different contracts. A funder does not take the customer's non-payment risk unless the agreement says so. Funding usually depends on the invoice and the debtor, not on the business alone.
A limited company does not remove a director's liability under a valid personal suretyship. Security over a business asset and a personal undertaking are different promises.
Compare providers
The provider name links to the WiT Money profile. The gold button opens the recorded website. It is not an application.
7 of 7 products, in provider name order. A missing price is not shown as zero, and nothing is ranked as cheapest.
- Facility
- Up to 80% of invoice advertised
- Funding period
- Invoice collection linked
- Charges
- Daily/period charge; get quote
Eligibility. Verified delivery, invoice and customer
Security. Invoice assignment and recourse check
Advantages
- Dedicated invoice-led structure
Considerations
- Debtor payment delays affect costs
Notes checked 28 October 2026. Confirm the amount, the price and any surety with the provider. No National Credit Regulator number is shown on this card. A loan described as unsecured can still ask for personal surety.
- Facility
- R20k–R10m general facility advertised
- Funding period
- 1–24 months facility described
- Charges
- Fixed facility cost quoted
Eligibility. Business assessment
Security. Not necessarily a true invoice purchase; verify contract
Advantages
- Reusable facility
- advertised confidentiality
Considerations
- Financing may be a loan rather than invoice sale
Notes checked 28 October 2026. Confirm the amount, the price and any surety with the provider. No National Credit Regulator number is shown on this card. A loan described as unsecured can still ask for personal surety.
- Facility
- Up to R1.5m advertised
- Funding period
- Invoice-linked
- Charges
- Quote required
Eligibility. Government/SOE/large-corporate invoices
Security. Assignment and recourse check
Advantages
- Public-sector focus
Considerations
- Concentration and debtor risk
Notes checked 28 October 2026. Confirm the amount, the price and any surety with the provider. No National Credit Regulator number is shown on this card. A loan described as unsecured can still ask for personal surety.
- Facility
- Up to 80% of eligible invoice advertised
- Funding period
- Invoice-settlement linked
- Charges
- Invoice percentage quote
Eligibility. Solvent business, quality approved debtor
Security. Assignment/sale of invoices
Advantages
- Selective invoice financing
- stated no monthly administration fee
Considerations
- Debtor disclosure required
- eligibility strict
Notes checked 28 October 2026. Confirm the amount, the price and any surety with the provider. No National Credit Regulator number is shown on this card. A loan described as unsecured can still ask for personal surety.
- Facility
- Up to R5m advertised funding
- Funding period
- Depends on funding product
- Charges
- Personalised quote
Eligibility. Business performance
Security. Check contractual guarantee
Advantages
- Can finance cash gap
Considerations
- Marketing may describe general funding, not true factoring
Notes checked 28 October 2026. Confirm the amount, the price and any surety with the provider. No National Credit Regulator number is shown on this card. A loan described as unsecured can still ask for personal surety.
- Facility
- Depends on funder
- Funding period
- Depends on funder
- Charges
- Compare full lender quote and intermediary fee
Eligibility. Eligible issued invoices and debtors
Security. Varies by matched facility
Advantages
- One enquiry, different invoice solutions
Considerations
- Intermediary not the actual lender
Notes checked 28 October 2026. Confirm the amount, the price and any surety with the provider. No National Credit Regulator number is shown on this card. A loan described as unsecured can still ask for personal surety.
Confirm the current product page with the provider.
The button uses the public homepage.
- Facility
- Up to 80% of debtors book advertised
- Funding period
- Receivables linked
- Charges
- Quote required
Eligibility. Eligible accounts receivable
Security. Assignment/security of receivables
Advantages
- Potential cash-flow release
Considerations
- Availability and fees need confirmation
Notes checked 28 October 2026. Confirm the amount, the price and any surety with the provider. No National Credit Regulator number is shown on this card. A loan described as unsecured can still ask for personal surety.
Compare selected products
Choose up to three on this page. Prices are not ranked, because they are not the same kind of charge.
An invoice discount is not the same figure as a term-loan interest rate.
No products selected.
Estimate the cost
Type your own figures. Product cards do not fill these fields, because a published line is not a single rate you can drop into one formula.
What you may need before applying
Providers often ask for company or sole-proprietor details, bank statements, financial statements or management accounts, a cash-flow view, SARS documents, identity documents, and the invoice, order or supplier quote the funding is for. Not every provider asks for every document. The list is preparation, not a decision that you qualify.
Regulation
The National Credit Act does not apply to every business facility in the same way. A juristic person, the size of the facility and the type of agreement can change the position. No NCR number is printed on these cards. A marketplace is not the lender. FSCA authorisation, where a firm has it for another activity, is not shown here as permission to advance this facility.
How WiT Money compares these products
Each page keeps its own products. An invoice fee, an overdraft rate, a merchant factor and a term-loan instalment are not sorted against one another. Nothing is ranked as the cheapest or the easiest approval. A listed name is not a recommendation.
Other funding pages
Sources
Page updated 28 October 2026. A source date is the day WiT Money checked that page, not a promise the institution has not changed it since.
- National Credit Regulator
National Credit Regulator · checked 28 October 2026
- Financial Sector Conduct Authority
Financial Sector Conduct Authority · checked 28 October 2026