- Grow and protect your customer base by extending payment terms
- Secure early settlement discounts from your suppliers
- Optimise your cash flow to create efficiencies
- Tailor bridging finance structures to suit your business.
Working Capital Finance
We Offer The Following Solutions:
- Short Term loans (Bridging Loans)
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Suited for businesses with seasonality, thus alleviating cashflow constraint in low sales months.
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Must show strong cashflows, sound balance sheet and business model.
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Tenure is maximum of 12 months.
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Non revolving facility.
- Invoice Discounting (Full Book and Single Debtor Discounting)
- Full book Invoice Discounting
- Can be confidential or disclosed.
- We take cession of your debtors.
- Client continues to collect and manage their debtors.
- Debtor receipts are swept into a designated bank account.
- Maximum advance 80% of fundable Debtors.
- Revolving facility, reviewed annually.
- Selective/Single Invoice Discounting
- We purchase the current and future invoices of a debtor.
- Fully disclosed facility.
- Debtors acknowledge our interest in the debt and consent to cession.
- Should we consider Confidential Discounting, we would require Credit Guarantee on the client.
- Debtor pays directly into a designated bank account.
- Maximum advance 80% of outstanding invoices.
- Credit terms cannot be longer than 90 days.
- Facility is reviewed annually.
- Trade Finance, Stock Finance and Purchase Order Finance
- We provide upfront financing for local and international purchases, being stock or capital equipment.
- We pay the supplier by way of Letter Of Credit or Direct transfer, depending on credit terms.
- Maximum term is 90 days for local and 210 days for International.
- Revolving Facility, reviewed annually.
- Facility can be linked to Invoice Discounting or Asset Finance Agreement. Thus easing the working capital cycle.
- Suited for businesses with seasonality, thus alleviating cashflow constraint in low sales months.
- Must show strong cashflows, sound balance sheet and business model.
- Tenure is maximum of 12 months.
- Non revolving facility.
- Full book Invoice Discounting
- Can be confidential or disclosed.
- We take cession of your debtors.
- Client continues to collect and manage their debtors.
- Debtor receipts are swept into a designated bank account.
- Maximum advance 80% of fundable Debtors.
- Revolving facility, reviewed annually.
- Selective/Single Invoice Discounting
- We purchase the current and future invoices of a debtor.
- Fully disclosed facility.
- Debtors acknowledge our interest in the debt and consent to cession.
- Should we consider Confidential Discounting, we would require Credit Guarantee on the client.
- Debtor pays directly into a designated bank account.
- Maximum advance 80% of outstanding invoices.
- Credit terms cannot be longer than 90 days.
- Facility is reviewed annually.
- We provide upfront financing for local and international purchases, being stock or capital equipment.
- We pay the supplier by way of Letter Of Credit or Direct transfer, depending on credit terms.
- Maximum term is 90 days for local and 210 days for International.
- Revolving Facility, reviewed annually.
- Facility can be linked to Invoice Discounting or Asset Finance Agreement. Thus easing the working capital cycle.