Invoice Factoring
Invoice Factoring That Keeps Your Cash Flow Moving
Accounts Receivable Financing for South African SMEs
Issuing an invoice is not the same as getting paid. For most B2B businesses in South Africa, the gap between sending an invoice and receiving payment is 30, 60, sometimes 90 days. That gap has a cost. Geddes Capital's invoice factoring closes it — we buy your invoices and put cash in your account, typically within 24 hours.
Unlike a loan, invoice factoring adds no new debt to your balance sheet. It simply converts what you are already owed into working capital you can use right now. We also handle collections on your behalf, so your team is not chasing payments while trying to run a business.
How we help your business thrive and grow with invoice factoring.
Instant cash injection
Invoice factoring helps SMEs cover expenses, fund growth, and manage day-to-day operations without waiting on clients to pay. With Geddes, you could have cash in your account within 24 hours of submitting your invoices.
Tailored financing
Our team of experienced financiers assesses each business individually, ensuring the funding solution aligns with your specific circumstances, debtor book profile, and cash flow needs. No blanket decisions.
Expert Advice and Collections Support
Beyond funding, Geddes provides hands-on support with credit management and collections. You benefit from our experience and resources without the overhead of managing debtors in-house.
Invoice Factoring
How does it work?
01
Submit your invoices
Upload your invoices through our online factoring platform. Our system verifies the invoices quickly and accurately.
02
Get instant cash
Your business receives immediate cash for the verified invoices, typically within 24 hours of submission.
03
We’ll chase your payments
Our expert collections team follows up with your customers efficiently and professionally, protecting your client relationships while recovering what is owed.
04
Receive remaining balance
Once your customer has paid, we settle the remaining balance with you after deducting our service fee.
05
Fund your future
With cash on hand instead of outstanding invoices, you can reinvest in stock, staffing, growth, or whatever your business needs next.