Merchant Factors

Managing a business means carefully balancing cash flow, especially when waiting for customer payments to arrive. Whether you’re a small business covering payroll or a growing company looking to seize new opportunities, a bank overdraft facility or invoice factoring can offer the financial support you need. For businesses of all sizes, cash flow is critical, […]

Strong supply chain relationships are essential to keeping your business running smoothly, but cash flow problems can easily strain these connections. When payments are delayed, suppliers may deprioritise your orders, tighten credit terms, or even withhold shipments, leading to production delays and disruptions in your supply chain. Invoice factoring offers a solution. By selling unpaid

How you manage your cash flow can make all the difference between a successful, profitable business and a business trapped between debt and unhappy customers and employees. Did you know 82% of small businesses actually fail due to poorly managed cash flow? (Myos, 2023). Even a profitable business can quickly spiral into financial trouble if

The transportation and logistics industry keeps goods moving, but cash flow challenges can stall progress. Could invoice factoring be the solution? Here’s what you need to know to support your business and improve cash flow in today’s increasingly digital and sophisticated environment. Table of Contents: A Picture of the Transportation and Logistics Industry Common Concerns

Managing payroll, supplier payments, and unexpected expenses (all the while waiting for customer payments to come through) is a daily struggle for CEOs and CFOs in South Africa. To stay afloat, you must take action to optimise your cash conversion cycle (CCC). This metric tracks how quickly you turn your investments into cash, and improving

For small to medium-sized enterprises grappling with the ups and downs of growth and operational demands, waiting 30 to 90 days for invoice payments isn’t just inconvenient – it’s often unsustainable. This is where invoice factoring comes into play as a strategic tool for financial management. In 2021, the global invoice factoring market was valued

Effective cash flow management will remain critical for small and medium enterprises (SMEs) navigating the complexities of today’s economic landscape in 2024. With 82% of small businesses struggling due to poor cash flow management, the pressure is on to evolve. This year, we see SMEs leveraging groundbreaking technologies like artificial intelligence (AI) and cloud-based enterprise

Confidence in the government’s efforts to support their development has risen among South Africa’s small-to-medium enterprises (SMEs), now standing at 59%. This leap reflects a 12% point increase from the last quarter and 4% over the past year. Such optimism among SMEs is encouraging, especially in light of the recent budget speech. This year’s forecast,

Are you a small-to-medium-sized enterprise struggling to pursue ambitious growth strategies because you lack financial backing? This is where post-commencement finance (PCF) can help. PCF allows you to cover critical expenses and invest in key growth areas without compromising your long-term vision. It’s a chance for you to turn financial adversity into an opportunity for

In 2024, South African small businesses are operating in an economic landscape marked by high unemployment rates, fiscal constraints, the ongoing impact of the global pandemic, upcoming elections, and wars within and beyond our country’s borders. Amidst these challenges, businesses are pursuing financing options to sustain their growth. Factoring has emerged as a viable option,