The story of why I started Growth Finance

About me

When I was a commercial attorney, I often worked on transactions where large companies were acquiring smaller ones. A recurring theme stood out: Cash flow.

Even profitable, well-run SMEs will struggle with cash flow. Not because they lack customers, but because they have to wait sometimes up to 120 days to be paid. When I shifted from commercial law to corporate finance and private equity, I saw the same pattern.

Businesses with real potential were struggling to keep up with supplier payments, deliver on new orders, or worse, being pushed into distress or liquidation. There had to be a better way for this to work.

about gareth

In 2017, when I had the time to dedicate myself fully, I founded Growth Finance to tackle this problem head-on.

Our goal is simple:

👉 Help SMEs turn invoices into cash on the day they’re issued.
👉 Protect them from the strain of long payment terms.
👉 Give them the breathing room to grow sustainably.

For me, this isn’t just about finance. It’s about supporting the owner-operators who take risks, build jobs, and drive our economy forward.
SUPER SIMPLE FUNDING

Is invoice discounting for you?

You get immediate access to income you have already invoiced but would otherwise only receive from your customer at a future date (30 or 60 days later) because of your agreed payment terms. Discounting invoices enables your “terms” business to run as a COD business. You then enjoy all of the benefits of a cash business whilst being able to give your valuable customers payment terms; often a stronger negotiating tool than lower prices. Invoice discounting accelerates your cash flow and opens up so many trading options.
FAQs

How does it work?

1. Deliver your products (or services) to your customers and invoice them on your normal 14, 30- or 60-day payment terms
2. When you need access to cash flow, send one or more of your outstanding invoices to us
3. Your customer confirms the invoice
4. We pay you up to 80% of your invoice immediately
5. Your customer pays the invoice directly to us
6. When your customer pays, we pay you the other 20% of your invoice less our fee

Is invoice discounting for you?

Looking to grow turnover?

New customer requires a 45-day account, but your cash flow won’t stretch?

Landed that dream order and need access to your cash locked in your debtor’s book?

Unexpected business expense?

Is your bank not ready to grant or extend your overdraft?

Yes?
Apply Now

Do you qualify?

Time in business

6 months or more of revenue

Annual turnover

R1m +

Location

Registered in South Africa

Our clients say

“During the wet winter season, it’s crucial that we have cash in our hands all the time to ensure a constant supply of timber. Growth Finance makes that possible”

Jermaine DavidsMD, Wellington Pallets

“Green Life Africa Chemicals (Pty) Ltd has been dealing with Growth Finance since our inception. We have found them to be very responsive and efficient in meeting our funding needs. Their turnaround times are quick and our business has grown as a result of our relationship with them. We can strongly recommend dealing and working with Growth Finance”

Quentin MitchellCFO, Green Life Africa Chemicals (Pty) Ltd

“Growth Finance helps us manage our corporate clients’ longer payment terms so we don’t have to inject new capital into our business.”

Ulrico DavidsJCE Enterprises

“I was apprehensive to start with but it's literally only due to taking the leap with you and Growth Finance that we have been able to almost double our production. We hovered around the 50 to 60 bin mark for 10 months of 2021 and then hit 71 in November and 99 in December. Planning on making 100 bins our minimum from January.”

Riaan de LangeHose 24


"I don't have words, but to say thank you does not seem enough. You guys are ROCKSTARS, and for being there where we small businesses need someone like Growth Finance as partners."”

Stanford JacobsAstra | valuations

"Good day,

Thank you very much for your swiftly reply! It's highly appreciated! Last time that we met you explained to me about Growth Finance and how it works, I'm aware of that. I think you're the best person I have met and always advise me on the right way for my business. Your personal involvement with me and my business, means the world to me.

Thank you very much."

Heinrich MyburghHKM Logisticks