You’ve landed the dream: a major contract with a corporate giant. Your orders are soaring, and your business is thriving. There’s just one catch: big companies operate on their own clock. They demand 30, 60, or even 90-day payment terms, turning your hard-earned revenue into cash trapped in a waiting game.
Meanwhile, the real world doesn’t pause. Staff need to be paid, materials need to be bought, and that next massive order is due next week—with penalties for delay. The frantic search begins: “We need a loan to buy materials!” or “Urgent working capital needed!”
But what if a loan isn’t the fix?
A loan is a band-aid on a systemic problem. It injects a lump sum of debt, but it doesn’t change the fact that your customer’s payment cycle is the real culprit. You borrow R250,000, buy more materials, and you’re right back where you started, waiting 30 to 60 days to see that money again. Worse, from month one, you’re forced to repay that loan, shrinking your new capital before it even has a chance to work for you. The solution isn’t external debt. It’s been hidden in your business all along.
Tucked away on your balance sheet is your Accounts Receivable—your business’s most liquid asset. It’s a dormant pile of cash just waiting for your customers to pay. At Growth Finance, we’re not lenders. We’re cash flow partners. We specialize in unlocking the cash trapped in your debtor’s book, allowing you to get paid the day after you invoice instead of waiting 30 days. It’s like running your business on a Cash on Delivery (COD)
basis, but for credit sales.
This is more than a quick fix; it’s a smarter way to finance your business. Because our funding scales as a percentage of each invoice, your funding line grows precisely as your business grows. This powerful, self-sustaining model frees up your own cash immediately. So, here’s a challenge for you: what would you do if your biggest customer called this morning to extend their payment terms to 60 days? Stop borrowing to fix a cash flow problem and start partnering to unlock your own capital.
Ask Gareth at Growth Finance to walk alongside your business and show you how. You can reach him here.
