Tailored to each business

Why Growth Finance?

We understand that your business is one-of-a-kind. That’s why our solutions are tailored to each business, case-by-case.

Traditional lenders may scrutinise your balance sheet, your years in operation and your assets before making a decision that could take more than a month to finalise. At Growth Finance, we do things differently. We’ll look at your business and your customers and let you know within 24 hours whether we will fund you.


What is Invoice Discounting?

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.


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?


Apply Now

Do you qualify?

Time in business

6 months or more of revenue

Annual turnover

R1m +


Registered in South Africa

Our clients say

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

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
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EMAIL: info@growthfinance.co.za
CALL: +27 (0) 21 680 5322