Invoice Factoring

OUR SERVICES

What We Provide

We do more than fund businesses; we fuel their growth. At Flex Capital, we believe your assets should work as hard as you do, turning your unpaid invoices into the immediate capital you need to scale

Application Completion

Apply in minutes—no fees, no hidden costs, and zero long-term commitments. We handle the paperwork so you can get back to running your business while we secure your cash flow

Pre-Approval Process

"Get pre-approved in as little as 3 days. Our expert credit team performs a deep dive to ensure your funding is secure and sustainable. While your first transaction takes up to 5 days to set up, every payout after that is built for maximum speed

Client Notification

Strengthen your client relationships with clear communication. We help you notify your debtors of their updated payment terms, ensuring total transparency and setting the stage for a professional, seamless partnership

Funding Agreement Signature

Once you’re pre-approved, we’ll send over your custom funding agreement. Simply review and sign to finalise the partnership and start converting your invoices into instant working capital

Invoice Submission

Get paid the same day you submit. Once your agreement is active, simply upload your invoices and we’ll start processing your payout immediately. No delays, no waiting—just instant cash flow

Same-Day Payout

Get up to 75% of your invoice value in your account today. We provide immediate cash based on your client's strength, giving you a fast, transparent way to bridge the gap between work and payment

FAQ

Have questions about our services?

Everything you need to know, all in one place. Get full transparency on our fees, timelines, and how we partner with you to accelerate your cash flow—no guesswork required

If You Need Help, Get A Consultation

Stop waiting 60 days to get paid. Your invoices are assets—not just pieces of paper. We buy your outstanding invoices today, giving you up to 75% of their value instantly so you can reinvest in your growth without the wait

Flex Capital Business Funding Invoice Factoring Invoice Discounting Cashflow for your business Business cashflow Alternative funding

    Pre-Apply for Invoice Factoring

    Our team will review your details and get back to you.








    Remember: We only fund business debt and do not fund government or individual debtors.



    Please note: Flex Capital does not fund outstanding invoices valued between R0 and R99,999.

    Unfortunately, we cannot assist with government debtors


    Flex Capital’s invoice factoring solution is available for qualifying
    business-to-business invoices only.


    More Information

    Unfortunately, we cannot assist with individual debtors


    Flex Capital does not fund invoices owed by private individuals.
    Our invoice factoring solution is designed for business-to-business invoices.


    More Information


    Flex Capital focuses on South African-based businesses and does not facilitate cross-border or international funding.