Invoice Factoring
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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
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
"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
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
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
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
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
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
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
"Skip the bank’s rigid requirements. While a bank demands heavy security and long-term debt, we use your invoices as the asset. It’s the fast, flexible way to unlock funding that traditional lenders often miss
Only pay for what you use. We negotiate a simple daily rate, so your costs stop the moment your customer pays. It’s like a flexible credit line that scales with your business—affordable, transparent, and completely under your control
It is important to remember that we do not loan you money and you don’t pay it back. We buy an asset at a discount and we get paid by your Customers. The discount that we withhold at the time of the purchase is our fee for providing the service.
We build security into every deal. If a customer defaults, we work with you to keep your cash flow moving—either by swapping the invoice for another or utilising Credit Insurance. We’ve designed our process to protect the health of your business even when your clients are slow to pay
We pride ourselves in our quick application and approval process. If all the requested information is received from you, we will provide an answer in 4-5 working days. Once you are a registered client, we can fund within 24 hours after we receive a funding request.
Once you apply, we’ll reach out with a short checklist to get you started. Usually, all we need is your CIPRO docs and a Debtor’s Age Analysis. It’s a simple, one-time setup to unlock your first round of funding
Flex Capital is the fast, effective invoice factoring solution that injects cash flow into your business.
info@flexcap.co.za
321 Alpine Way, Lynnwood, 0081
Trading Hours: Mon-Thurs 07:30 - 16:00 Friday 08:00 - 12:00
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