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How Invoice Factoring Works with Flex Capital

When your clients have extended payment terms, you can submit their approved invoices to Flex Capital for funding.

Flex Capital can advance 75% of the invoice value upfront, provided the client is creditworthy and has an approved credit limit and payment terms.

Once your client pays the invoice directly to Flex Capital, you receive the remaining 25%, less the agreed factoring fee.

Funding conditions

Flex Capital does not fund:

Government or municipal invoices

Cross-border transactions

Invoices issued to private individuals

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.