info@afg.africa
012 004 3026
info@afg.africa
012 004 3026

Invoice Discounting Finance

Online Application
First name and surname
Valid email address
Primary contact number
Registered business name
Trading history
Select 50 if >50 years
1
50
Business sector
Gross revenue
Select R10m if >R10m
100000
10000000
List your 3 major clients
Usual collection period
Select 120 if >120
30
120
Step: 
Jump To
Explained | Requirements | Ideal For | Costs | Process Overview
Jump To
Explained | Requirements | Ideal For | Costs | Process Overview

Turn your unpaid invoices into working capital.

Explained
  • AFG’s Invoice Discounting accelerates your cash flow by advancing up to 80% of outstanding invoice values - without waiting 30-90 days for client payments.
  • Retain control of your sales ledger and client relationships
  • Flexible facility – use it when needed, no long-term contracts
  • Confidential service (unlike factoring, your clients aren’t notified)
Explained
AFG’s Invoice Discounting accelerates your cash flow by advancing up to 80% of outstanding invoice values - without waiting 30-90 days for client payments.
  • Retain control of your sales ledger and client relationships
  • Flexible facility – use it when needed, no long-term contracts
  • Confidential service (unlike factoring, your clients aren’t notified)
Requirements
  • Please ensure that you or your business meets the following criteria:
  • Minimum Turnover: R5 million per annum
  • Client Profile: Majority debtors must be established businesses
  • Trading History: 12+ months of operation
  • Invoice Quality: No disputes, with clear payment terms
  • Financial Transparency: Up-to-date management accounts
Requirements
Please ensure that you or your business meets the following criteria:
  • Minimum Turnover: R5 million per annum
  • Client Profile: Majority debtors must be established businesses
  • Trading History: 12+ months of operation
  • Invoice Quality: No disputes, with clear payment terms
  • Financial Transparency: Up-to-date management accounts
Ideal For
  • Growing SMEs needing to bridge payment gaps
  • Seasonal businesses facing cash flow fluctuations
  • Suppliers to corporates/governments with long payment terms
  • Businesses investing in new contracts or equipment
Ideal For
  • Growing SMEs needing to bridge payment gaps
  • Seasonal businesses facing cash flow fluctuations
  • Suppliers to corporates/governments with long payment terms
  • Businesses investing in new contracts or equipment
Costs
  • Simple Pricing: 3.5% per month (charged on the invoice amount)
  • No Hidden Fees: Transparent structure with no setup or early repayment penalties
  • Competitive Value: Typically, cheaper than short-term business loans
  • Flexible Use: Pay only for what you use - activate/deactivate anytime
  • Example: Discount a R100,000 invoice for 60 days = R7,000 total fee (R100,000 × 3.5% × 2 months)
Costs
  • Simple Pricing: 3.5% per month (charged on the invoice amount)
  • No Hidden Fees: Transparent structure with no setup or early repayment penalties
  • Competitive Value: Typically, cheaper than short-term business loans
  • Flexible Use: Pay only for what you use - activate/deactivate anytime
  • Example: Discount a R100,000 invoice for 60 days = R7,000 total fee (R100,000 × 3.5% × 2 months)
Process Overview
  • Deliver Goods/Services → Complete work for your client
  • Issue Invoice → Send an invoice with verified payment terms
  • Submit to AFG → Upload via our secure portal
  • Receive Funds → Get up to 80% advance within 24 hours
  • Client Pays → Your customer settles the invoice directly to you
  • Settle Balance → Remit the remaining 20% (minus fees)
Process Overview
  • Deliver Goods/Services → Complete work for your client
  • Issue Invoice → Send an invoice with verified payment terms
  • Submit to AFG → Upload via our secure portal
  • Receive Funds → Get up to 80% advance within 24 hours
  • Client Pays → Your customer settles the invoice directly to you
  • Settle Balance → Remit the remaining 20% (minus fees)
Start Your Application