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Bridgement business finance

Invoice
Finance

Access funds based on outstanding invoices to manage your cash
flow through Bridgement’s Invoice Finance facility.

  • Apply in 2 minutes
  • Control Payouts
  • No hidden costs

See
why
business
owners
choose
us

Lightning fast

Apply online in 2 minutes, get funds in your account within hours. No paperwork means you’ll get on with your business in no time.

Unmatched flexibility

Settle early when it suits you and get rewarded with a discount. No prepayment penalties and no cancellation fees.

Full transparency

Always know the exact cost and only pay for what you use. No hidden fees or application charges. No surprises.

Maximum control

You decide how much to draw and when. Access your Bridgement online dashboard 24/7 and request funds instantly.

This is how it works

How
to
use
a
Brigement
Invoice
Finance
facility

01. Select amount

Once approved, choose any amount up to your limit that you would like to withdraw.

02. Receive funds

View and accept the fee and repayment schedule – the funds will be sent your way immediately.

03. Pay us when it suits you

Pay us back over 1 to 12 months. Settle early at any stage and get rewarded with a discount.

Awards
and
recognitions

Join thousands of businesses we’re already supporting

Capital unlocked
R
2
b
i
l
l
i
o
n
+
SMEs connected
5
0
,
0
0
0
+
Highly rated
4
.
8
/
5

A new way to do invoice discounting

Features
Traditional Business Loans
Online, instant & paperless

Apply in minutes, get funds in hours. No lengthy forms or paperwork.

One simple transparent fee

Easy-to-understand pricing without complex fee structures. No facility/monthly fees.

Flexible

Get approved once, repay and re-use your business loan facility many times over.

Prepayment discounts

Save on the outstanding finance cost when settling your business loan early.

Submit your online application and get approved for a business loan facility today – no fee to apply and no commitment to use the funds.

Apply nowApply now

Keep in mind: A single fixed finance cost is charged per withdrawal and you’ll always know the cost before agreeing to anything. The finance cost quoted is your total cost and there are no additional interest, account fees or application charges.

New
to
invoice
financing?

Here are some frequently asked questions or you can view more FAQs.

How does invoice financing work?

Basically, invoice financing turns your unpaid invoices into cash. It’s a form of financing where you can get an advance on funds that you’ve already invoiced your customers for. You borrow money against the amounts due from your customers. This can help you improve your cashflow situation so that you can pay your business expenses, suppliers and employees. A key benefit of Bridgement’s invoice financing is that you’ll receive 100% of the value of your unpaid invoices (instead of the usual 70-80%) and the transaction is completely undisclosed. This means your invoiced clients will be kept unaware of the fact you’re getting invoice finance.

How much does invoice financing cost?

Bridgement charges a single fee for each invoice advance you receive. This single fee is the total cost of finance and there are no other fees or interest charged. There are also no fees to apply and no ongoing monthly facility fees. Our pricing is completely transparent and upfront – you will always know the exact cost for each invoice advance you take from Bridgement. The rate you’re charged will depend on a number of factors including your business situation, your receivable invoice and the quality of your debtors book. You’ll also qualify for a better rate the more you use your Bridgement facility and once you’ve built up a track record. View our pricing calculator to get a sense of what your rate could look like.

Why use invoice financing?

If you don’t have a long credit history or substantial assets, you’ll find it hard to apply for traditional business finance through a bank. What’s more, bank financing can take months to get approved. Bridgement invoice financing offers South African business owners a convenient, fast and flexible way to deal with late paying customers and get financing when you need it. The online application process is quick, simple and headache-free.

What is the difference between invoice financing or invoice discounting and invoice factoring?

Invoice factoring, also known as accounts receivable factoring or debtors factoring is a similar concept to invoice financing or discounting, but there is one fundamental difference. Essentially with factoring, the company requesting funding does not retain ownership of the invoices and the lender, also known as the factor, assumes responsibility of these – collecting payments from the customers directly. When the customers pay their invoices, the factor deducts its fees and the discount, and the remaining amount is remitted to the company.

Trusted by thousands of happy business owners like you

Ready to grow your business?

Get
instant
approval
for
up
to
R5,000,000

Apply nowApply now