Most small and medium sized businesses experience cash flow challenges. We’re here to help you overcome these challenges by providing funding options so that you can focus on what matters, leading your business.



Debtor Finance, a form of Factoring, is the simplest way to fund your business growth and manage your cash flow effectively, without having to take on additional debt or extended lines of credit.

So why not use your current sales to fund your next order by using Invoice Discounting?

Firstly to clarify, the fundamental difference between Factoring and Invoice Discounting is in the costs associated with each offering – with Invoice Discounting being the simplest method to apply for as it has a fixed fee with no additional upfront charges.

The funding process is very simple; you make a sale and deliver the goods or service. The invoice and proof of delivery are then uploaded to Transaction Capital Business Solutions and we will immediately pay up to 75% of the invoice value less our minimal fee, into your bank account.

At the end of the month your dedicated credit controller at Transaction Capital Business Solutions will submit a statement to your debtor, collect the full amount owing and refund you the remaining portion less our minimal fee.

Factoring is commonly referred to as accounts receivable factoring, invoice factoring, and sometimes accounts receivable financing and should not be confused with invoice discounting. Factoring is the sale of receivables, whereas invoice discounting is a borrowing that involves the use of the accounts receivable assets as collateral for the loan.

As such, factoring is a comprehensive financial service that includes credit protection, accounts receivable, book-keeping, collection services and financing. Unlike traditional forms of working capital funding, factoring involves the outright purchase of the accounts receivable by the factor, rather than the collateralisation of a loan. Factoring allows businesses to effectively outsource their credit and collection functions to their factor.

Please fill in the form below and we will get back to you!

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Do you have a debtors book?
Do you have more than 5 debtors?
Is your turnover more than 6 million per annum?
Have you been in business for more than 2 years?
Do you trade with other businesses on 30 / 60 or 90 day terms?
Is the property bonded?
Is the property rented or occupied?