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Early Payment

bbbee funding Johannesburg South Africa


Cash flow is the lifeblood of any business.

So what do you do when this river runs dry?

Keep your business afloat during these tough times with factoring for South African businesses, otherwise known as invoice discounting. Put your debtor invoices to work by converting this valuable, potential asset into cash, quickly, easily and securely.

Fund4Biz provides Early Payment funding by means of Invoice Finance to ease cashflow challenges of qualifying businesses.  Businesses that have successfully invoiced a customer for a project or service can apply for up to 95% of the invoice value, and if successful, receive immediate payment.

This provides entrepreneurs with crucial cash flow to invest in their businesses and to fund new projects and services.  Renablist will then be responsible for collecting payment from the end customer on due date.


Complete Application

Complete the application with your personal and inoice details.

Receive Confirmation

We do credit checks and the turn around for a first time transaction is 4 -5 days

Submit Your Invoices

Email us scanned copies or upload them directly from Pastel or Quickbooks

We Pay Up To 95%

Percentage advance is dependant on the quality of the debtor & age of the debt.


It is the selling of your debtor invoices today for cash because you don’t want to or cannot wait for your debtor to pay you in 30 – 90 days. We pay you up to 80% of the invoice value and take a negotiated discount on the purchase as our fee. Your debtor invoices are an asset in your business and like any asset it can be sold.

It is a fast, flexible way to fund your business. Unlike a bank loan that requires to be securitised, the invoices you sell act as the security. It allows you to raise funding in instances where a bank loan is out of reach.

When we buy your invoices we negotiate a daily rate that is calculated from the day you receive the funds until your Customer pays the invoice. Think of it as an overdraft, you only pay for the time the funds are utilised. The transaction can be structured in such a way to make it very affordable.

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.

The nature of the transaction we offer you will determine the outcome in the event of a Customer default. In some cases, we will take recourse against you and exchange the invoices for another Customer’s invoices, or we could provide Credit Insurance in order to protect ourselves from non-payment.

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 we have received your application, we will inform you on what we need. Usually it will be CIPC documentation and your Debtor’s Age Analysis.

Complete the Application Form to ease your cash flow.


Applicants must be able to demonstrate that they meet our pre-qualifying criteria before being considered for funding support:

  • Applicants must operate within the sectors stipulated by Renablist from time to time.
  • Applicants must be willing to undergo due diligence and background checks
  • Be in business for at least 2 years.
  • Proof that the project or service has been completed to the satisfaction of the Customer.
  • Contactable Customer References.
  • SMME must be in possession of:
    1. A valid tax clearance certificate
    2. A valid BBBEE certificate or affidavit