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Debtor Finance

Giving you the ability to unlock funding using your debtors and other assets

Make the move
businessman walking in the street with reflection in glass

Client eligibility

Running a successful business takes endurance and drive, and we are here to walk the journey with you, offering our renowned private banking service for your medium-sized business.

>R30m

Annual turnover required for a financing solution

3 years

Profitable trading history

2 years

Audited financial statements
Optimise your working capital by bringing forward the cash due on your debtors book.
debtor-finance-process

Our borrowing base funding leverages your balance sheet to get the working capital your business needs.  We do this by deriving a calculation that takes into account the quality and composition of your asset base and linking this to your business growth and historical trends.  While the determination of available funding is directly linked to the receivables of your business, our solution is simpler than invoice discounting and can also consider an inventory financing solution, and in certain instances use plant and equipment, and property as part of the collateral base.   

Want to learn more about the uniqueness of our working capital finance?

Client enquiry

Let us know more about you by completing the sections that follow.

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Please note: We will require audited/compiled financials to consider your application.
 
Which service(s) do you require? * (Select all that are applicable)

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Please provide your personal details below
*

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Our borrowing base solution affords you the ability to:

  • Increase liquidity

    Increase your liquidity by relieving the opportunity cost of having cash tied up in your debtors and stock

  • Access growth funding

    Access funding in line with the growth of your asset base

  • Optimise efficiencies

    Enhance the funding of your daily operations

  • Fund cyclicality

    Maintain your operating cash flow in line with the cyclicality or seasonality of your business

  • Control spend

    Only pay for what you use

  • Optimise cash flow

    Alleviate financial pressure on your business by only paying interest and not capital

A team that thinks about your business like you do

We are more than just commercial lending, appreciating that your business is a lot more than a set of numbers and financial statements. We also know that business can be complicated.

 

Our value is that we can provide the right funding at the right time, allowing you to capitalise on opportunities and optimise your ability to grow profits.

Right-sizing the lend to your requirements

Our form of asset-based lending caters for ‘head-room’ limits that can unlock funding in line with the growth of your qualifying asset base. 
We are also able to blend revolving and term debt facilities to optimise the working capital mix for your short and longer-term growth requirements. 

Interested in some of our other commercial lending offerings?

Trade Finance

Looking to release the cash you have tied up in the purchase of stock? Our bespoke trade finance solutions give you the headroom to grow.

Find out more about trade finance

Insights from Investec Focus

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Statutory information


Investec Business and Commercial Banking, a division of Investec Bank Limited. Reg. No. 1969/004763/06. An authorised financial services provider (FSP No. 11750). Investec is committed to the Code of Banking Practice as regulated by the National Financial Ombud Scheme. Copies of the Code and the Ombudsman's details are available here.

For full regulatory disclosures, click here.