Debtor finance for your business

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

investec-zebra-7
investec-zebra-7

Optimise your working capital by bringing forward the cash due on your debtors book.

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Our borrowing based 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?

Quantum of funding required: Your business needs to be able to support a minimum lend of R5m (working capital) and R1m (asset finance).

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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. 

Find out how your current assets can assist your company in obtaining the working capital it needs

Quantum of funding required: Your business needs to be able to support a minimum lend of R5m (working capital) and R1m (asset finance).

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Interested in some of our other business 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.

Asset Finance

Need the upfront capital to purchase the critical assets and equipment needed to grow your business? We have you covered.

Private Capital

We provide established entrepreneurs, business founders, and high net worth individuals with private capital solutions, transaction ideas, and access to Investec’s networks. Our commitment to you lies in our unrivalled service that aims to unlock or create value.

Specialised Finance

For larger corporates, collaborate with a team that has broad experience across the full range of debt products and markets, to benefit from a wide range of services designed to help your business grow.