{"id":22517,"date":"2022-09-01T12:43:27","date_gmt":"2022-09-01T12:43:27","guid":{"rendered":"https:\/\/swoopfunding.com\/za\/?page_id=22517"},"modified":"2026-03-03T08:19:45","modified_gmt":"2026-03-03T08:19:45","slug":"invoice-finance","status":"publish","type":"page","link":"https:\/\/swoopfunding.com\/za\/business-loans\/invoice-finance\/","title":{"rendered":"Invoice finance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"22517\" class=\"elementor elementor-22517\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f122861 e-flex e-con-boxed e-con e-parent\" data-id=\"f122861\" data-element_type=\"container\" data-e-type=\"container\" id=\"hero-title\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7411255 e-con-full e-flex e-con e-child\" data-id=\"7411255\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-585d3ac elementor-widget elementor-widget-heading\" data-id=\"585d3ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Invoice finance explained\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d3d600 elementor-widget elementor-widget-text-editor\" data-id=\"2d3d600\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center\">Invoice finance is a popular choice for many South African businesses. Instead of waiting weeks for payment, receive up to 95% of the invoice sum in just a day or two.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f4cc169 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"f4cc169\" data-element_type=\"section\" data-e-type=\"section\" id=\"product-page\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-93fb740\" data-id=\"93fb740\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-689d8a1 uael-heading-align-left elementor-widget elementor-widget-uael-table-of-contents\" data-id=\"689d8a1\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"styck-table-of-contents\" data-settings=\"{&quot;scroll_offset&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;115&quot;,&quot;sizes&quot;:[]},&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;],&quot;sticky_offset&quot;:&quot;130&quot;,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;scroll_offset_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;scroll_offset_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;scroll_offset_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_text_align&quot;:&quot;left&quot;,&quot;heading_bottom_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:15,&quot;sizes&quot;:[]},&quot;content_between_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\" data-widget_type=\"uael-table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"uael-toc-main-wrapper\" data-headings=\"h2,h3,h4\" >\n\t\t\t<div class=\"uael-toc-wrapper\">\n\t\t\t\t<div class=\"uael-toc-header\">\n\t\t\t\t\t<span class=\"uael-toc-heading elementor-inline-editing\" data-elementor-setting-key=\"heading_title\" data-elementor-inline-editing-toolbar=\"basic\" ><\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"uael-toc-toggle-content\">\n\t\t\t\t\t<div class=\"uael-toc-content-wrapper\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t<ul data-toc-headings=\"headings\" class=\"uael-toc-list uael-toc-list-none\" data-scroll=\"500\" data-scroll-offset=\"115\" ><\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"uael-toc-empty-note\">\n\t\t\t\t\t<span>Add a header to begin generating the table of contents<\/span>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1a6a189 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1a6a189\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-8c6db35\" data-id=\"8c6db35\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-98951c3 elementor-widget elementor-widget-ucaddon_breadcrumbs\" data-id=\"98951c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t <div id=\"breadcrumbs-container\" class=\"left\">\n <nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><\/p><\/nav> <\/div>\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef22ecf elementor-widget elementor-widget-ucaddon_last_updated\" data-id=\"ef22ecf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_last_updated.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n<div id=\"last-updated-container\" class=\"\">\n\n <script id=\"last-updated-schema\" type=\"application\/ld+json\">\n        {\n          \"@context\": \"https:\/\/schema.org\",\n          \"@type\": \"Article\",\n          \"headline\": \"Invoice finance\",\n          \n          \"datePublished\": \"2022-09-01T12:43:27+00:00\",\n          \"dateModified\": \"2026-03-03T08:19:45+00:00\",\n          \"author\": [{\n              \"@type\": \"Person\",\n              \"name\": \"Alastair Woods\",\n              \"url\": \"https:\/\/swoopfunding.com\/za\/author\/alastair-woods\/\"\n            }]\n        }\n    <\/script>\n \n <div class=\"last-updated view-user\" style=\"justify-content: left;\">\n \n <div class=\"info-left\">\n <a href=\"https:\/\/swoopfunding.com\/za\/author\/alastair-woods\/\" aria-label=\"Alastair Woods\">\n <picture loading=\"lazy\" decoding=\"async\" class=\"attachment-large size-large\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/alastair.webp\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/alastair.webp?is-pending-load=1\" alt=\"Alastair Woods\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <\/picture>\n <\/a>\n <\/div>\n \n <div class=\"info-right\">\n <p>Page written by <a href=\"https:\/\/swoopfunding.com\/za\/author\/alastair-woods\/\">Alastair Woods<\/a>. <span>Last reviewed on March 3, 2026<\/span>. <span>Next review due March 1, 2027.\n <\/span>\n <\/p>\n\n <\/div>\n\n <\/div>\n<\/div>\n\n<div id=\"externalTooltipContent\" style=\"display: none;\">\n <div class=\"top-info\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/alastair.webp\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/alastair.webp?is-pending-load=1\" alt=\"\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <div class=\"text\">\n <div class=\"name-author\">Alastair Woods<\/div>\n <div class=\"role-user\">South Africa Lead<\/div>\n <\/div>\n <\/div>\n <div class=\"description\">Alastair is South African and has a depth of experience in small business financing and strategy. He has led the launch and development of several successful ventures related to fintech, biotech and agriculture. Alastair studied economics and finance at the University of Cape Town, and then went on to complete his Masters at the University of Edinburgh.<\/div>\n<\/div>\n\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41d6604 elementor-widget elementor-widget-text-editor\" data-id=\"41d6604\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Improve cashflow, speed up your growth. Invoice finance lets you complete an order, send a bill, and get paid in 48 hours or less. Maintain control of your sales ledger to keep it confidential, or let the lender pursue outstanding payments for you. Release the cash in unpaid bills or borrow funds to buy the materials you need to fill an order. Flexibility is key. Forget about the business of chasing money. Focus on growing your company.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e61f1ef question elementor-widget elementor-widget-heading\" data-id=\"e61f1ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is invoice finance?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f3ac6c answer elementor-widget elementor-widget-text-editor\" data-id=\"5f3ac6c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Invoice is suitable for many small or medium-sized companies with B2B customers as it lets businesses get paid faster, sometimes within 24 hours, as they receive a large percentage of each invoice as soon as it is raised, using their unpaid invoices as the basis for a loan or an advance.<\/p><p>It is a funding option for businesses that have a minimum of R500,000 annual turnover and get paid by invoice in 14 days or more. Depending on the type of product or service a company sells, and the payment terms of their invoicing, Swoop\u2019s network of South African invoice finance lenders can provide up to 95% of invoice value.<\/p><p>This type of borrowing can be particularly useful for businesses that have few assets to offer as collateral for a bank loan. Their unpaid invoices are the collateral. There is usually no need for additional security.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f006cde elementor-widget elementor-widget-video\" data-id=\"f006cde\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/9HL7TjJpktc&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-df34e2e uael-heading-align-left elementor-widget elementor-widget-uael-table-of-contents\" data-id=\"df34e2e\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"table-of-content-column\" data-settings=\"{&quot;heading_text_align&quot;:&quot;left&quot;,&quot;heading_bottom_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:15,&quot;sizes&quot;:[]},&quot;content_between_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"uael-table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"uael-toc-main-wrapper\" data-headings=\"h2,h3,h4\" >\n\t\t\t<div class=\"uael-toc-wrapper\">\n\t\t\t\t<div class=\"uael-toc-header\">\n\t\t\t\t\t<span class=\"uael-toc-heading elementor-inline-editing\" data-elementor-setting-key=\"heading_title\" data-elementor-inline-editing-toolbar=\"basic\" ><\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"uael-toc-toggle-content\">\n\t\t\t\t\t<div class=\"uael-toc-content-wrapper\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t<ul data-toc-headings=\"headings\" class=\"uael-toc-list uael-toc-list-none\" data-scroll=\"\" ><\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"uael-toc-empty-note\">\n\t\t\t\t\t<span>Add a header to begin generating the table of contents<\/span>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22cbc73 question elementor-widget elementor-widget-heading\" data-id=\"22cbc73\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How does it work?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0f8120e answer elementor-widget elementor-widget-text-editor\" data-id=\"0f8120e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>With invoice finance, the lender utilises unpaid invoices as the security for funding, giving you fast access to part of the invoice&#8217;s value. Payment is usually made within 48 hours of submitting your invoice. The sum received may vary from 75% to 95% of the invoice value. You retain control of your sales ledger and are still responsible for chasing your customers for payment.<\/p><p>Customers post their payments into a trust account controlled by the invoice financing company, but with the appearance of an account controlled by you. The customer assumes they are paying you, not the lender. Once the loan is repaid, and the lender deducts interest and fees, the balance is transferred to your bank account. In most cases, the customer will never know you used the invoice as security for a loan.<\/p><p>Invoice financing can be used across your whole sales ledger, or you can choose the customers and the invoices you want to use for a loan (this is called selective receivables financing).<\/p><p>In simple terms, invoice financing functions in the same way as a revolving credit line or a series of short-term bank loans. However, unlike those types of lending, with invoice financing, the borrower usually has no need to provide assets as collateral, nor are the owners or directors required to supply a personal guarantee.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d42946 question elementor-widget elementor-widget-heading\" data-id=\"1d42946\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What are the different types?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-976a6d0 answer elementor-widget elementor-widget-text-editor\" data-id=\"976a6d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Invoice finance in South Africa falls into two broad sub-types:<\/p><ul><li><strong>Invoice financing<\/strong>\u00a0(or invoice discounting)<\/li><li><strong>Invoice factoring<\/strong>\u00a0(or account receivables financing)<\/li><li><strong>Selective invoice finance\u00a0<\/strong>(choosing to finance specific customer accounts)<\/li><\/ul><p>Within these sub-types, there are further differences, such as \u2018selective receivables financing\u2019. These variances can affect the percentage of the sum of each invoice that is immediately provided, and the fees and interest charged.<\/p><p>However, the main difference between the two types of finance is who collects on the unpaid invoices. With invoice financing, the company borrows against their unpaid bills. They retain control of their sales ledger and are responsible for collecting unpaid sums. With <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/invoice-factoring\/\">invoice factoring<\/a>, the company sells their sales ledger to a third-party lender (the factor), who collects the unpaid sums. Invoice financing is confidential. The company\u2019s customers will usually remain unaware that the company is borrowing against their invoices. With invoice factoring, the company\u2019s customers will usually know.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-68af7fb elementor-widget elementor-widget-ucaddon_a_word_from_andrea\" data-id=\"68af7fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_a_word_from_andrea.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n<div class=\"word-from-andrea\">\n <div class=\"left-info\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/za\/wp-content\/themes\/swoopMW50\/assets\/images\/andrea.webp\" alt=\"Andrea Reynolds, Swoop\u2019s CEO & Co-Founder\" width=\"136\" height=\"136\">\n <div class=\"position\"><strong>Andrea Reynolds<\/strong><br>Swoop\u2019s CEO & Co-Founder<\/div>\n <\/div>\n <div class=\"right-info\">\n <p class=\"title-module\">A word from Andrea<\/p>\n <div class=\"description\">\n <p><em>\"Invoice finance utilises the security of a company\u2019s unpaid invoices as the basis for a loan or an advance. It is a funding option for businesses that have a minimum of R500,000 annual turnover and get paid by invoice in 14 days or more. Invoice financing functions in the same way as a revolving credit line or a series of short-term bank loans. You retain control of your sales ledger and are still responsible for chasing your customers for payment.\"<\/em><\/p> <\/div>\n <\/div>\n<\/div>\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d14912b question elementor-widget elementor-widget-heading\" data-id=\"d14912b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Invoice finance calculator<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e7366d answer elementor-widget elementor-widget-text-editor\" data-id=\"2e7366d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Use our handy <a href=\"https:\/\/swoopfunding.com\/za\/business-loan-calculator\/invoice-finance-calculator\/\">invoice finance calculator<\/a> to get an understanding of how much you could release from invoices owed to you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b25121a elementor-widget elementor-widget-ucaddon_invoice_finance_calculator\" data-id=\"b25121a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_invoice_finance_calculator.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n \n \n <div class=\"invoice_finance_calculator form-calculator\" >\n <div class=\"left_column\">\n\n <div class=\"form-group\">\n <label for=\"invoiceValue\">Invoice value<\/label>\n\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">R<\/span>\n <\/div>\n <input id=\"invoiceValue\" type=\"text\" class=\"form-control mask-money\" aria-label=\"Invoice value\" value=\"5,000\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n\n <\/div>\n\n <div class=\"form-group\">\n <div class=\"label_and_numbers\">\n <label for=\"advanceRate\">Advance rate<\/label>\n <div class=\"tag-number\">\n <span id=\"advanceRateDisplay\" class=\"value-tag\">-<\/span>%\n <\/div>\n <\/div>\n <div class=\"input-group mb-3\">\n <input type=\"range\" min=\"10\" max=\"95\" value=\"85\" class=\"slider\" id=\"advanceRate\" step=\"5\">\n <\/div>\n <\/div>\n\n <div class=\"form-group\">\n <div class=\"label_and_numbers\">\n <label for=\"advanceFee\">Fee<\/label>\n <div class=\"tag-number\">\n <span id=\"advanceFeeDisplay\" class=\"value-tag\">-<\/span>%\n <\/div>\n <\/div>\n <div class=\"input-group mb-3\">\n <input type=\"range\" min=\"0.5\" max=\"5\" value=\"3\" class=\"slider\" id=\"advanceFee\" step=\"0.5\">\n <\/div>\n <\/div>\n\n <p class=\"note-calculator\" style=\"margin-bottom: 15px;\">* Will be paid to you when your client has paid the invoice in full and within the agreed invoice term.<\/p>\n <p class=\"note-calculator\">This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender before taking out a loan.<\/p>\n\n <\/div>\n <div class=\"right_column\">\n <p class=\"title\">Your results<\/p>\n <div class=\"show-number\">\n <p class=\"title-result\">Advance amount<\/p>\n <p class=\"number-result\">R<span id=\"advanceAmount\">-<\/span> (<span id=\"advanceRateDisplay2\">-<\/span>%)<\/p>\n <\/div>\n <div class=\"show-number\">\n <p class=\"title-result\">Then<\/p>\n <p class=\"number-result\">R<span id=\"customerPage\">-<\/span>*<\/p>\n <\/div>\n <div class=\"show-number\">\n <p class=\"title-result\">Estimated fees<\/p>\n <p class=\"number-result\">R<span id=\"fees\">-<\/span><\/p>\n <\/div>\n \n <a href=\"https:\/\/southafrica.swoopfunding.com\/stage\/\" class=\"btn btn-lg btn-dark btn-block\" target=\"_blank\">Get a quote<\/a>\n\n <\/div>\n <\/div>\n\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-916f456 question elementor-widget elementor-widget-heading\" data-id=\"916f456\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How much does invoice finance cost in South Africa?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-685a2c8 answer elementor-widget elementor-widget-text-editor\" data-id=\"685a2c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Invoice financing leaves you in control of your sales ledger and responsible for chasing your customers for payment. This creates less administration for the lender than invoice factoring. Accordingly, the costs are lower.<\/p><p>South African invoice financing companies earn money from each transaction in two ways: by charging interest, and by charging a credit management fee. The first covers the time-use of their money, the latter covers their administration costs. Typical interest rates range from 1.5% to 3%. Credit management fees typically vary from 0.25% to 0.5% of turnover. Invoice financing costs are similar to many traditional forms of business funding, such as overdrafts and bank loans.<\/p><p>Swoop works with a wide range of invoice financing companies. Terms and costs can vary.\u00a0<a class=\"rank-math-link\" href=\"https:\/\/southafrica.swoopfunding.com\/stage\">Register with us<\/a>\u00a0to receive a quote for costs and services tailored to your business needs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae5282a question elementor-widget elementor-widget-heading\" data-id=\"ae5282a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Invoice finance example<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f1fbcc6 answer elementor-widget elementor-widget-text-editor\" data-id=\"f1fbcc6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A wholesaler sends an invoice for R100,000 to a customer. They usually take 60 days to pay the bill. This locks up the value of the invoice for two months and slows down the wholesaler\u2019s cashflow.<\/p><p>However, the wholesaler has an agreement with an invoice financing company. They will lend 80% of the value of the invoice as soon as it is raised. The wholesaler submits a duplicate of the invoice to the lender and they send R80,000 (80%) to the wholesaler\u2019s bank account. This is called the \u2018pre-payment percentage\u2019.<\/p><p>60 days later, the customer pays R100,000 into a trust account controlled by the lender. As this is confidential invoice-financing, the customer assumes they are making payment direct to the wholesaler. They remain unaware of the lender\u2019s role. The lender recoups the loan of R80,000 and after deducing fees and interest, they send the balance to the wholesaler\u2019s bank account.<\/p><p>This example could look like this:<\/p><p>Invoice value: R100,000<\/p><p>Loan sum: R80,000<\/p><p>Balance outstanding: R20,000<\/p><p>Sum paid by customer: R100,000<\/p><p>Loan recouped: R80,000<\/p><p>Fees and interest: R3,000<\/p><p>Balance transferred to wholesaler: R17,000<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6204847 question elementor-widget elementor-widget-heading\" data-id=\"6204847\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Can a small business use invoice finance?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-469549a answer elementor-widget elementor-widget-text-editor\" data-id=\"469549a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Yes. If your annual turnover is a minimum of R30,000 and you get paid by invoice on 14 days terms or more, invoice financing could work for you. Key considerations for approval include:<\/p><ul><li>Minimum turnover<\/li><li>Your customers are businesses, not consumers (B2B)<\/li><li>Invoice terms that fit the lender\u2019s criteria<\/li><li>Good customer payments history<\/li><li>Most recent set of accounts<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e70df98 elementor-widget elementor-widget-heading\" data-id=\"e70df98\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What are the advantages?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-acc6db6 elementor-widget elementor-widget-ucaddon_pros\" data-id=\"acc6db6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_pros.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t \n <div class=\"pros\">\n <div class=\"header-pro\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/za\/wp-content\/themes\/swoopMW50\/assets\/images\/pros.svg\" width=\"72\" height=\"72\" alt=\"Pros\">\n <p class=\"title\">Pros<\/p>\n <\/div>\n <div class=\"content-pro\">\n <p>Invoice finance \u2013 either invoice discounting or invoice factoring \u2013 has several advantages over many other forms of business borrowing.<\/p><ul><li>The invoices are the loan security. Usually, there is no need for additional collateral<\/li><li>It is scalable \u2013 as your turnover grows, your access to immediate cash expands<\/li><li>It is flexible \u2013 most businesses who meet the minimum criteria can apply<\/li><li>Factoring can reduce your accounts receivables administration<\/li><li>Invoice financing is confidential. Customers remain unaware of your borrowing<\/li><li>It is speedy. Unlike standard bank loans, approval for invoice finance funding can be quick.<\/li><\/ul> <\/div>\n <\/div>\n \n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-00970d2 question elementor-widget elementor-widget-heading\" data-id=\"00970d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is invoice factoring?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bfd4939 answer elementor-widget elementor-widget-text-editor\" data-id=\"bfd4939\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Although they both provide early payment of outstanding bills, invoice financing and invoice factoring are not the same. Invoice financing uses a company\u2019s invoices as security for a loan. Factoring agents (the factor), buy a company\u2019s invoices. They take control of the sales ledger and provide an advance against each invoice.<\/p><p>Factors typically advance 75% to 95% of invoice value. After deducting their fees, the factor transfers the remaining balance to the company when the invoice is paid by the customer.<\/p><p>The key difference is that in factoring, the factor is responsible for chasing the company\u2019s customers for payment. This means factoring is not confidential. Customers will be aware that the factor has taken control of the company\u2019s sales ledger. This could be a problem for businesses in debt-sensitive industries, such as recruitment or law.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c92056 question elementor-widget elementor-widget-heading\" data-id=\"0c92056\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Invoice finance costs explained\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5eefca answer elementor-widget elementor-widget-text-editor\" data-id=\"e5eefca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Invoice financing and invoice factoring have different cost structures. Invoice financing companies charge interest on the loan, plus an administration fee. Factoring agents charge something called the \u2018factor rate\u2019. This is a hybrid calculation, and it works out as a percentage of every invoice and a \u2018time-charge\u2019 that reflects the length of time that credit is extended.\u00a0 Because factoring agents take over the company\u2019s sales ledger and assume responsibility for chasing customers for payment, their administration costs are higher than those for invoice financing. This means factoring usually costs more than invoice financing.<\/p><p><strong>Invoice financing costs:<\/strong><\/p><p>Invoice financing costs are straightforward. Borrowers are charged interest and credit management fees. Credit management fees typically vary from 0.25% to 0.5% of turnover. Interest and fees are usually billed on a monthly cycle. There may also be other costs \u2013 such as an origination fee for processing the loan.<\/p><p>Invoice financing companies will consider risk when calculating the interest rate and their management fee. The credit-worthiness of your customers, the length of time they take to pay, and your business\u2019 credit history are key parameters in this calculation.<\/p><p><strong>Invoice factoring costs:<\/strong><\/p><p>Invoice factoring costs are called the factor rate. It is based on the level of risk and the volume of invoices. Factors like low risk, (your customers are unlikely to default on payment), and high volume, (the cash value of factored invoices is high).<\/p><ul><li>The lower the risk and the greater the volume, the lower the factoring costs<\/li><li>The higher the risk, and the lower the volume, the higher the invoice factoring costs.<\/li><\/ul><p><strong>Factors consider the following when calculating your factor rate:<\/strong><\/p><ul><li>The cash value of the invoices you will be factoring:\u00a0the more money being processed, the lower the rate. This is probably the biggest determiner of your factor rate.<\/li><li>The size of each invoice:\u00a0it takes the same amount of work to collect a small invoice as a large one. Therefore, it pays to have fewer large invoices rather than lots of small ones.<\/li><li>The industry you work in: the factor will assess the track record of your industry when determining your factor rate. The more risk, the higher the factor rate.<\/li><li>How reliable are your clients: clients who have a track record of paying on time drive a lower factor rate than those with a poor credit history.<\/li><li>Your business credit rating, history and turnover: Some factors in South Africa will want you to have been trading for at least one year. This can be a problem for startups. They may also expect you to have a minimum annual turnover, for example, R500,000.<\/li><\/ul><p>Factor rates can vary from 0.5% to 5% of invoice value. This is applied as a fee and for set time \u2013 for example, 3% for the first 30 days of an advance against the invoice. The factor will also charge a further percentage if the advance is outstanding beyond this initial period \u2013 for example, 0.5% for each 10 days after the first 30 days. Some factors set a \u2018flat rate\u2019 that does not have an escalating charge rate. The cost is the same, even if the invoice takes more than 30 days for payment.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-effe360 question elementor-widget elementor-widget-heading\" data-id=\"effe360\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Invoice finance using blockchain\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8585651 answer elementor-widget elementor-widget-text-editor\" data-id=\"8585651\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a class=\"rank-math-link\" href=\"https:\/\/www.mckinsey.com\/business-functions\/mckinsey-digital\/our-insights\/blockchain-explained-what-it-is-and-isnt-and-why-it-matters#\" target=\"_blank\" rel=\"noopener\">Blockchain<\/a>\u00a0is a digital system of recording information using powerful cryptography. It is essentially a digital ledger of transactions that is shared across a network of computers linked by the blockchain. Shared monitoring ensures transparency and eliminates fraud. Cryptocurrencies such as Bitcoin and Ethereum use blockchain technology to function as digital currencies that exist outside established (\u2018flat\u2019) national currencies such as ZAR and USD.<\/p><p>A small but growing number of fintech businesses are offering or developing blockchain systems for use in invoice finance. Although the goal is still the same \u2013 early payment of unpaid invoices \u2013 the primary advantages of blockchain over traditional invoice finance methods appear to be greater transparency, which lowers risk, and faster transactions, which increases volumes. The combination of reduced risk and greater volumes can lower costs to companies and invoice finance providers alike. Increased productivity and growth are the net result.<\/p><p>Many of the new blockchain players offer the ability to switch funds from fiat to cryptocurrency and back again. This has the potential to reduce forex costs for businesses that operate across international boundaries.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-056e98d question elementor-widget elementor-widget-heading\" data-id=\"056e98d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is invoice finance fraud?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4969979 answer elementor-widget elementor-widget-text-editor\" data-id=\"4969979\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The explosive growth of invoice finance has seen a matching rise in invoice finance fraud.<\/p><p>Invoice finance fraud falls into two categories: \u2018Fresh air invoicing\u2019 and \u2018Fake invoicing\u2019. In the first instance, a company that has not yet completed an order raises an invoice to receive an advance from their lender. The business is seeking payment before their goods or services have been supplied. They are trying to get paid early. Sometimes this activity is called \u2018pre-billing\u2019, but this fraud is usually used to conceal an inability to fund an order. The business does not have the money to complete and deliver.<\/p><p>With fake invoicing, the fraud is more blatant. The business raises an invoice that is totally fictitious. In this case, the funds received from the invoice financing company are usually moved to a location where the lender cannot reclaim them, and the business that created the fake invoice quickly falls into insolvency.<\/p><p>Invoice fraud is a criminal act that can lead to prosecution.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c40986 question elementor-widget elementor-widget-heading\" data-id=\"7c40986\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Accounts payable financing vs invoice financing\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-806b436 answer elementor-widget elementor-widget-text-editor\" data-id=\"806b436\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Unlike invoice financing, where a company obtains a loan against an unpaid invoice, accounts payable financing is a loan to pay for costs and materials incurred by the company. The borrower uses a loan to pay for services and materials to complete an order. Another name for accounts payable financing is trade finance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a6fa58 question elementor-widget elementor-widget-heading\" data-id=\"3a6fa58\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How does purchase order financing work?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e10234 answer elementor-widget elementor-widget-text-editor\" data-id=\"1e10234\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A company has an order from a customer with a value of R100,000. To fulfil the order, the company needs materials costing R50,000. The company will have to wait three months before receiving payment from their customer. To prevent a drain on cashflow, the company obtains an invoice from the materials supplier, which they submit to a lender. The finance company provides a loan of R50,000, allowing the company to obtain the materials it needs.<\/p><p>Once the order has been completed and delivered, the customer pays R100,000 into a trust account controlled by the lender but appearing to be controlled by the company. The lender recoups their loan, plus interest and fees, then transfers the balance of the payment to the company.<\/p><p>This example of account payable financing could look like this:<\/p><p>Order value: R100,000<\/p><p>Materials cost: R50,000<\/p><p>Loan value: R50,000<\/p><p>Materials purchased.<\/p><p>Order delivered.<\/p><p>Payment from customer: R100,000<\/p><p>Loan recoupment: R50,000<\/p><p>\u00a0Interest and fees: R2,500<\/p><p>Balance transferred to company: R47,500<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fbb677b question elementor-widget elementor-widget-heading\" data-id=\"fbb677b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Invoice financing vs invoice factoring\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b3e559 answer elementor-widget elementor-widget-text-editor\" data-id=\"2b3e559\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Invoice financing and invoice factoring have their unique pros and cons:<\/p><ul><li>Invoice factoring is more expensive than invoice financing<\/li><li>Invoice financing leaves the company in control of the sales ledger, but this also means they must still spend time chasing customers for payment<\/li><li>Invoice factoring sells invoices to the factor, who then assumes responsibility for pursuing customers for payment<\/li><li>Invoice financing is confidential. Customers may never know invoices are being used as collateral for borrowing<\/li><li>Invoice factoring is not confidential. Customers will be aware that the company has sold control of the sales ledger<\/li><li>Invoice factoring may not be available to most startups<\/li><li>Invoice factoring and invoice financing can release up to 95% of invoice value in less than 48 hours.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-544bcb0 question elementor-widget elementor-widget-heading\" data-id=\"544bcb0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Can I use invoice financing with bad credit?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4dbb646 answer elementor-widget elementor-widget-text-editor\" data-id=\"4dbb646\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Probably. Invoice financing approvals are largely based on the financial strength of your customers, their payment history, and the terms of your invoices. Your personal credit should not be a factor. However, as with many other forms of business borrowing, the lender will usually ask to see recent accounts and perhaps your business bank statements. They must be confident that your business is not in difficulty. For sole traders and some partnerships, lenders may also review your personal credit. Company credit ratings are more relevant for limited companies.<\/p><p>Swoop works with South African invoice finance companies that specialise in borrowers with poor credit. Even if you\u2019ve been turned down for other types of loan, it may still be possible to obtain funds using your invoices as security.\u00a0<a class=\"rank-math-link\" href=\"https:\/\/southafrica.swoopfunding.com\/stage\">Register with us<\/a>\u00a0to discuss your funding needs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3310d94 question elementor-widget elementor-widget-heading\" data-id=\"3310d94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Is invoice financing a loan?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-88bd70b answer elementor-widget elementor-widget-text-editor\" data-id=\"88bd70b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Yes. Unlike factoring, where a business sells its invoices to a factoring agent for a discount, invoice finance uses a company\u2019s invoices as security for borrowing. Factoring agents provide an advance. Invoice financing companies provide loans.<\/p><p>The key difference between business loans made with invoice financing and loans obtained using assets as collateral, (as in a standard bank loan or asset finance), is the lender recoups the loan and their fees at source. They do not wait for the borrower to pay them. They take repayment direct from the borrower\u2019s customer.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5af650f question elementor-widget elementor-widget-heading\" data-id=\"5af650f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Invoice finance for construction\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62e4752 answer elementor-widget elementor-widget-text-editor\" data-id=\"62e4752\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Payment delays in the construction industry are common. Waiting three or four months for payment of an invoice is typical. Wait times can be even longer on large-scale or government-funded projects. To ease the burden this would place on cashflow, many small and medium-sized construction companies rely on invoice finance to pay workers, buy materials, and meet deadlines.<\/p><p>Specialist invoice finance providers offering unique invoice financing and invoice factoring programmes for the construction industry can be found within the Swoop network. These bespoke options account for the \u2018stage-payment\u2019 method of many construction contracts and the enhanced risks and lengthy payment times endemic to the South African construction industry.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d4ed9bf question elementor-widget elementor-widget-heading\" data-id=\"d4ed9bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Invoice finance for recruitment\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bb9efc answer elementor-widget elementor-widget-text-editor\" data-id=\"1bb9efc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Recruitment is a people business and a recruitment company\u2019s people are typically their best asset. However, personnel cannot be used as security for a business loan. Without sufficient hard assets as collateral, small and medium-sized recruitment companies may struggle to obtain traditional business funding. Invoice finance can fill the gap.<\/p><p>Specialist providers offer invoice financing and invoice factoring for recruiters that eliminate the lengthy wait between raising invoices and client payments. Customised to accommodate the sensitivities of the HR sector, transaction agreements can be kept confidential to avoid alerting clientele to the recruiter\u2019s need for funding.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72dc0c6 question elementor-widget elementor-widget-heading\" data-id=\"72dc0c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Is invoice finance a good idea?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d40e72 answer elementor-widget elementor-widget-text-editor\" data-id=\"2d40e72\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>For businesses that need to boost their cashflow, invoice finance can be an ideal funding solution: no need for hard assets, no personal guarantees, get up to 95% of your invoice value as soon as you raise it, and eliminate months of waiting for customers to pay.<\/p>\n<p>If you are seeking a flexible and scalable solution to your cashflow problems, and the higher costs associated with invoice finance are acceptable to you, invoice finance is worth considering.<\/p>\n<p>Keep in mind that invoice finance is designed to defeat cash flow issues, it is not a replacement for revenue. While loans and overdrafts can give you a cash injection when business is slow, invoice finance relies on your business successfully winning sales and raising invoices. If you fail to secure new sales, invoice finance will not solve underlying problems. Low revenue is always low revenue. Invoice finance alone cannot get you through a \u2018dry patch\u2019.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e737d0b question elementor-widget elementor-widget-heading\" data-id=\"e737d0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How do I apply?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f095db answer elementor-widget elementor-widget-text-editor\" data-id=\"5f095db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Swoop makes the application process simple. Call us or\u00a0<a class=\"rank-math-link\" href=\"https:\/\/southafrica.swoopfunding.com\/stage\">apply online<\/a>\u00a0now to receive quotes for invoice finance tailored to the specific demands of your business.<\/p><p>Eliminate the burden of slow cashflow. Rapidly release the funds you\u2019re owed.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-651aaaf elementor-widget elementor-widget-spacer\" data-id=\"651aaaf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-418a76d elementor-widget elementor-widget-ucaddon_author_page\" data-id=\"418a76d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_author_page.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n\n\n <div class=\"info-user-post\">\n \n <div class=\"left-info\">\n <a href=\"https:\/\/swoopfunding.com\/za\/author\/alastair-woods\/\" aria-label=\"Alastair Woods\">\n <picture loading=\"lazy\" decoding=\"async\" class=\"attachment-large size-large\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/alastair.webp\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/alastair.webp?is-pending-load=1\" alt=\"\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <\/picture>\n <\/a>\n <\/div>\n \n <div class=\"right-info\">\n <div class=\"inner-top\">\n <div class=\"info-top\">\n <div class=\"info-title\">\n <p>Written by<\/p>\n <p class=\"name-author\"><a href=\"https:\/\/swoopfunding.com\/za\/author\/alastair-woods\/\">Alastair Woods<\/a><\/h3>\n <\/div>\n <\/div>\n \n \n <\/div>\n <div class=\"info-bottom\">\n <p>Alastair is South African and has a depth of experience in small business financing and strategy. He has led the launch and development of several successful ventures related to fintech, biotech and agriculture. Alastair studied economics and finance at the University of Cape Town, and then went on to complete his Masters at the University of Edinburgh.<\/p>\n <\/div>\n\n <ul class=\"social-links\">\n <li><a href=\"https:\/\/www.linkedin.com\/in\/alastair-woods-64635315\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Linkedin\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/za\/wp-content\/themes\/swoopMW50\/assets\/icons\/icon-linkedin-min.svg\" width=\"30\" height=\"30\" alt=\"Linkedin\">\n <\/a><\/li>\n \n \n <\/ul>\n\n <div class=\"swoop-promise\">\n <p><strong>Swoop promise<\/strong><\/p>\n <p>At Swoop we want to make it easy for SMEs to understand the sometimes overwhelming world of business finance and insurance. Our goal is simple \u2013 to distill complex topics, unravel jargon, offer transparent and impartial information, and empower businesses to make smart financial decisions with confidence.<\/p>\n <p>Find out more about Swoop\u2019s editorial principles by reading our <a href=\"https:\/\/swoopfunding.com\/za\/about-swoop\/editorial-policy\/\">editorial policy<\/a>.<\/p>\n <\/div>\n\n <\/div>\n <\/div>\n\n \n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-d4be937 e-flex e-con-boxed e-con e-parent\" data-id=\"d4be937\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-e09d467 e-con-full e-flex e-con e-child\" data-id=\"e09d467\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5cfa02d elementor-widget__width-auto elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"5cfa02d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"60\" height=\"33\" src=\"https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/08\/icon-swoop.svg\" class=\"attachment-full size-full wp-image-19975\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba795a0 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"ba795a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Create your free Swoop account to easily apply for invoice finance<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75afe12 elementor-widget__width-auto bt-form-45 elementor-mobile-align-center elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"75afe12\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/southafrica.swoopfunding.com\/stage\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Join Swoop<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7b84cb2 e-flex e-con-boxed e-con e-parent\" data-id=\"7b84cb2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-458a7f8 elementor-widget elementor-widget-ucaddon_auto_page_related\" data-id=\"458a7f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_auto_page_related.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n\n\n\n <div class=\"container-auto-page-related\">\n <p class=\"title-related text-center\">Related pages<\/p>\n <div class=\"auto-page-related\">\n <ul>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/accounts-receivable-financing\/\">Accounts receivable financing <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/aircraft-financing\/\">Aircraft financing <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/apply-now\/\">Apply for a business loan now <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/\">Asset finance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/asset-based-lending\/\">Asset-based lending <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/audio-visual-financing\/\">Audio visual equipment financing <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/bad-credit-business-loans\/\">Bad credit business loan <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/working-capital-loans\/bad-credit-working-capital\/\">Bad credit working capital loans <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/bakery-equipment-financing\/\">Bakery equipment financing <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/boat-financing\/\">Boat financing <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/bobcat-financing\/\">Bobcat financing <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/business-car-finance\/\">Business car finance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/business-line-of-credit\/\">Business line of credit <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/marketing-loans\/\">Business loan for marketing <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/\">Business loans <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/sectors\/business-loans-for-bed-and-breakfasts\/\">Business loans for bed and breakfasts <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/business-loans-for-software\">Business loans for software <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/loans-for-women\/\">Business loans for women <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/business-loans-with-cosigner\/\">Business loans with a cosigner <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/business-refinancing-and-debt-consolidation\/\">Business refinancing and debt consolidation <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/business-restructuring\/\">Business restructuring <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/business-van-finance\/\">Business van finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/cash-flow-loans\/\">Cash flow loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/equipment-leasing\/commercial-equipment-leasing\/\">Commercial equipment leasing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/commercial-equity-line-of-credit\/\">Commercial equity line of credit <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/commercial-finance\/\">Commercial finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/commercial-fleet-finance\/\">Commercial fleet finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/construction-equipment-financing\/\">Construction equipment financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/invoice-finance\/construction-invoice-finance\/\">Construction invoice finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/crane-finance\/\">Crane equipment finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/delayed-draw-term-loan\/\">Delayed draw term loan <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/dental-equipment-financing\/\">Dental equipment financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/dump-truck-finance\/\">Dump truck financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/easy-business-loans\/\">Easy business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/emergency-business-loans\/\">Emergency business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/equipment-appraisals\/\">Equipment appraisals <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/equipment-financing\/equipment-finance-brokers\/\">Equipment finance brokers <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/equipment-financing\/\">Equipment financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/equipment-leasing\/\">Equipment leasing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/excavator-finance\/\">Excavator financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/finance-lease-vs-operating-lease\">Finance lease vs. operating lease \u2013 what\u2019s the difference? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/finance-lease\/\">Finance leasing explained &#8211; what is it? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/flexible-finance\/\">Flexible finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/forklift-finance\/\">Forklift financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/franchise-finance\/\">Franchise finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/equipment-financing\/heavy-equipment-finance\/\">Heavy equipment finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/equipment-leasing\/heavy-equipment-leasing\/\">Heavy equipment leasing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/how-do-small-business-loans-work\/\">How do small business loans work? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/how-long-does-it-take-to-get-a-business-loan\/\">How long does it take to get a business loan? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/startup-loans\/how-to-get-a-startup-loan\/\">How to get a startup loan <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/equipment-financing\/industrial-equipment-finance\/\">Industrial equipment finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/invoice-discounting\/\">Invoice discounting <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/invoice-factoring\/\">Invoice factoring <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/invoice-factoring\/factoring-vs-discounting\/\">Invoice factoring vs. invoice discounting: What&#8217;s the difference? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/invoice-finance\/\">Invoice finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/islamic-business-finance\/\">Islamic business finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/large-business-loans\/\">Large business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/management-buyout\/\">Management buyouts <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/manufacturing-equipment-financing\/\">Manufacturing equipment financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/material-handling-equipment-finance\/\">Material handling equipment financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/equipment-financing\/medical-equipment-finance\/\">Medical equipment finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/equipment-leasing\/medical-equipment-leasing\/\">Medical equipment leasing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/merchant-cash-advance\/\">Merchant cash advance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/merchant-cash-advance\/\">Merchant cash advance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/mezzanine-finance\/\">Mezzanine finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/no-collateral-business-loans\/\">No collateral business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/no-credit-check-business-loans\/\">No credit check business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/no-doc-business-loan\/\">No doc business loan <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/operating-lease\/\">Operating leases explained: What are they? How do they work? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/purchase-order-financing\/\">Purchase order financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/quick-business-loans\/\">Quick business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/quick-business-loans\/\">Quick business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/best-business-loans-100000-or-less\/\">R100,000 or less business loan <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/invoice-finance\/recruitment-invoice-finance\/\">Recruitment invoice finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/equipment-leasing\/restaurant-equipment-leasing\/\">Restaurant equipment leasing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/revenue-based-financing\/\">Revenue based financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/revolving-credit-facility\/\">Revolving credit facility <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/saas-finance\/\">SaaS finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/same-day-business-loans\/\">Same-day business loan <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/secured-business-loans\/\">Secured business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/self-employed-loans\/\">Self-employed business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/seller-financing\/\">Seller financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/semi-truck-financing\/\">Semi-truck financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/short-term-loans\/\">Short-term business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/small-business-loans\/\">Small business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/soft-asset-finance\/\">Soft asset finance: What you need to know <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/solar-energy-installations\/\">Solar energy installations <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/solar-equipment-financing-for-businesses\/\">Solar equipment financing for businesses <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/equipment-financing\/startup-equipment-finance\/\">Startup equipment finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/supercar-finance\/\">Supercar finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/supply-chain-finance\/\">Supply chain finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/equipment-financing\/technology-equipment-financing\/\">Technology equipment financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/term-loans\/\">Term loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/tractor-finance\/\">Tractor financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/tractor-trailer-finance\/\">Tractor trailer financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/unsecured-business-loans\/\">Unsecured business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/vending-machine-finance\/\">Vending machine financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/what-documents-do-you-need\/\">What documents do you need for your funding application? A business owner&#8217;s guide <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/working-capital-loans\/\">Working capital loans <\/a>\n <\/li>\n <\/ul>\n <div class=\"container_bt\">\n <button class=\"bt_see_more\" href=\"javascript:void(0);\" aria-label=\"See more\">See more<\/button>\n <\/div>\n <div id=\"grey-out\"><\/div>\n <\/div>\n <\/div>\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9db78f4 e-flex e-con-boxed e-con e-parent\" data-id=\"9db78f4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0ba1661 e-flex e-con-boxed e-con e-child\" data-id=\"0ba1661\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-32d16f4 e-con-full e-flex e-con e-child\" data-id=\"32d16f4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-697b38a elementor-widget elementor-widget-image\" data-id=\"697b38a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"417\" height=\"125\" src=\"https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/11\/brand_penny.png\" class=\"attachment-full size-full wp-image-27141\" alt=\"\" srcset=\"https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/11\/brand_penny.png 417w, https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/11\/brand_penny-300x90.png 300w, https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/11\/brand_penny-54x16.png 54w, https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/11\/brand_penny-80x24.png 80w\" sizes=\"auto, (max-width: 417px) 100vw, 417px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-359934d e-con-full e-flex e-con e-child\" data-id=\"359934d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c834272 elementor-widget elementor-widget-image\" data-id=\"c834272\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"417\" height=\"125\" src=\"https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/10\/brand_skipton-business-finance.png\" class=\"attachment-full size-full wp-image-26898\" alt=\"Skipton Business Finance\" 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data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b880ecb elementor-widget elementor-widget-image\" data-id=\"b880ecb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"417\" height=\"125\" src=\"https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/10\/brand_close-brothers.png\" class=\"attachment-full size-full wp-image-26894\" alt=\"Close Brothers\" srcset=\"https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/10\/brand_close-brothers.png 417w, https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/10\/brand_close-brothers-300x90.png 300w, https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/10\/brand_close-brothers-54x16.png 54w, https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/10\/brand_close-brothers-80x24.png 80w\" sizes=\"auto, (max-width: 417px) 100vw, 417px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c6b5a98 e-con-full e-flex e-con e-child\" data-id=\"c6b5a98\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ce533b6 elementor-widget elementor-widget-image\" data-id=\"ce533b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"417\" height=\"125\" src=\"https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/11\/brand_bibby.png\" class=\"attachment-full size-full wp-image-27138\" alt=\"Bibby\" srcset=\"https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/11\/brand_bibby.png 417w, https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/11\/brand_bibby-300x90.png 300w, https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/11\/brand_bibby-54x16.png 54w, https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/11\/brand_bibby-80x24.png 80w\" sizes=\"auto, (max-width: 417px) 100vw, 417px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-54ba92b e-flex e-con-boxed e-con e-child\" data-id=\"54ba92b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6d8f1de e-con-full e-flex e-con e-child\" data-id=\"6d8f1de\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-55a6f8d elementor-widget elementor-widget-image\" data-id=\"55a6f8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"417\" height=\"125\" src=\"https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/11\/brand_muse.png\" class=\"attachment-full size-full wp-image-27140\" alt=\"\" srcset=\"https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/11\/brand_muse.png 417w, https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/11\/brand_muse-300x90.png 300w, https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/11\/brand_muse-54x16.png 54w, https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/11\/brand_muse-80x24.png 80w\" sizes=\"auto, (max-width: 417px) 100vw, 417px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cd8af9e e-con-full e-flex e-con e-child\" data-id=\"cd8af9e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8076bc3 elementor-widget elementor-widget-image\" data-id=\"8076bc3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"417\" height=\"125\" src=\"https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/11\/brand_abn-amro.png\" class=\"attachment-full size-full wp-image-27136\" alt=\"Abn Amro\" srcset=\"https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/11\/brand_abn-amro.png 417w, 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class=\"container-floating-cta\">\n <a href=\"https:\/\/southafrica.swoopfunding.com\/stage\/\" class=\"btn-floating-cta\" target=\"_blank\" rel=\"noopener\">Get a quote<\/a>\n<\/div>\n\n<div class=\"trustpilot-widget-floating-cta\">\n \n <script type=\"text\/javascript\" src=\"\/\/widget.trustpilot.com\/bootstrap\/v5\/tp.widget.bootstrap.min.js\" async><\/script>\n \n\n \n <div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"5419b732fbfb950b10de65e5\" data-businessunit-id=\"5b437d760db9da00019935a0\" data-style-height=\"24px\" data-style-width=\"100%\" data-theme=\"dark\" data-token=\"6307e816-53aa-4589-828c-b174e8417264\">\n <a href=\"https:\/\/www.trustpilot.com\/review\/swoopfunding.com\" target=\"_blank\" rel=\"noopener\">Trustpilot<\/a>\n <\/div>\n \n<\/div>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Invoice finance is a popular choice for many UK businesses. Instead of waiting weeks for payment, receive up to 95% of the invoice sum in just a day or two.<\/p>\n","protected":false},"author":80,"featured_media":0,"parent":27628,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-22517","page","type-page","status-publish","hentry"],"acf":[],"featured_image_urls_v2":{"full":"","thumbnail":"","medium":"","medium_large":"","large":"","1536x1536":"","2048x2048":"","image_blog":"","image_blog_full":"","image_podcast":"","image_banking":"","image_blog_internal":"","image_blog_medium":"","image_single_banking":""},"post_excerpt_stackable_v2":"<p>Invoice finance is a popular choice for many UK businesses. Instead of waiting weeks for payment, receive up to 95% of the invoice sum in just a day or two.<\/p>\n","category_list_v2":"","author_info_v2":{"name":"Alastair Woods","url":"https:\/\/swoopfunding.com\/za\/author\/alastair-woods\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/swoopfunding.com\/za\/wp-json\/wp\/v2\/pages\/22517","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/swoopfunding.com\/za\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/swoopfunding.com\/za\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/za\/wp-json\/wp\/v2\/users\/80"}],"replies":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/za\/wp-json\/wp\/v2\/comments?post=22517"}],"version-history":[{"count":35,"href":"https:\/\/swoopfunding.com\/za\/wp-json\/wp\/v2\/pages\/22517\/revisions"}],"predecessor-version":[{"id":44275,"href":"https:\/\/swoopfunding.com\/za\/wp-json\/wp\/v2\/pages\/22517\/revisions\/44275"}],"up":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/za\/wp-json\/wp\/v2\/pages\/27628"}],"wp:attachment":[{"href":"https:\/\/swoopfunding.com\/za\/wp-json\/wp\/v2\/media?parent=22517"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}