{"id":38655,"date":"2023-07-11T12:27:15","date_gmt":"2023-07-11T12:27:15","guid":{"rendered":"https:\/\/swoopfunding.com\/za\/?page_id=38655"},"modified":"2026-03-03T07:50:57","modified_gmt":"2026-03-03T07:50:57","slug":"construction-invoice-finance","status":"publish","type":"page","link":"https:\/\/swoopfunding.com\/za\/business-loans\/invoice-finance\/construction-invoice-finance\/","title":{"rendered":"Construction invoice finance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"38655\" class=\"elementor elementor-38655\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7eb638c0 e-flex e-con-boxed e-con e-parent\" data-id=\"7eb638c0\" 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-2e9441dc e-con-full e-flex e-con e-child\" data-id=\"2e9441dc\" 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-35f746e9 elementor-widget elementor-widget-heading\" data-id=\"35f746e9\" 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\">Construction invoice finance<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b728a10 elementor-widget elementor-widget-text-editor\" data-id=\"2b728a10\" 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;\"><span style=\"font-weight: 400;\">The South African construction industry is dominated by a handful of giant corporations, multinational developers who build most of the largest, high profile construction projects in the country.<\/span><\/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-a56fde0 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"a56fde0\" 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-321e6002\" data-id=\"321e6002\" 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-5a7675df uael-heading-align-left elementor-widget elementor-widget-uael-table-of-contents\" data-id=\"5a7675df\" 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-43c4369f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"43c4369f\" 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-47c5f964\" data-id=\"47c5f964\" 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-023333e elementor-widget elementor-widget-ucaddon_breadcrumbs\" data-id=\"023333e\" 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-664d6925 elementor-widget elementor-widget-ucaddon_last_updated\" data-id=\"664d6925\" 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    \"@graph\": [\n        {\n            \"@type\": \"WebPage\",\n            \"@id\": \"https:\/\/swoopfunding.com\/za\/business-loans\/invoice-finance\/construction-invoice-finance\/\",\n            \"url\": \"https:\/\/swoopfunding.com\/za\/business-loans\/invoice-finance\/construction-invoice-finance\/\",\n            \"name\": \"Construction invoice finance\"\n        },\n        {\n            \"@type\": \"Article\",\n            \"@id\": \"https:\/\/swoopfunding.com\/za\/business-loans\/invoice-finance\/construction-invoice-finance\/#article\",\n            \"mainEntityOfPage\": {\n                \"@id\": \"https:\/\/swoopfunding.com\/za\/business-loans\/invoice-finance\/construction-invoice-finance\/\"\n            },\n            \"headline\": \"Construction invoice finance\",\n            \"datePublished\": \"2023-07-11T12:27:15+00:00\",\n            \"dateModified\": \"2026-03-03T07:50:57+00:00\",\n            \"author\": {\n                \"@type\": \"Person\",\n                \"@id\": \"https:\/\/swoopfunding.com\/za\/author\/chris-godfrey\/#person\",\n                \"name\": \"Chris Godfrey\",\n                \"url\": \"https:\/\/swoopfunding.com\/za\/author\/chris-godfrey\/\"\n            },\n            \"publisher\": {\n                \"@id\": \"https:\/\/swoopfunding.com\/za\/#organization\"\n            }\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\/chris-godfrey\/\" aria-label=\"Chris Godfrey\">\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\/chris-godfrey-author.webp\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/chris-godfrey-author.webp?is-pending-load=1\" alt=\"Chris Godfrey\" 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\/chris-godfrey\/\">Chris Godfrey<\/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\/chris-godfrey-author.webp\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/chris-godfrey-author.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\">Chris Godfrey<\/div>\n <div class=\"role-user\">Expert financial copywriter<\/div>\n <\/div>\n <\/div>\n <div class=\"description\">Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance.<\/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-5c355ac1 elementor-widget elementor-widget-text-editor\" data-id=\"5c355ac1\" 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><span style=\"font-weight: 400;\">The lifeblood of the construction sector are the thousands of small and medium sized contractors and sub-contractors who carry out most of the physical construction work. For these businesses, as with nearly all SMEs, cash flow issues are commonplace, with a majority of businesses <\/span><span style=\"font-weight: 400;\">experiencing a major cash crunch at least once a year.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">In an industry notorious for late payments, long payment terms, and stage payments for part completed works, small constructors and sole traders are particularly vulnerable to cashflow problems \u2013 an issue that can impact existing and upcoming projects, paying suppliers and staff, or even create insolvency. But what can construction SMEs do? The answer may be found with <\/span><a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/invoice-finance\/\"><span style=\"font-weight: 400;\">invoice finance<\/span><\/a><span style=\"font-weight: 400;\"> &#8211; a financial solution that can deliver up to 95% of invoice value as soon as the bill is raised.<\/span><\/p><p><span style=\"font-weight: 400;\">Read on to discover all you need to know about invoice finance for the construction industry, and how it can turn your cashflow problems into cashflow positivity.\u00a0<\/span><\/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-658d422b question elementor-widget elementor-widget-heading\" data-id=\"658d422b\" 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 for construction?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f27c359 answer elementor-widget elementor-widget-text-editor\" data-id=\"1f27c359\" 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><span style=\"font-weight: 400;\">Invoice finance for construction are short-term loans that allow construction businesses to achieve early payment of a large percentage of the value of the invoices they raise. Typical early payments are 75% to 95% of the value of the invoice, paid within 24 to 48 hours of invoice creation, and with the balance paid as soon as the customer pays the bill on standard terms, (minus financing fees and interest). Depending on the type of invoice finance used, (see below), the customer may never know the invoice has been used to generate a loan.\u00a0<\/span><\/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-1e8bbcdb uael-heading-align-left elementor-widget elementor-widget-uael-table-of-contents\" data-id=\"1e8bbcdb\" 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-2eecaca question elementor-widget elementor-widget-heading\" data-id=\"2eecaca\" 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 construction invoice finance work?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-391c4ede answer elementor-widget elementor-widget-text-editor\" data-id=\"391c4ede\" 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><span style=\"font-weight: 400;\">Construction invoice finance utilises the security of a construction company\u2019s unpaid invoices as the basis for a loan or an advance. It is a funding option for construction SMEs that have a minimum of R30,000 annual turnover and get paid by invoice in 14 days or more. Lenders can provide up to 95% of invoice value and a maximum of R5,000,000 in total credit.<\/span><\/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-50ab8d26 question elementor-widget elementor-widget-heading\" data-id=\"50ab8d26\" 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<h3 class=\"elementor-heading-title elementor-size-default\">Construction invoice finance in practice:<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-212c0293 answer elementor-widget elementor-widget-text-editor\" data-id=\"212c0293\" 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><span style=\"font-weight: 400;\">With construction invoice financing, you issue an invoice to a customer, then you receive a percentage of the invoice value as a loan from a lender. (The invoice financing company). Payment is usually made within 24 to 48 hours of submitting your invoice.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Depending on the type of invoice financing you chose, you may retain control of your sales ledger and still be responsible for chasing customers for payment<\/span><span style=\"font-weight: 400;\">. <\/span><span style=\"font-weight: 400;\">In this case, your 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.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Construction 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).\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">In simple terms, construction invoice financing works the same as a <\/span><a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/revolving-credit-facility\/\"><span style=\"font-weight: 400;\">revolving credit line<\/span><\/a><span style=\"font-weight: 400;\"> or a series of <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/short-term-loans\/\">short-term business loans<\/a><\/span><span style=\"font-weight: 400;\">. However, unlike those types of lending, with construction 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. <\/span><\/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-5f52b1b0 question elementor-widget elementor-widget-heading\" data-id=\"5f52b1b0\" 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-7bc41989 answer elementor-widget elementor-widget-text-editor\" data-id=\"7bc41989\" 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-65082613 elementor-widget elementor-widget-ucaddon_invoice_finance_calculator\" data-id=\"65082613\" 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\/get-started?fundingReason=fundingOnboarding&version=v3\" 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-3e6b94fd question elementor-widget elementor-widget-heading\" data-id=\"3e6b94fd\" 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\">An example:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5205fe2b answer elementor-widget elementor-widget-text-editor\" data-id=\"5205fe2b\" 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><span style=\"font-weight: 400;\">You send an invoice for R10,000 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 your cashflow.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">However, you have an agreement with an invoice financing company who will lend 80% of the value of the invoice as soon as it is raised. You submit a duplicate of the invoice to the lender, and they send R8,000 (80%) to your bank account within 48 hours. This is called the \u2018pre-payment percentage\u2019. 60 days later, the customer pays R10,000 into a trust account controlled by the lender. As this is confidential invoice-financing, the customer assumes they are making payment direct to you. The lender recoups the loan of R8,000 and after deducing fees and interest, they send the balance to your bank account.\u00a0<\/span><\/p><p><i><span style=\"font-weight: 400;\">In this example, the numbers may look like this:<\/span><\/i><\/p><ul><li><span style=\"font-weight: 400;\">Invoice value: R10,000<\/span><\/li><li><span style=\"font-weight: 400;\">Loan sum: R8,000\u00a0 (the pre-payment percentage)<\/span><\/li><li><span style=\"font-weight: 400;\">Balance outstanding: R2,000<\/span><\/li><li><span style=\"font-weight: 400;\">Sum paid by customer in 60 days: R10,000<\/span><\/li><li><span style=\"font-weight: 400;\">Loan recouped: R8,000<\/span><\/li><li><span style=\"font-weight: 400;\">Fees and interest: R300<\/span><\/li><li><span style=\"font-weight: 400;\">Balance transferred to you: R1,700<\/span><\/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-428b23 question elementor-widget elementor-widget-heading\" data-id=\"428b23\" 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\">Why consider construction invoice finance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15c53a34 answer elementor-widget elementor-widget-text-editor\" data-id=\"15c53a34\" 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><span style=\"font-weight: 400;\">There are multiple benefits to using construction invoice finance for your business &#8211; and few downsides.<\/span><\/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-b196503 elementor-widget elementor-widget-ucaddon_pros\" data-id=\"b196503\" 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 <ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Get up to 95% of the value of the invoice in 24 to 48 hours<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No more waiting weeks or even months for payment<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Use your fast cashflow to expand your business and outgrow your competitors<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Drive bigger discounts from suppliers by offering them faster payment<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Keep control of your sales ledger<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your customers may never know you use your invoices as security for a loan<\/span><\/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-dc9edd3 elementor-widget elementor-widget-ucaddon_cons\" data-id=\"dc9edd3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_cons.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=\"cons\">\n <div class=\"header-cons\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/za\/wp-content\/themes\/swoopMW50\/assets\/images\/cons.svg\" width=\"72\" height=\"72\" alt=\"Cons\">\n <p class=\"title\">Cons<\/p>\n <\/div>\n <div class=\"content-cons\">\n <ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You will pay costs and interest for the loan(s)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you have customers who are bad at paying their bills, the lender may not accept the invoices you raise against that customer\u2019s account<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If a customer takes too long to pay their bill, the lender may reject their invoice from the lending pool and ask for the return of the early payment they have already sent to you<\/span><\/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-789efd11 question elementor-widget elementor-widget-heading\" data-id=\"789efd11\" 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 types of invoice finance are available for the construction industry?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f2a3057 answer elementor-widget elementor-widget-text-editor\" data-id=\"2f2a3057\" 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><span style=\"font-weight: 400;\">There are three types of invoice finance available for the construction industry:<\/span><b><\/b><\/p><ul><li aria-level=\"1\"><b>Construction invoice-financing<\/b><b> (also known as invoice discounting)<\/b><\/li><\/ul><p><span style=\"font-weight: 400;\">This works as per the example shown above: 24 to 48 hours for payment, with 75% to 95% of the invoice value released as the pre-payment percentage. You retain control of your sales ledger and must chase customers for payment. The customer need never know you use your invoices as security for a loan.<\/span><b><\/b><\/p><ul><li aria-level=\"1\"><b>Construction invoice factoring<\/b><\/li><\/ul><p><span style=\"font-weight: 400;\">Works very much like invoice-financing, except now you sell your invoices to the lender (known as \u2018the factor\u2019) and they take control of your sales ledger. You do not need to do anything more, as the factor is responsible for chasing customers for payment. With this method, your customers will know you are using your invoices to generate a loan.<\/span><b><\/b><\/p><ul><li aria-level=\"1\"><b>Accounts payable financing (also called <\/b><a href=\"https:\/\/swoopfunding.com\/za\/knowledge-hub\/trade-finance-loan\/\"><b>trade finance<\/b><\/a><b>)<\/b><\/li><\/ul><p><span style=\"font-weight: 400;\">Unlike construction invoice financing or factoring, where you obtain a loan against an unpaid invoice, <a href=\"https:\/\/swoopfunding.com\/za\/business-glossary\/accounts-payable\/\">accounts payable<\/a> financing is a loan to pay for costs and materials incurred by your business &#8211; you use a loan to pay for services and materials to complete an order.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">When you have to pay upfront for services and materials on a construction project, and your customer will not pay until the project is complete, it can place great strain on your cashflow. Account payable financing relieves that strain by advancing the cost of the services and materials, then recouping the loan from the customer when they pay their bill. The customer may never know you are buying services and materials with a loan, as their payment goes into a trust account controlled by the lender but appearing to be controlled by you.\u00a0<\/span><\/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-14e847ee question elementor-widget elementor-widget-heading\" data-id=\"14e847ee\" 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 to get construction invoice finance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15795111 answer elementor-widget elementor-widget-text-editor\" data-id=\"15795111\" 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><span style=\"font-weight: 400;\">Invoice finance for the South African construction sector is a specialist financial area, with every lender having their own criteria and differing rules of application. Construction SMEs seeking invoice financing may find themselves forever searching and making applications to lender after lender. The delays this can create could cause you to lose revenues and leave your business vulnerable to a damaging cashflow crunch. Instead, working with a broker, who can access construction invoice finance from a wide range of lenders is a better way to go. No more cold calls and endless demands for information, simply tell us what you need and leave the rest to us.\u00a0<\/span><\/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-5a42baf question elementor-widget elementor-widget-heading\" data-id=\"5a42baf\" 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\">Get started with Swoop's business funding platform<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7746bad9 answer elementor-widget elementor-widget-text-editor\" data-id=\"7746bad9\" 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><span style=\"font-weight: 400;\">Stop waiting 30, 60, 90 days or more to get paid. Give your construction business the funds it needs to thrive. Register with Swoop to find the best rates, the best terms and the best construction invoice finance in South Africa.\u00a0<\/span><\/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-2e858a80 elementor-widget elementor-widget-spacer\" data-id=\"2e858a80\" 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-7be26c3f elementor-widget elementor-widget-ucaddon_author_page\" data-id=\"7be26c3f\" 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\/chris-godfrey\/\" aria-label=\"Chris Godfrey\">\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\/chris-godfrey-author.webp\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/chris-godfrey-author.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\/chris-godfrey\/\">Chris Godfrey<\/a><\/h3>\n <\/div>\n <\/div>\n \n \n <\/div>\n <div class=\"info-bottom\">\n <p>Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and General, Inshur Zego, AIG, Met Life, State Farm, Direct Line, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of consumer and business finance and insurance.<\/p>\n <\/div>\n\n <ul class=\"social-links\">\n <li><a href=\"https:\/\/www.linkedin.com\/in\/christopher-godfrey-332198139\/\" 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 <li><a href=\"https:\/\/www.freelancewords.co.uk\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" aria-label=\"Website\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/za\/wp-content\/themes\/swoopMW50\/assets\/icons\/icon-site-min.svg\" width=\"30\" height=\"30\" alt=\"Website\">\n <\/a><\/li>\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-1aaad9c5 e-flex e-con-boxed e-con e-parent\" data-id=\"1aaad9c5\" 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-693c13c5 e-con-full e-flex e-con e-child\" data-id=\"693c13c5\" 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-79d09861 elementor-widget__width-auto elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"79d09861\" 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 decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2024\/01\/icon-swoop-1.svg\" title=\"\" alt=\"\" loading=\"lazy\" \/>\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-70bf1a99 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"70bf1a99\" 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-3f941ae4 elementor-widget__width-auto bt-form-45 elementor-mobile-align-center elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"3f941ae4\" 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\/get-started?fundingReason=fundingOnboarding&#038;version=v3\" 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-9fdcbff e-flex e-con-boxed e-con e-parent\" data-id=\"9fdcbff\" 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-2e9350a elementor-widget elementor-widget-ucaddon_auto_page_related\" data-id=\"2e9350a\" 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\/knowledge-hub\/confidential-invoice-finance\/\">Confidential invoice finance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/invoice-finance\/construction-invoice-finance\/\">Construction invoice finance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/invoice-finance\/\">Invoice finance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/knowledge-hub\/invoice-finance\/\">Invoice finance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loan-calculator\/invoice-finance-calculator\/\">Invoice finance calculator <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/invoice-finance\/recruitment-invoice-finance\/\">Recruitment invoice finance <\/a>\n <\/li>\n <\/ul>\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-4399b3d3 e-flex e-con-boxed e-con e-parent\" data-id=\"4399b3d3\" 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-da5501b e-flex e-con-boxed e-con e-child\" data-id=\"da5501b\" 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-7b2126ff e-con-full e-flex e-con e-child\" data-id=\"7b2126ff\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-469cb04f elementor-widget elementor-widget-image\" data-id=\"469cb04f\" 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 decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2024\/01\/brand_penny-1.png\" title=\"\" alt=\"\" loading=\"lazy\" \/>\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-647f5337 e-con-full e-flex e-con e-child\" data-id=\"647f5337\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5883e732 elementor-widget elementor-widget-image\" data-id=\"5883e732\" 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 decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2024\/01\/brand_skipton-business-finance-1.png\" title=\"\" alt=\"\" loading=\"lazy\" \/>\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-6af5e5f6 e-flex e-con-boxed e-con e-child\" data-id=\"6af5e5f6\" 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-245ac46d e-con-full e-flex e-con e-child\" data-id=\"245ac46d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1ef91a85 elementor-widget elementor-widget-image\" data-id=\"1ef91a85\" 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 decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2024\/01\/brand_close-brothers.png\" title=\"\" alt=\"\" loading=\"lazy\" \/>\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-7a677b3b e-con-full e-flex e-con e-child\" data-id=\"7a677b3b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-653e6e1f elementor-widget elementor-widget-image\" data-id=\"653e6e1f\" 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 decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2024\/01\/brand_bibby-1.png\" title=\"\" alt=\"\" loading=\"lazy\" \/>\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-67022e94 e-flex e-con-boxed e-con e-child\" data-id=\"67022e94\" 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-ac1f158 e-con-full e-flex e-con e-child\" data-id=\"ac1f158\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-27925f49 elementor-widget elementor-widget-image\" data-id=\"27925f49\" 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 decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2024\/01\/brand_muse-1.png\" title=\"\" alt=\"\" loading=\"lazy\" \/>\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-11d1b551 e-con-full e-flex e-con e-child\" data-id=\"11d1b551\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4ce3bdc1 elementor-widget elementor-widget-image\" data-id=\"4ce3bdc1\" 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 decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2024\/01\/brand_abn-amro-1.png\" title=\"\" alt=\"\" loading=\"lazy\" \/>\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-2c6affb8 e-flex e-con-boxed e-con e-child\" data-id=\"2c6affb8\" 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-2f9afdcc e-con-full e-flex e-con e-child\" data-id=\"2f9afdcc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-33aebfd1 elementor-widget elementor-widget-image\" data-id=\"33aebfd1\" 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 decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2024\/01\/brand_aldermore-1.png\" title=\"\" alt=\"\" loading=\"lazy\" \/>\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-44cc9df6 e-con-full e-flex e-con e-child\" data-id=\"44cc9df6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-10b34626 elementor-widget elementor-widget-image\" data-id=\"10b34626\" 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 decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2024\/01\/brand_marketfinance-1.png\" title=\"\" alt=\"\" loading=\"lazy\" \/>\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\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3a004355 e-con-full e-flex e-con e-parent\" data-id=\"3a004355\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12c9774f elementor-widget elementor-widget-template\" data-id=\"12c9774f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"11997\" class=\"elementor elementor-11997\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-db4fd27 e-con-full e-flex e-con e-parent\" data-id=\"db4fd27\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-5de8fca e-flex e-con-boxed e-con e-child\" data-id=\"5de8fca\" 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-df32f97 e-con-full e-flex e-con e-child\" data-id=\"df32f97\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-982ddef elementor-widget elementor-widget-heading\" data-id=\"982ddef\" 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<div class=\"elementor-heading-title elementor-size-default\">Ready to grow your business?<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7886947 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"7886947\" 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-md\" href=\"https:\/\/southafrica.swoopfunding.com\/get-started?fundingReason=fundingOnboarding&#038;version=v3\" 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\">Get started<\/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 class=\"elementor-element elementor-element-efe67bd elementor-widget elementor-widget-html\" data-id=\"efe67bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n<script 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elementor-element-02e3464 elementor-widget elementor-widget-ucaddon_stricky_banner\" data-id=\"02e3464\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_stricky_banner.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=\"sticky-banner-container\">\n <div class=\"banner-product elementor-hidden-mobile open\" id=\"sticky-banner\">\n\n <div id=\"close-sticky\">\n <img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/za\/wp-content\/themes\/swoopMW50\/assets\/images\/close.svg\" title=\"close\" alt=\"close\" width=\"26\" height=\"26\">\n <\/div>\n\n <p class=\"sticky-title\">\n Get your free <span class=\"post-title\"><\/span> quote today <\/p>\n\n <div class=\"sticky-info\">\n <div class=\"line\">\n <img loading=\"lazy\" loading=\"lazy\" decoding=\"async\" src=\"https:\/\/swoopfunding.com\/za\/wp-content\/themes\/swoopMW50\/assets\/icons\/icon-clock.svg\">\n 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\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>Construction invoice finance The South African construction industry is dominated by a handful of giant corporations, multinational developers who build most of the largest, high profile construction projects in the country. Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on October 25, 2024. Next review due [&hellip;]<\/p>\n","protected":false},"author":26,"featured_media":0,"parent":22517,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-38655","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>Construction invoice finance The South African construction industry is dominated by a handful of giant corporations, multinational developers who build most of the largest, high profile construction projects in the country. Add a header to begin generating the table of contents Page written by Chris Godfrey. Last reviewed on March 3, 2026. Next review due March 1, 2027. Chris Godfrey Expert financial copywriter Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Barclays Bank, Metro Bank, Wells Fargo, ABN Amro, Quidco, Legal and&hellip;<\/p>\n","category_list_v2":"","author_info_v2":{"name":"Chris Godfrey","url":"https:\/\/swoopfunding.com\/za\/author\/chris-godfrey\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/swoopfunding.com\/za\/wp-json\/wp\/v2\/pages\/38655","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\/26"}],"replies":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/za\/wp-json\/wp\/v2\/comments?post=38655"}],"version-history":[{"count":23,"href":"https:\/\/swoopfunding.com\/za\/wp-json\/wp\/v2\/pages\/38655\/revisions"}],"predecessor-version":[{"id":44215,"href":"https:\/\/swoopfunding.com\/za\/wp-json\/wp\/v2\/pages\/38655\/revisions\/44215"}],"up":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/za\/wp-json\/wp\/v2\/pages\/22517"}],"wp:attachment":[{"href":"https:\/\/swoopfunding.com\/za\/wp-json\/wp\/v2\/media?parent=38655"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}