A customer hasn't paid me yet

What's usually happening

Most business-to-business customers pay on 30, 60 or even 90-day terms. That's normal trade, not a sign anything is wrong. But it means the gap between doing the work and being paid for it can run to weeks or months, while staff, suppliers and rent are due on their own schedule regardless.

Likely routes

Route 1Invoice discountingPart of the invoice value advanced before your customer pays, settled once they pay.See invoice discounting Route 2Working capitalA general facility, not tied to any specific invoice, repaid on its own schedule.See working capital

Does this fit you?

You invoice other businesses, not consumersInvoice discounting (debtor finance) is built around business-to-business invoices.Likely fit.
Your customer might be told a funder is involvedSome arrangements notify the customer, some don't. Ask directly before proceeding.Possible fit.
Most income is by card, not invoiceSee Merchant Cash Advance instead.Probably not this route.

Check my funding options or WhatsApp Ryan

What you'd need

Who we can help: Registered companies (Pty Ltd or CC) trading for at least 12 months, with funding from R50,000. A Merchant Cash Advance also needs annual turnover of R600,000 or more; other funding types have their own criteria.
Asked first: How you're paid, how much you need, what it's for
Asked later, if you go ahead: Bank statements, company documents, ID
What they'll never ask for upfront: Money before any funding is paid out

What's usually happening

Likely routes

Does this fit you?

What you'd need

Not sure this is the right fit?