Working Capital, Without the Wait

Turn unpaid invoices into cash you can use today

Capital Chambers Group helps Botswana businesses release the money locked up in their receivables — so payroll, fuel, stock and growth never wait on a client's payment terms.

What working with CCG looks like

Up to 75%
of invoice value advanced upfront
Within 24 hrs
of an approved invoice being submitted
From 2–5%
factoring fee, based on risk and volume
Zero debt
added to your balance sheet
The Short Version

From unpaid invoice to cash in hand

Diagram: your unpaid invoice, payable in 30 to 90 days, is verified and approved by CCG, releasing up to 75% as cash in your account with the balance following on settlement
Advance rates and fees depend on your customers' credit standing and the volume you factor.
What We Do

Six ways to finance your receivables

Every business runs on a different rhythm. Choose the structure that matches yours — or talk to us and we'll recommend one.

Invoice Factoring

Sell outstanding invoices and receive immediate cash instead of waiting out 30, 60 or 90-day terms.

Full-Service Factoring

We take on customer credit checks, collections and account reporting so your team can stay focused on trading.

Spot Factoring

Factor a single invoice when you need to, with no obligation to commit your whole sales ledger.

Non-Recourse Factoring

Transfer the risk of approved customer non-payment to us, so a bad debt doesn't become your problem.

Supply Chain Finance

Buyer-led reverse factoring: your customer approves the invoice and we pay your suppliers early, priced off the buyer's credit.

Import & Export Factoring

Finance cross-border trade, with credit assessment and collections handled in your overseas customer's market.

Compare all services
Why Factoring

It isn't a loan — and that changes everything

A bank overdraft is a liability with a ceiling. Factoring is simply you getting paid earlier for work you have already delivered. There is no debt recorded, no fixed limit to renegotiate, and the facility grows in step with your sales.

  • Improved cash flow — immediate access to money already earned.
  • Risk management — non-recourse cover shifts approved bad-debt risk to us.
  • Flexibility — the facility scales with your invoicing, not a fixed credit limit.
  • No new debt — nothing added to your balance sheet as borrowing.
  • Time back — we chase payment so your team doesn't have to.

Read the full explanation

The process, end to end

1

Submit your invoices

Send us the invoices you would like to factor.

2

We review and approve

We assess the creditworthiness of your customers.

3

Receive your cash

Up to 75% of invoice value, typically within 24 hours of approval.

4

We collect

We manage the collection process with your customer, professionally.

5

Balance released

Once payment clears, you receive the remainder less our fee.

Who We Work With

Built for businesses that invoice and wait

Most B2B businesses with a stable customer base and reliable invoices qualify. These are the sectors we know best.

Manufacturing

Keep raw materials moving and production lines running without waiting on debtor payments.

Logistics & Transport

Cover fuel, tolls, permits and driver wages between delivery and settlement.

Tourism & Travel

Meet IATA settlement deadlines and supplier commitments without waiting on client payments.

See how it works in each sector

Ready to improve your cash flow?

Tell us a little about your business and your invoicing, and we'll come back to you with an honest view of whether factoring is the right fit.