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Factoring is easier to understand in a five-minute conversation than in five pages of text. Call us and we'll tell you plainly whether it fits your situation.
Call +267 392 6144The things most businesses want to know before they pick up the phone.
Factoring fees typically range from 2–5% of the invoice value, depending on the risk profile and the volume you put through. The rate reflects your customers' credit standing, the payment terms involved, and whether the facility is recourse or non-recourse. We quote in writing before you commit.
We offer both short-term and long-term agreements based on your needs. If you'd rather not commit at all, spot factoring lets you use the facility on a single invoice with no ongoing obligation.
Yes. With our spot factoring service you can choose to factor individual invoices as needed, without putting your whole sales ledger through or signing a long-term agreement.
Once an invoice is approved, you typically receive up to 75% of its value within 24 hours. The first transaction takes a little longer because we complete onboarding and assess your customers' credit standing at that point.
Under a full-service arrangement we manage collections directly, so your customers do interact with us. We handle that professionally and with your commercial relationship in mind — factoring is a normal, established business practice, not a distress signal. If discretion matters to you, raise it early and we'll discuss the options.
With recourse factoring, your business retains some risk if the customer doesn't pay, and the invoice can be returned to you. Non-recourse factoring shifts that risk entirely to us on approved invoices. Non-recourse costs more, because we are carrying the bad-debt exposure.
Factoring is not a loan, so there is no debt recorded on your balance sheet as a result of using it. This is one of the main reasons businesses choose it over an overdraft or term facility. Your accountant or auditor will confirm the correct treatment for your specific circumstances.
Standard factoring is supplier-led — you sell your own invoice to release cash. Supply chain finance, also called reverse factoring, is buyer-led: your customer sets up the programme, approves invoices as valid, and we pay their suppliers early at a rate priced off the buyer's credit standing. Suppliers are paid sooner and usually more cheaply than they could arrange alone, while the buyer keeps its normal payment terms.
Yes. Import and export factoring applies the same mechanics to overseas customers, and adds the two things that make foreign receivables difficult: assessing the creditworthiness of a buyer in another jurisdiction, and collecting from them locally if payment runs late. It also lets you offer open account terms rather than insisting on a letter of credit, which is often what wins the order. Talk to us about the specific countries involved.
Most B2B businesses with a stable customer base and reliable invoices qualify. The essential conditions are that you invoice other businesses on credit terms, the work has been delivered, and the invoice is undisputed. We work with a range of industries including manufacturing, logistics and tourism.
Stop waiting on payment terms you didn't choose. Let's talk about what your receivables could be doing for you today.
