Six receivables finance structures, each built for a different cash flow problem. Here's what each one does, who it suits, and what it costs.
Sell your outstanding invoices and get immediate cash, without waiting for payment from your customers. This is the core facility — a rolling arrangement across your sales ledger that keeps working capital flowing as you trade.
Funding plus a complete outsourced credit-control function. We run credit checks on your customers before you extend terms, manage the collections process on your behalf, and provide regular reporting on your accounts.
Factor individual invoices as and when you need to, providing flexibility without a long-term commitment. There's no obligation to put your whole ledger through, and no monthly minimum to meet.
With recourse factoring, your business retains some risk if the customer doesn't pay. Non-recourse factoring shifts that risk entirely to us on approved invoices — so an insolvent debtor becomes our loss, not yours.
The mirror image of standard factoring. Here the buyer starts the programme: once they approve an invoice, we pay their supplier early at a rate priced off the buyer's credit standing — usually far better than the supplier could obtain alone. The buyer then settles with us on their normal terms.
Cross-border trade finance for businesses selling to, or buying from, customers outside Botswana. We advance against your export invoices and take on the work that makes foreign receivables difficult: assessing overseas buyers, and collecting in their market and their language.
The simplest way to tell these products apart: standard factoring is supplier-led — you sell your own receivable to release cash. Supply chain finance is buyer-led — your customer sets up the programme and your suppliers benefit. Import and export factoring is either of those, applied across a border, with the added work of assessing and collecting from a party in another country. If you're not sure which describes your situation, tell us who owes whom and we'll point you to the right one.
Our factoring process is straightforward and designed to integrate seamlessly with your existing systems — not replace them.
Send us the invoices you want to factor, along with supporting delivery documentation.
We assess the creditworthiness of your customers and verify that the goods or services were delivered.
Once approved, you receive up to 75% of the invoice value within 24 hours.
We handle the collection process with your customers, professionally and with your relationship in mind.
After your customer pays, you receive the remaining balance, minus our fees.
Most B2B businesses with a stable customer base and reliable invoices are eligible. Unlike a bank facility, the assessment leans more on your customers' ability to pay than on your own trading history — which is why young and fast-growing companies often qualify where a loan wouldn't be available.
We work across a range of industries, including manufacturing, logistics and tourism. If you're unsure whether your situation fits, ask — a five-minute conversation is usually enough to tell.
Having these to hand makes the first conversation much faster:
Factoring fees typically range from 2–5% of invoice value, depending on the risk profile, the credit terms and the volume you put through. We quote in writing before you commit, and we don't add charges you haven't seen.
Send us a note about your business and your invoicing, and one of our representatives will come back to you with a clear view of the options.
