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Invoice discounting made easy

Invoice discounting (aka invoice financing) is a form of funding that allows SMMEs to gain instant access to cash tied up in the invoices they’ve already submitted.

Waiting 30, 60 or even 90 days for your invoices to be paid by your clients can be frustrating. It limits your business’ ability to grow and deliver on new orders or support new clients.

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At Sourcefin, we understand the importance of easy access to cash flow and that’s why our invoice discounting solutions make it easy for you and other South African business to access the cash you need. We acknowledge the amazing work you’ve done by paying you early for the invoices you’ve already submitted.

How invoice discounting works​

We simplify the entire invoice finance process to make it easy for you to secure the cash you need.

1.

Simple
application

First, answer a few simple questions to see if we’re the right fit for you. Second, provide basic business and personal information effortlessly supported by automation. Finally, tell us about the deal so we can prepare to provide you with invoice discounting.

2.

Smart
approval

Using cutting-edge automation and state-of-the-art credit qualifications, we strive to make every invoice discounting deal work through careful assessment, even when other funding firms can’t. Our friendly consultants will make sure you understand everything and help you every step of the way without hidden fees or costs.

3.

Seamless
advance

Once your invoice finance is approved, Sourcefin will pay you a portion of the invoice value. We’ll keep track of the expected payment date and follow-up with your client when needed. We’ll let you know once the invoice has been paid and take our original advance plus any interest due to us. You’ll keep the rest to grow your business!

Quick & easy funding through Sourcefin's invoice discounting

Open-minded invoice finance

Our open-minded approach to invoice discounting means that we try to make your application work, even if you are a startup / SME or have been rejected by others

Private & public invoices

Whether you have delivered to government or a private client doesn’t matter to us; we provide invoice finance on an approved invoice from an approved purchaser

Invoice validation & follow-up

Our specialists will validate and follow up with your client to make sure your invoice has been approved and that you get paid after delivery

Specialist business process support

We offer more than just invoice discounting. We offer specialist support for business processes and seamless operations to help you grow your business with ease

Find out if you qualify for our invoice discounting

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Invoice finance at your fingertips​

You now have access to a funding partner born to enable your business’ growth. Sourcefin is your ultimate invoice finance partner, providing you with quick and easy funding on your next invoice. We deliver:

  • Open-minded invoice funding closing the payment gap
  • Specialist invoice finance support submitted to public and private clients
  • Invoice funding in as fast as 24 hours since your growth doesn't wait
  • Quick and easy access to the cash you need to help you scale
  • Shared value through partnerships, not once off funding, so we grow together
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FAQs about invoice discounting

We’ve answered the most common questions about invoice finance.

Invoice discounting is a form of short-term funding that allows businesses to access cash tied up in unpaid invoices. Instead of waiting 30, 60, or 90 days for clients to pay, you can receive a portion of the invoice value upfront, improving your cash flow immediately.

Invoice discounting is also known as invoice financing, invoice funding, receivables financing, or accounts receivable financing. These terms are often used interchangeably in the financial industry.

With invoice discounting, you retain control of your sales ledger and client relationships, while invoice factoring involves selling your invoices to a third party who manages collections. Invoice discounting is typically more discreet as your clients may not know you’re using the service.

Invoice finance is a broader term that encompasses both invoice discounting and invoice factoring. Invoice discounting is a specific type of invoice finance where you maintain control of your credit management.

Benefits include improved cash flow, faster access to working capital, the ability to take on larger orders, reduced stress from waiting for payments, and the flexibility to grow your business without traditional loan constraints.

With Sourcefin, you can access funds in as fast as 24 hours after approval. The exact timing depends on the verification process and the specifics of your invoice.

Any business that issues invoices to other businesses (B2B) can use invoice discounting. This includes startups, SMEs, and established companies across various industries.

Costs typically include a service fee and interest on the advanced amount. At Sourcefin, we’re transparent about all fees with no hidden costs, and our consultants will explain everything clearly.

Simply click the ‘Apply Now’ button and complete our straightforward online application. Answer a few questions about your business and the invoices you want to finance, and our team will guide you through the rest.

You’ll typically need copies of the invoices you want to finance, proof of delivery or service completion, your business registration documents, and recent bank statements.

We can discount invoices issued to both private companies and government entities. The invoices should be for goods or services already delivered and must be from approved purchasers.

Yes, invoice discounting can often be used alongside other forms of financing. We assess each application individually and work to find solutions that fit your specific situation.

Beyond funding, we offer specialist support for business processes, invoice validation, client follow-up, and guidance to help you grow. We’re partners in your success, not just a funding provider.

Sourcefin offers an open-minded approach, fast funding (as quick as 24 hours), transparent pricing, specialist support, and a partnership-focused model that helps your business grow sustainably.