Enhancing cash flow: Unlocking business growth with expert Debtor Finance

In commercial banking, credit-based sales offer customers payment flexibility but strain a company's cash flow due to payment delays. Sasfin's Debtor Finance provides businesses with working capital access to maintain robust cash flow and operational stability. When companies extend credit to customers, payment delays ranging from weeks to months can tie up a significant portion of working capital in accounts receivable, impacting day-to-day operations and immediate financial obligations. Sasfin's solution addresses this challenge by unlocking the working capital cycle, enabling businesses to manage their finances efficiently and sustain growth.

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We provide various debtor finance services for your needs

  • Our Debtor Finance offering allows you to convert credit sales to largely cash sales.
  • You can improve your business’s cash flow and achieve growth.
  • It puts you in a position to better negotiate for discounts with your suppliers.
  • It gives you the flexibility of offering longer credit terms to your clients, thereby securing more sales.

We discount credit sales by up to 80% of the invoice value and adopt one of two approaches:

  • Disclosed Debtor Finance (via a full debtor management and administration service); or
  • Confidential Invoice Discounting (where the client keeps control of the debtors’ book)

The debtor financing process involves us discounting invoices for clients and advancing the funds prior to due date, thus shortening the cash flow period.

  • Established businesses with a financial track record of two or more years.
  • Minimum R50m annual turnover
  • Minimum deal size: +/- R5m
  • Must be solvent, liquid, and profitable
  • Business must not be highly geared

Calculate your potential Debtor Finance facility amount

By entering your debtor book value, you can quickly estimate the indicative amount your business could qualify for. This assessment of your Debtor Finance eligibility will offer insights for effective financial management and growth. Start using our Debtor Finance Calculator today and ensure your business stays on track to succeed.

Debtor finance calculator results
Please enter your contribution and calculate.
This online calculator provides an indication only. You use this online calculator at your own discretion. The criterion used by this online calculator are subject to change at any point. Sasfin Bank Limited gives no warranty, express or implied, as to the accuracy, reliability and completeness of any information, formulae or calculations provided through the use of this calculator and does not accept any liability for loss or damage of whatsoever nature, which may be attributable to the reliance on and use of this calculator. We do not warrant the integrity and security of this calculator or that it is free of errors, corruption, viruses, interception or interference.

Meet the Trade and Debtor Finance team

Michael Latchigadu

Michael Latchigadu

Head: Trade & Debtor Finance

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Find out more about Michael Latchigadu
Warren Lester

Warren Lester

Regional Manager: KZN

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Shaun Bhullan

Shaun Bhullan

Account Executive

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Wesley Mills

Wesley Mills

Account Executive

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Contact us today

Johannesburg

+27 11 809 7500
info@sasfin.com

Cape Town

+27 21 443 6800
info@sasfin.com

Durban

+27 31 271 8750
info@sasfin.com

Get one of our trained staff members to contact you for your business needs

Contact us to find out how we can provide you with various debtor finance services best suited to your business needs.

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