Convert purchase orders, invoices, contracts and assets into the working capital you need to grow, without giving up equity.
EEBC structures and arranges institutional finance through vetted lender, factor and investor partners. Every facility is matched to your cash cycle and risk profile.
Working capital decisions in South Africa are made on documentation, cash-cycle clarity and statutory compliance, not on relationship. We arrange across commercial banks, alternative lenders, factors, DFIs (SEFA, NEF, IDC) and private capital, and disclose every fee, ours and the lender's, before you sign. The assessment is free because honest pricing requires the transaction in front of us.
Every facility begins with a complimentary assessment. Pricing is structured per transaction.
Lenders decline incomplete entities at intake before pricing ever enters the conversation. Get CIPC, SARS, B-BBEE and CSD compliance right first, or the facility does not quote. Debt-only caps growth at coverage ratios, so for larger ticket sizes pair facilities with equity-grade documentation to unlock blended structures. Underwriting waits on data, live AI-managed books cut approval cycles from six weeks to days and improve pricing. Cross-border trade finance only closes when buyer and seller meet, stack the facility with a structured trade mission so the deal lands at signature.
Trading businesses in South Africa with confirmed purchase orders, raised invoices, signed contracts or revenue-generating assets that need liquidity without giving up equity, typically R250k upward.
A right-sized facility, purchase-order, invoice, trade, asset or working-capital, matched to your cash cycle and priced against multiple lenders. Drawdown ready in days once documentation is complete.
Assessment in 5, 10 business days. Structuring in 1, 3 weeks. Drawdown typically 2, 6 weeks from a complete file, depending on facility type and lender.
Cross-border trade finance, syndicated facilities, project and infrastructure finance, equity blending, restructuring and renewal management, dedicated capital lead for transactions above R10m.
Every facility starts with a free assessment. We never quote without one, and we disclose every fee, ours and the lender's, before you sign. Pick the level of involvement; we match it to your transaction.
Understand which facilities you qualify for.
We design the facility around your transaction.
End-to-end execution to drawdown.
Multi-facility, cross-border and structured deals.
Tell us the outcome. We assemble the services, deliverables and timeline around your business, with the same institutional spine behind every engagement.
Facility pricing is a function of compliance, data quality and capital structure. These pairings move the needle on every one, and shorten approval cycles measurably.
Lenders decline incomplete entities at intake, pricing never enters the conversation. Get statutory and tax compliance right, or the facility doesn't quote.
Debt-only caps growth at coverage ratios. Pair facilities with equity-grade documentation to unlock bigger tickets and better terms in the same quarter.
Underwriting waits on data. Live AI-managed books cut approval cycles from six weeks to days, and improve pricing because risk is verifiable.
Cross-border trade finance only closes when buyer and seller meet. Stack the facility with a structured trade mission so the deal lands at signature, not in negotiation.
Invoice finance (also called invoice discounting) advances a percentage of your raised invoice value while you retain control of the debtor relationship and collections. Invoice factoring transfers collections to the financier, who manages debtor follow-up directly. Pricing is similar; the choice depends on whether you want operational support or to keep customer-facing collections in-house.
With a complete documentation file, CIPC, SARS, B-BBEE, AFS, management accounts and the underlying contract or invoice, working capital approvals typically take 2 to 4 weeks. Purchase-order and invoice finance against verified buyers can move faster, sometimes inside 10 business days. Documentation gaps are the single largest cause of delay; assessment surfaces them up front.
It depends on the facility. Invoice and purchase-order finance are secured by the underlying receivable, no additional collateral is required. Asset and equipment finance are secured by the asset itself. Unsecured working capital facilities may require directors' sureties. Project and structured deals typically require a blend. We walk through every trade-off in writing before you sign.
Newer businesses with confirmed offtake agreements, anchor customer purchase orders, or qualifying CSD/CIDB-linked contracts can access purchase-order and contract-based finance even without two years of audited results. SEFA, NEF and select alternative lenders also fund earlier-stage trading businesses against transaction strength rather than vintage.
Yes, for qualifying businesses. SEFA covers small and micro working capital, typically up to R5 million. NEF offers working capital and growth funding to Black-owned businesses, R250k to R75m. IDC supports larger industrial, manufacturing and strategic working capital from R1m upward. We assess fit and prepare the application alongside parallel commercial lender options so you do not bet on one channel.
Direct answers. No hedging. If something here doesn't reassure you, the order doesn't make sense yet.
Named consultants. One accountable team per engagement, not a marketplace of freelancers.
Every fee disclosed in writing before signature. PayFast as merchant of record on every transaction.
Each engagement ships with a written scope, a delivery date and acceptance criteria.
Statutory, financial and operational steps follow CIPC, SARS and B-BBEE published procedure, not shortcuts.
A single point of contact for the life of the engagement. Weekly status, not status on request.
