Back to Loans and Finance

Debtor Finance

Debtor Finance
Debtor Finance

Debtor Finance

Access debtor finance, and improve business cash-flow


  • Funds from debtors before their invoices are paid
  • Debtor administration and collection services

Customised cash-flow
solutions

Call me back

About Debtor Finance

Debtor Finance is a type of loan where Standard Bank purchases a portion of your debtor’s book, while supplying immediate cash, keeping your business liquid.

How it works
How it works

How it works

How it works

  • You can borrow a percentage of the funds owed to you by your clients on their invoices due. It is paid directly into your Standard Bank Business Current Account
  • All you need is a valid invoice and proof of delivery for the work you have done
  • You can opt for non-disclosed debtor finance, or disclosed
    • Non-Disclosed Debtor Finance is when debtors settle the invoice, we recover the payment accordingly and return the retention value to you
    • Disclosed Debtor Finance allows you to run your debtor administration through our computerised debtor’s administration and collection services.
      You are still advanced a percentage of funds, and the balance is paid to you on collection
What you get
What it costs

What it costs

What it costs

  • Interest is charged only on the money you borrow
  • Amounts borrowed are dependent on risk, and are determined the same way as overdraft rate
  • Interest is recovered monthly and calculated on the daily outstanding balance
  • Repayments are deducted monthly from your Business Current Account

What this means for you

  • Immediate access to funds before your customers pay their invoices
  • The choice of debtor’s book administration and collection services from Standard Bank
  • We rate new debtors for you, confirming if they are in good financial standing