Invoice & PO Finance Calculator
Estimate the cash you could unlock from an unpaid invoice or purchase order, the fee it costs, and what you would net after settlement.
Invoice & Purchase-Order
Finance Calculator
Stop waiting 30, 60 or 90 days to get paid. See exactly how much cash you could unlock today, what it would cost, and whether unlocking it beats waiting. All figures are illustrative estimates to help you plan.
Your Invoice
Enter the deal to estimate your funding.
The total your customer owes you.
% of the value paid to you upfront (typically 70–90%).
Illustrative estimate. Real rates depend on the funder and your customer's credit.
You've delivered and issued the invoice. The funder advances most of the value now and settles the rest (less their fee) when your customer pays.
Cash Advanced Today
R0
In your account upfront
Est. Fee Cost
R0
Scaled to the wait
You Receive in Total
R0
Advance + settlement, less fee
Effective Cost
Of the value, for this deal
0%
Annualised
Comparable to APR
0%
Cash Now vs. Waiting
Unlock working capital now
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Invoice Finance vs. Purchase-Order Funding
Both fix the same headache — a cash-flow gap — but at opposite ends of a deal. Knowing which one you need is the first step to getting funded fast.
Invoice Discounting / Factoring
You've already done the work or delivered the goods and issued an invoice on 30–90 day terms. The money is owed to you — you just can't wait that long to be paid.
- The funder advances most of the invoice now.
- They release the balance, less a fee, once your customer pays.
- Secured against your debtor's book, not your assets.
Purchase-Order (PO) Funding
You've won an order you can't afford to fulfil. You need cash to pay suppliers and produce or buy the stock before you can invoice and get paid.
- The funder pays your supplier against a confirmed PO.
- You deliver, invoice the customer, and the funder is repaid.
- Lets you say "yes" to big orders without turning them away.
Why this matters for SA SMEs
Late payment is one of the biggest killers of South African small businesses. When corporates and government pay on 60–90 day terms, a profitable order can still sink you if you run out of cash mid-way. Invoice and PO finance turn that paper profit into working capital — but the fee is real, so always compare the cost against simply waiting.