CapX Finance

Is your business feeling as though it’s hit a plateau? Are you looking to grow it and expand to new avenues, but unsure how to go about doing it? Even if your cash flow is under pressure, there is a way and you’ve come to the right place.

CapX Finance is a finance company that was established in 1999 to provide short-term finance to SMEs and property owners. They have a vast range of financial products that they offer clients and they are built on the core foundations of simplicity and exemplary service.

They are well-known in the industry

These unique foundations are what sets them apart from traditional lenders who may well be known in the industry for other standards but come up unmatched in terms of theirs. Their average client is usually smaller and therefore often experience impersonal service from those lenders, where they focus on making every client feel respected, regardless of the size of their business.

A passion for business

Their experience has led them to share their passion for business, people and finance throughout all their encounters over the years. This passion, coupled with the technology that they have in today’s age, is what allows their client services to be as quick and efficient as it is.

They are currently represented by a respected network of franchises, independent agents and associates all over South Africa and Namibia.

Working capital for your business

CapX Finance understands that sufficient and quick cash flow is without a doubt the backbone of a business. Without it, you simply cannot grow your business to where you need it to go. At times cash flow problems can be a direct result of adverse credit terms. The annoying thing is that the smaller your business, the less chance you have of receiving good credit terms with typical lending institutions.

They take these problems and quickly turn them around by giving you working capital for your business. At CapX Finance, they work quickly to solve your cash flow problems and do so by minimising their paperwork process and being completely transparent when it comes to fees and charges. You can expect to apply for a minimum business loan amount of R50 000.

When opportunity knocks, open the door, quickly! Apply for business finance with them and you can expect to grab this opportunity by the proverbial horns and feel good about having taken a leap of faith with a new venture.

Why their finance? Other banks can take months before approving or even declining a business credit application and no one can afford to sit by and wait while their business starts plummeting.

They felt that if you don’t receive an answer immediately, it can add further strain to your already worrying situation. 

Business finance

They’ll assist in putting together a transaction that suits you, by considering budget components such as cash flow, payment options, tax, etc. and above all - business sense.

They pride themselves on being entrepreneurs. Where security is concerned, they will take a bond on the fixed property and focus primarily on this form of collateral over anything else.

Invoice discounting – If you feel as though your business is struggling with cash flow, they offer you invoice discounting to assist with this. They alleviate that pressure by giving you some room to breathe.

Invoice discounting

Did you know that statistics show most businesses fail within the first few years due to a lack of knowledge and capital when it comes to sufficient cash flow? Invoice discounting works to provide working capital for your business.

This form of flexible business finance helps you decide what your working capital requirement will be at any point. All businesses that supply goods or services on credit with a good credit standing have access to invoice discounting.

How does it work? A business sells its rights to any future invoice payments, to a finance house. The finance house then pays the business owner straight away while taking over the invoice and collecting the money from the debtor when payment of the invoice is due.

They also make sure to provide disclosed and undisclosed (confidential) invoice discounting to SMEs.