Cash Flow Capital

Cash Flow Capital eligibility and documents

The published criteria include six consecutive trading months, monthly turnover of R300,000, business premises and operating for profit. Another FAQ uses “more than” six months and R300,000, so confirm eligibility if you sit exactly at either threshold. The FAQs exclude non-profit organisations, construction companies and logistics companies.

Initially, provide an application and three months’ bank statements. Financial statements and a lease agreement are requested when concluding the contract; further documents may be required.

The application terms authorise credit enquiries into the company and its directors or members, alongside fraud and reference checks. Its privacy policy also describes financial and affordability assessments. Meeting the entry criteria does not establish that an advance is affordable or will be approved.

Who this working capital funding may suit

Our assessment is that this structure is most useful when expenditure produces cash soon enough to cover collections: for example, stock with a predictable sales cycle. Test the proposed repayments against a quieter trading period, after wages, rent, suppliers, tax and existing finance commitments.

Reconsider if the advance would cover recurring losses or a project that takes years to generate income. Compare an overdraft for recurring shortfalls, invoice finance for unpaid customer invoices, or asset finance for equipment through the relevant business funding options. Compare actual quotations rather than assuming one structure costs less.

How to apply and receive funding

Application process

1. Follow the application link on Cash Flow Capital’s official website to its funding portal.
2. Provide business and owner information, explain the funding purpose and upload requested documents.
3. Review the written offer, collection schedule and agreement before accepting. Confirm the contracting entity and the net amount reaching your account.

Read the data permissions before submission. The provider’s privacy policy describes collecting identity, financial and credit information and sharing information with categories including credit bureaux, service providers and group entities.

Approval and payout timing

The homepage advertises a decision within 24 hours and funding within hours after approval. Other pages mention 24–48 hours or a 72-hour turnaround. These descriptions use different milestones; obtain a timeframe for your completed application. Additional document requests can extend the process.

Repayment support and complaints

For payment difficulties or a complaint, contact Cash Flow Capital before the next collection where possible. Its contact page lists 087 720 1287, WhatsApp 062 703 3279 and weekday hours of 08:00–17:00. Request a written response and the escalation route applicable to your agreement. Confirm any repayment adjustment in writing.

Questions to ask before accepting an advance

• What net amount will reach the business, and what is the total payable including every compulsory charge?
• Which collection dates apply, including weekends and public holidays, and can payments change if sales fall?
• Is any collateral or personal surety required, and what liability would a director retain?
• What happens after a missed debit, and which default or recovery costs may follow?
• How is an early settlement amount calculated, and which charges remain payable?

Cash Flow Capital advantages and limitations

Advantages: An online application route and a choice of collection frequency allow businesses to assess funding against their operating cycle. The provider also advertises an early settlement discount, subject to confirmation in the offer.

Limitations: There is insufficient public pricing to establish competitiveness. Fixed collections can leave less cash available during weak trading. Security disclosures also conflict: the working capital page contains both “100% unsecured” and “100% secured”, while the FAQs describe advances as unsecured. Obtain written clarification rather than treating either label as conclusive.

Interest, fees and the total cost of funding

The existing listing’s 32% starting rate and R1 million ceiling could not be substantiated from current official product information. They should not be treated as verified offer terms.

Request an itemised quotation showing the advance, deductions before payout, financing charge, any administration or collection fees, applicable taxes and total repayment. Confirm whether insurance is compulsory; if so, obtain its premium, cover, exclusions and cancellation conditions. An undisclosed charge is not necessarily a zero charge.

For comparison, subtract the net cash received from all amounts payable under the agreed schedule, including separately paid compulsory costs without counting them twice. If the offer expresses the charge as a percentage or repayment multiple, ask what period it covers: that figure is not automatically an annual interest rate or APR.

Check both the total rand cost and the highest scheduled monthly outflow. A manageable individual debit can still leave insufficient money for payroll or suppliers when several collections fall before customer payments arrive.

Our assessment of Cash Flow Capital

Cash Flow Capital merits comparison when a trading business has a defined short-term funding need and receipts that can support frequent collections. Its strongest practical feature is the choice of repayment frequency. Its main limitation is the need to resolve pricing and security details through an individual offer. The decisive comparison is the total cost and cash remaining after repayments, measured against another suitable funding quotation.

Cash Flow Capital business funding FAQs

How much can my business borrow, and over what period?

The reviewed official pages do not establish a current minimum or maximum advance. Published repayment terms are generally 4–12 months, with other periods potentially available by agreement. When comparing offers, use the same net amount received: deductions before payout can leave less usable cash than the headline advance. A larger approval is only useful if its repayment schedule fits your business’s receipts.

Does Cash Flow Capital fund start-ups or businesses with lower turnover?

This product targets established businesses. Published requirements include six months’ trading, R300,000 monthly turnover, business premises and operating for profit. Some wording requires more than six months and R300,000, so confirm acceptance at those boundaries. The FAQs also exclude non-profits, construction and logistics companies. Meeting the turnover threshold alone therefore does not establish eligibility; check sector acceptance before preparing a full application.

Will repayments decrease if my sales fall?

The working capital page describes fixed daily or weekly debit orders, rather than collections that automatically track sales. This distinction matters when comparing merchant cash advances: a fixed debit takes a larger share of cash receipts during a quiet week. Ask whether payment adjustments are available, what evidence is required and whether a change would increase the total cost or extend the agreement.

Will applying affect my credit record or involve checks on directors?

Cash Flow Capital says preliminary qualification does not affect your credit score. However, its application terms authorise credit enquiries into the company and its directors or members. Treat preliminary qualification and the full application as separate stages. Before submitting several funding applications, ask when each provider conducts its credit search, whose record it searches and how that enquiry is recorded.

Is the funding unsecured, and could I still be personally liable?

The FAQs describe advances as unsecured, but the working capital page contains conflicting secured and unsecured labels. Personal surety requirements could not be verified. Request written confirmation of collateral, director undertakings and any personal liability. For comparison, ask whether a surety is capped, covers only this advance or extends to future borrowing, and what releases it after settlement.

How do I compare Cash Flow Capital’s cost with a bank business loan?

No numerical interest rate, APR or complete fee schedule was verified in the reviewed pages. Obtain the net payout, every scheduled payment and any separately payable compulsory fees or insurance. Compare offers for the same funding need using total rand cost and payment dates. A flat charge or repayment multiple is not directly comparable with an annual bank interest rate. Frequent repayments also return capital sooner, which matters when comparing annualised costs.

Would settling early meaningfully reduce the cost?

Cash Flow Capital advertises an early settlement discount but does not explain its calculation in the reviewed FAQs. Ask for a settlement illustration at your expected repayment date, identifying the discount and charges that remain payable. Compare the saving against the payments you would otherwise still owe. This is particularly useful if funding bridges an invoice payment and you expect to repay before the scheduled end date.

Can Cash Flow Capital replace advances from other business funders?

Its FAQs describe business debt consolidation in which Cash Flow Capital pays other working capital providers and the business then repays one provider. Confirm whether your existing facilities qualify. Compare the new agreement’s total payments and any separately payable settlement costs with the payments remaining on your current facilities. A smaller regular payment does not establish a lower total cost; also separate any additional cash received from the amount used to refinance debt.

Does the five-minute application mean I can rely on same-day funding?

No. Five minutes refers to applying or pre-qualifying. The provider advertises feedback within 24 hours, while other wording refers to a 72-hour turnaround; further documents can delay assessment. Its FAQs request three months’ bank statements initially, with financials and a lease agreement at contracting. For a supplier deadline, obtain confirmation of outstanding approval conditions and the expected payout date, rather than relying on the application-time claim.