Frank’s blog.
Comparisons, explainers, and honest takes on SA SME lenders and funding products.
Alternatives to a bank overdraft for SA small businesses
Bank overdrafts are cheap but hard to get and slow to grow. Here are the practical SA alternatives for smoothing cashflow, and the trade-offs of each.
Invoice factoring vs invoice discounting in South Africa
The difference between factoring and discounting matters when you compare SA invoice finance. The core trade-off, and when each one fits.
How SA alt-lenders underwrite SME applications
What South African alternative lenders look at, in what order, and how to prepare so your application doesn’t stall at the first review.
The real cost of a merchant cash advance in SA: factor rate vs APR
Merchant cash advance quotes are priced as a factor rate, not an interest rate. Here’s how to translate it into APR so you can compare apples-to-apples with a term loan.
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