EMS LINGANI
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About

We are a Black owned business under the EMS Group that predominately looks at structured finance transactions. Our Predominant market focus is on Government, Parastatals and municipalities, this is our primary client base although we are equally involved in private sector transactions. Our role is one of funder. Our focus is on meeting the capital needs of small to medium enterprises and companies that seek funding for various transactions across the business divide, whether it be Order finance, Invoice discounting etc.

Our deals within the group are usually outside the norm in that they usually need structuring and hence we leverage on the group subsidiary companies in the execution of these. We look at unlocking value out of our clients, for the client and for ourselves. Hence sometimes we end up with an equity transaction out of a deal that initially was just an order finance transaction. The focus and idea being not just to help an SME with order finance but to assist that SME to grow into a big business and create true Black Enterprises and not just transaction businesses.

WHO ARE WE

We are a Black owned business under the EMS Group that predominately looks at structured finance transactions. Our Predominant market focus is on Government, Parastatals and municipalities, this is our primary client base although we are equally involved in private sector transactions. Our role is one of funder. Our focus is on meeting the capital needs of small to medium enterprises and companies that seek funding for various transactions across the business divide, whether it be Order finance, Invoice discounting etc.

Our deals within the group are usually outside the norm in that they usually need structuring and hence we leverage on the group subsidiary companies in the execution of these. We look at unlocking value out of our clients, for the client and for ourselves. Hence sometimes we end up with an equity transaction out of a deal that initially was just an order finance transaction. The focus and idea being not just to help an SME with order finance but to assist that SME to grow into a big business and create true Black Enterprises and not just transaction businesses.

WHAT WE DO

Our funding is distributed on a deal by deal basis with a focus to fund attractive opportunities that meet our guidelines. We are involved not just in funding deals that are what we call ‘line of sight’ transactions, such as purchase orders, invoice discounting and merchant loan finance, but our reach is into transactions that we structure ourselves under EMS Lingani. These may include corporate transactions for large MNC’s such as Anglo American or Eskom and transactions for government departments or municipalities.

We have developed together with our business partners Revenue Enhancement Solutions, Debt Collection Solutions even up to Waste management Solutions into various sectors. These opportunities invariably will always have a line of sight opportunity for EMS Lingani. We are very entrepreneurial in our approach. We ensure that the complex administrative roles are fulfilled on every project and assist with project management.

Our strategic partnerships with our group companies has enabled us to execute projects in areas such as Fibre Connectivity, Telecommunications, Training, Energy,  and Agricultural sectors.


INNOVATIVE FUNDING SOLUTION

Contact us

to find a suitable cash flow solution for your business.

Tel: 087 550 1953 / 012 004 0581

How it Works

  • You sell your uncollected invoices to us.

  • We’ll make 80% of the eligible invoice value available to you within one business day.

  • You access the funds as you need.

  • Your loan is reduced as debtors pay into your account.

  • We give you more funding when you submit new invoices.

 BENEFITS

  • Quick solution to cash flow problems: Invoice Discounting releases cash that you’ve got locked in your customer invoices, shortening working capital cycles. Commercial loans can take weeks or even months, whereas Invoice Funding can be processed within five approximately 10 business days. 

  • There’s no credit or collateral at stake: In most cases, you won’t need to use any of your assets as collateral as your loan is based on invoices that your customers will pay in the future. Invoice Funding turns your accounts receivable (debtors journal) into liquid cash.

  • Invoice Discounting is completely confidential: Unlike Invoice Factoring, your customers won’t be aware of your loan and will never need to deal with a third party.

  • Allows more room for credit sales: You can improve your relationships and reputation with your customers, by allowing them a longer credit period (e.g. 60 days as opposed to cash on delivery) without your business suffering.

Frequently Asked Questions

What is Invoice Financing?

Invoice Financing is short-term financing, used to improve the working capital and cash flow position of your business. Businesses that have large corporates as customers typically have to wait 30-90 days for their invoices to be paid. Invoice Financing enables you to sell your invoices at a discount and get paid immediately.

How do I qualify?

Most businesses are suitable for a Cash Flow Finance Facility, as long as you have business to business sales on credit terms. Invoices to your customers must be for goods and services that have been delivered in full.

How soon after sending my invoice, can I access funds?

Typically, funds can be made available within 24 hours of an invoice being received and sometimes, same day payments.

Do I need to provide security?

Debtor Finance is secured primarily by your debtors’ ledger (accounts receivable). We do not require property security. This is a major point of difference when making comparisons to other types of financing such as a bank overdraft.

Can I use Invoice Financing?

Yes, if you are a South African registered business with customers that are large corporations or government bodies and you need working capital to grow your business.

Do you have minimum turnover requirements?

No, we assess each application on a case by case basis - we've funded startups through to established businesses. We only require a minimum invoice size of R30,000 (talk to us about bundling smaller sized invoices).

Is Discounting different to Factoring?

Yes, we do not require you to fund all of your invoices. You select the invoices as you want to finance, to bring in exactly the amount of cash you need for your business. Business Capital offers flexible financing and you're not tied in to long-term contracts. There are no ongoing fees and you know exactly your cost of finance upfront. And importantly, we don't interfere with your customer relationship.

How much does it cost?

There are no hidden costs. The total cost of funding will be clearly presented before an invoice is financed and will depend on the invoice value and expected payment date. Get In Touch and we'd be happy to give you pricing information specific to your business.

Are my Invoice Financing costs fixed?

There are no fixed costs. As you build up an invoice trading history with us and investors see a history of repayment from your debtors, your cost of finance may reduce over time.

How much do I receive?

Up to 80% of the invoice value is advanced, less any fees. A Late Payment Reserve is withheld that is equal to one month’s discount fee and is paid to you when the debtor pays on time.

What happens if an invoice is paid late?

Speedy, easy and simple application process The Business Cash Advance can be paid to you in approximately 5 business days No security needed (terms and conditions apply) Payments are flexible, when business is down you have an option to pay less and vice versa You don’t have to worry about repayments as it is directly tied to your business’s daily card sales

How much funding does my business qualify for?

The discount fee paid to investors accrues at a daily rate and will be adjusted accordingly. Any additional discount fee accrued after the expected payment date will be deducted from the Late Payment Reserve.

What happens if my customer doesn't pay the invoice?

Business Capital does not chase the debtor for payment. Recourse is to you in the event of non-payment by the debtor.

Do you contact my customer?

Once a trade is ready, Business Capital seek verification with the debtor and this is led by you.

How do I sign up?

Fill out our simple Online Application and get started.

How can we help you reach your business goals?

Contact us today to find out if you qualify for a retail / merchant cash advance.

Tel: 087 550 1953 / 012 004 0581