Unlock Business Growth with Revenue-Based Financing
Revenue-Based Financing gives your business access to working capital based on your future revenue, with repayments that flex in line with how your business performs. It's a fast, flexible alternative to traditional bank finance, built for growing South African SMEs — with no collateral and no equity dilution.
Funding in 24–48 Hours • No Collateral Required • Repay as Your Business Grows
How Does Your Business Benefit
from Revenue Financing?
Growing a business often means dealing with seasonal dips, one-off expansion costs, or opportunities that need capital fast — and traditional loans aren’t always flexible enough to keep up. Revenue Based Financing gives you access to working capital based on your future revenue, so funding can scale alongside your business rather than working against it. Flow48 structures repayments around your actual revenue performance, easing the pressure of fixed monthly instalments during slower periods. It’s a flexible way for growing South African SMEs to fund expansion, manage cash flow seasonality, and keep momentum without giving up equity or collateral.
Improve your liquidity with faster access to working capital.
Focus on growing your business instead of managing cash flow gaps.
Smooth out seasonal cash flow with funding that flexes around your revenue.
Ease the pressure of fixed repayments with terms that adapt to how your business performs.
Who is Eligible?
Flow48's funding is designed for South African SMEs across a wide range of industries — not just certain sectors. Whether you're in services, retail, distribution, or manufacturing, if your business has a track record of trading and generates consistent revenue, you could qualify. We typically look for at least six months of trading history and a reasonably predictable revenue pattern, since this helps us structure funding — and repayments — that genuinely fit your business.
All sectors and sizes are welcomed
We work with businesses across every industry — from services and retail to manufacturing and distribution — because cash flow challenges aren't limited to one sector.
Businesses with at least 6 months of operations
A short trading history helps us understand your business and structure funding that works for where you are today.
Businesses with stable and predictable revenue cycles
Predictable revenue makes it easier for us to tailor a funding solution and repayment structure that fits your cash flow.
How it works
1
Create an account
Sign up online in minutes with your basic business details — no paperwork, no branch visits, just a simple digital application to get started.
2
Register business
Add your business and banking information so we can verify your business and assess your eligibility for funding.
3
Upload documents
Securely upload your recent bank statements, invoices, or revenue records — whatever is relevant to the funding option you have chosen.
4
Select offer
Review your personalised funding offer, including the amount, terms, and repayment schedule, and accept the option that works best for your business.
5
Receive money
Once you accept your offer, funds are paid directly into your business account — typically within 24 to 48 hours.
Frequently Asked Questions
What is Flow48?
Flow48 provides Invoice Financing and Revenue Based Financing to help South African SMEs unlock working capital and improve cash flow — without taking on traditional bank debt or giving up equity.
How is Flow48 better than a bank?
Flow48 is built for speed and flexibility. Our approval process is faster than a bank’s, with far less paperwork, no collateral required, and no equity given up. Repayments can also flex in line with your business’s revenue, rather than the fixed monthly instalments a traditional loan requires — so you get quicker access to working capital without the rigidity.
How much can I apply for?
The amount you can access depends on factors like your business revenue, financial performance, and growth potential. We assess each application individually, so we can offer funding — through Invoice Financing or Revenue Based Financing — that genuinely fits your business.
When do repayments begin?
Repayments are structured around your funding agreement and explained clearly before you accept an offer, so there are no surprises. With Revenue Based Financing, repayments are linked to your business’s revenue rather than a fixed schedule, easing off when trading is slower; with Invoice Financing, repayments align with your invoice collection cycle. Either way, they’re built to work with your cash flow, not against it.
Does my business qualify?
We work with businesses across many industries, sizes, and stages of growth — not just a narrow set of sectors. If you have at least six months of trading history and a reasonably predictable revenue pattern, there’s a good chance you qualify. If you’re not sure, we’d still encourage you to apply — our team can quickly assess your eligibility.