Fund The People · Our Funding Solutions
Best invoice discounting in Johannesburg
Keep your next move in sight while your invoice awaits payment. Speak to our Sandton team with a clear record of what your business is owed.
A clear place to start
Government opportunities
Completed records
A guided enquiry
Fund The People facilitates access to funding through funding providers.
By Fund The People · Service information reviewed 8 September 2026
Choosing invoice discounting for a Johannesburg business
The best invoice discounting in Johannesburg starts with the quality and payment position of the invoice. Compare the buyer, proof of delivery, total cost and customer-contact arrangements before deciding. A nearby office is useful for a conversation; it does not replace those checks.
Fund The People’s head office is in Sandton. Our standard Invoice Discounting Solutions route is for CSD-registered South African companies with completed delivery under a valid government or municipal order and a qualifying outstanding invoice. The standard minimum opportunity value is R250,000.
Your Johannesburg business. Our Sandton team.
| Business and service | Best suited to | Opportunity size | Key support |
|---|---|---|---|
| Fund The People — our Invoice Discounting Solutions | Johannesburg businesses with qualifying government invoices after completed delivery | Standard minimum opportunity value: R250,000. Funding amount assessed separately. | A guided invoice enquiry with a clear document checklist and published client reviews; a Sandton contact point |
| What matters to you | Fund The People | Why it matters |
|---|---|---|
| Business and service | Fund The People — our Invoice Discounting Solutions. Fund The People facilitates access to funding through funding providers. | A clear route to discuss the payment gap after delivery. Our Invoice Discounting Solutions |
| Best suited to | Johannesburg businesses that meet Fund The People’s public-sector invoice criteria after completed delivery. | Discuss your actual buyer and transaction with the Sandton team. Read our service criteria |
| Opportunity size | A standard minimum opportunity value of R250,000. The amount available, if any, is assessed separately. | Distinguish the invoice value from the funding amount. See the starting requirements |
| Stage of work | Delivery is complete and supported by a delivery note or completion certificate. | Use the route that matches work already fulfilled. Prepare the delivery evidence |
| Application experience | Use the approved four-step enquiry and share the invoice with its supporting records. | Keep the company and transaction information together. Start the four-step enquiry |
| Client evidence | Published Google review excerpts describe clients’ experience with invoice discounting and document preparation. | Read the original review links and ask how the process applies to your business. Read the invoice-related reviews |
| Costs and release | Ask for the initial payment, any retained balance, all charges and the conditions for any later release. | Compare the cash received with the complete cost. Discuss your invoice enquiry |
| Sandton contact point | Commerce Square, Building 2, 39 Rivonia Road, Sandton, Gauteng, 2196. Call 010 634 1999, Monday–Friday, 08:00–17:00. | Start online or contact the team to arrange a conversation before travelling. Contact details and directions |
A Johannesburg business can invoice different kinds of buyers
Your company address does not tell us who owes the invoice. Name the legal buyer shown on the government purchase order and invoice. A municipality, provincial department, public entity and private company are different counterparties, even if their offices are close to one another.
The current Fund The People pathway focuses on government and municipal receivables. Do not label a private customer’s invoice as a government invoice because the goods ultimately reach a public project. Explain any intermediary or subcontracting relationship so the team understands the actual debtor.
Reconcile the invoice before comparing funding offers
Start with the amount still unpaid. A provider needs to see what was invoiced, what the buyer has accepted and what has changed since the original invoice was raised.
- Match the purchase-order reference to the invoice and delivery evidence.
- List payments already received and their dates.
- Show any credit note, deduction, retention or disputed amount separately.
- Keep the buyer’s acknowledgement and payment correspondence together.
- Disclose any existing funding or security over the same receivable.
A current-balance example
A R400,000 invoice, less R100,000 already paid and a R25,000 credit note, leaves R275,000 unpaid. This is a balance reconciliation, not an available funding amount or an eligibility decision. Include the original documents and explain each adjustment.
Know who can confirm the work and the payment position
When work is delivered at one site and invoices are processed elsewhere, keep both sets of details available. The receiving official or project contact may confirm completion, while the finance team handles invoice queries. Do not assume that proof of delivery alone confirms the payment date.
Send the records you actually hold. If the buyer has queried quantities, completion or the invoice reference, include that correspondence. An accurate explanation is more useful than an outdated “unpaid” total.
Ask the proposed funding provider who will contact your buyer, how payment instructions are communicated and whether you continue handling collections.
Clarity matters when you are already waiting for payment
“She helped me navigate invoice discounting and made sure my documentation was correct before I even sat with Andile.”
Clear records help the team understand your enquiry. Start with the documents you have and identify anything still being prepared.
Explore the original client-review linksWhat to send to the Sandton team
Put the transaction records and company records into one clearly labelled pack. Show the invoice’s present position, not only its original face value.
- Director IDs and contact details
- At least six months of company bank statements and a bank confirmation letter
- CIPC records, current CSD information and tax-status certificate or PIN certificate
- Government purchase order and the invoice or invoices
- Delivery note or completion certificate
- Proof of address for the directors and company
- Current buyer correspondence, amendments and partial-payment records
If several invoices relate to one government order, list each invoice number, face value, payment received and unpaid balance. Include the delivery or completion record for the corresponding work.
Read the full Invoice Discounting Solutions requirementsContact Fund The People in Sandton
Speak to our Sandton team
Commerce Square, Building 2, 39 Rivonia Road, Sandton, Gauteng, 2196
Phone: 010 634 1999
Office hours: Monday to Friday, 08:00–17:00.
Contact us to arrange a conversation before travelling. You can start your enquiry online and share the records needed to understand the transaction.
Contact details and directionsHave the order, invoice and proof of delivery available for the conversation. If you need help before delivery, use the Johannesburg purchase-order funding guide instead.
You can learn about founder Praneshan Naidoo and follow Fund The People’s original interview links while researching the business.
Make the first conversation useful for your business
Begin with a short description of the work: which government buyer placed the order, what your business delivered and which invoice remains unpaid. Then tell the Sandton team what the payment gap is preventing you from doing. This keeps the discussion focused on your transaction and the next step you need.
Have the original order, current invoice and delivery or completion record available. If the company name or reference differs across those records, explain the reason and attach the correction. If a different government office handles payment, identify it where you have the details.
Share the dates you know: delivery, invoice submission and the contractual due date. Keep any expected payment date separate and explain whether it comes from written buyer correspondence. These dates help establish the present position without treating an expectation as a confirmed payment.
If the team needs another record, keep it with the same enquiry so the context stays together. A clear starting pack is useful whether you begin online, speak by phone or arrange a visit. The core invoice and buyer criteria remain the same.
Read the payment proposal against your actual cash-flow need
When proposed terms are available, compare the initial cash received with the payment your business needs to make. Identify any retained balance and the conditions for its release. Keep the funding cost separate from the original invoice value so the two figures do not blur together.
Ask for the full cost under the expected payment timetable and what would change if the buyer paid later. Check who communicates with the buyer and which account receives payment. If another agreement already affects the receivable, explain that position before deciding how to proceed.
Our Invoice Discounting Solutions give you a route to discuss a qualifying government invoice through Fund The People. The useful outcome of the conversation is clarity about the records, the proposed arrangement and the next action for your business. You can review the wider service guide for more detail on advance amounts and charges.
Understand the advance and cost with our national invoice guideQuestions about your next step
Where can I speak to Fund The People about invoice discounting in Johannesburg?
Contact the Sandton head office at Commerce Square, Building 2, 39 Rivonia Road, Sandton, 2196, or start online. Call 010 634 1999 to arrange a conversation before travelling.
Must the government buyer also be in Johannesburg?
Explain where your business, buyer and delivery site are based. Fund The People considers suitable opportunities nationally. Buyer identity, completed delivery and the invoice’s payment position matter more than sharing a city.
Can I enquire about a Johannesburg municipal invoice?
A qualifying municipal invoice may fit the government-invoice pathway when it relates to completed work under a valid order. Submit the supporting documents and current unpaid balance; suitability is assessed individually.
Does the amount on my invoice equal the amount I can receive?
No. First establish the unpaid balance after payments and adjustments. The funding provider then assesses eligibility and any advance, retained balance and charges. A reconciliation is not an offer.
Can Fund The People fund an invoice before the work is complete?
The standard invoice pathway requires completed delivery supported by a delivery note or completion certificate. If suppliers still need payment before fulfilment, ask about Purchase Order Funding Solutions.
Do I have to visit an office to start?
You can begin online and share your supporting documents. Contact the team if you want to arrange a visit or clarify what to prepare.
Can I start online instead of visiting Sandton?
Yes. Use the approved four-step enquiry to share your starting details and supporting records. If you would like a conversation first, contact the Sandton team and explain the invoice, completed work and current amount owed.
What if several invoices relate to the same government order?
List each invoice separately with its date, value, payments received and unpaid balance. Match the delivery evidence to the relevant work. This gives the team a clearer view than a combined total without the underlying records.
Should I send an invoice that the buyer has queried?
Explain the query and include the latest correspondence. A disputed quantity, missing delivery record or incorrect reference can change the payment position. The team needs the actual current circumstances to understand the enquiry.
What should I ask about contact with my government buyer?
Ask who will verify the invoice, who handles follow-up and which payment instructions would apply under the proposed agreement. Keep the buyer’s receiving and accounts contacts available where they are different people.
Bring us a clear picture of what your business is owed
Tell our team about the government buyer, completed work and outstanding balance. We will help you present the opportunity and explore the appropriate next step through funding providers.
Discuss my government invoice Explore our national guideA focused application that captures the information the team needs to understand your enquiry clearly.