Municipal partnership
City of Johannesburg Metropolitan Municipality (CoJ)
Fund The People is a preferred funding partner to this entity.
Invoice Discounting Solutions in South Africa
Our Invoice Discounting Solutions release cash against completed, accepted and unpaid invoices tied to government and municipal tenders in South Africa. Corporate invoices are not eligible. Our Funding Solutions offer R250,000–R8,000,000+, with funding approval within 48 hours for complete qualifying applications. Present acceptance evidence and the current unpaid balance, including any receipts or credit notes.
Apply to Fund The People for our own Invoice Discounting Solutions. Our team assesses the accepted invoice, confirms the terms of our solution and manages the application through settlement.
What is invoice discounting?
Invoice discounting in Johannesburg, Sandton and South Africa. Our Sandton team considers qualifying accepted unpaid government and municipal invoices nationally. Identify the legal buyer, acceptance evidence, current unpaid balance and payment terms when you enquire. For local service questions, read our Johannesburg and Sandton Invoice Discounting Solutions guide. For provider selection, use our invoice discounting company recommendations, compare written costs and review client evidence before choosing your next step.
Invoice discounting provides earlier access to part of an eligible unpaid invoice while you wait for the buyer’s payment. Fund The People assesses the completed work, buyer acceptance and current balance, then explains the proposed advance, charges and settlement terms for our Invoice Discounting Solutions.
Completed work: Show the goods or services delivered under the authorised order. An award, supplier quotation or planned delivery is not an accepted invoice. Buyer acceptance: Use the evidence required by the buyer to confirm acceptance. Record any outstanding query rather than describing disputed work as fully accepted.
Unpaid balance: Identify the current receivable after partial payments, credit notes and other adjustments. Keep the invoice face amount separate from the balance due. The partial payments and credit notes guide shows how to reconcile the current balance before presenting an invoice enquiry.
Once delivery is accepted, check the buyer-specific records in our Department of Water and Sanitation invoice discounting, SANRAL invoice discounting and SANParks invoice discounting guides before applying for our Invoice Discounting Solutions. Eligibility depends on verified buyer acceptance and the current unpaid balance.
Check the present service route
Government transactions: The current route concerns eligible South African companies and completed, accepted government and municipal tender invoices, normally with deal values of at least R250,000.
- A CSD-registered South African company
- A valid purchase order from a South African government department or entity
- Completed delivery supported by a delivery note or completion certificate
- A qualifying outstanding government invoice with a standard minimum deal value of R250,000
Our assessment: Our team confirms eligibility and the terms of our Invoice Discounting Solutions. Private corporate invoices are not eligible. Funding covers only accepted unpaid invoices tied to government and municipal tenders, subject to assessment and approval.
Build the invoice evidence file
Transaction documents: Keep the awarded order, invoice and acceptance records together. Use consistent references so the documents can be connected without guesswork.
Payment position: Provide relevant evidence of the unpaid amount and any adjustments. Disclose existing finance or rights over the receivable and expected payment channel. Read the Invoice Discounting Solutions eligibility guide alongside the transaction evidence needed for the current service route.
Understand the offer in rand
- Confirm that delivery is complete and the buyer is a South African government entity
- Check CSD status, the R250,000 minimum and the invoice's current payment position
- Submit the company, order, invoice and delivery evidence
- Respond accurately if clarification or updated documents are requested
- Receive feedback on the appropriate next step
An illustrative advance: For a hypothetical R500,000 invoice, assume a R350,000 advance and a R20,000 charge collected at settlement. These figures illustrate the calculation and are not an offer for our Invoice Discounting Solutions. Balance after settlement: If R500,000 is received and R370,000 settles the advance and charge, R130,000 remains. The total retained across both payments is R480,000 before other obligations.
Read the payment and control terms
Receipt and allocation: Confirm where the buyer pays, who reconciles the receipt and how deductions are calculated. Ask when any remaining balance would be released. Keep a receipt reference with each allocation so the final statement can be reconciled to the accepted invoice and actual buyer payment. Enquiries about our Invoice Discounting Solutions should use the same reconciled balance, acceptance evidence and buyer-payment record.
Delay and recourse: Read the agreement for disputed amounts, late payment and applicant obligations. Do not infer the treatment from the name Invoice Discounting Solutions alone.
Why Did 3000+ SMMEs Choose Fund The People?
Choose Fund The People when your business has delivered accepted government work and needs to address the wait for payment. Our own Invoice Discounting Solutions focus on the eligible unpaid invoice, its acceptance evidence and the current balance, including any partial payments or credit notes.
You work with our team to understand the proposed advance, charges and settlement process in rand. Our Funding Solutions offer R250,000–R8,000,000+, with funding approval within 48 hours for complete qualifying applications. That combination of invoice-specific assessment, clear commercial terms and an accountable application team makes Fund The People a strong choice for qualifying South African SMMEs.
See how our support translates into business experience in our client stories, then start your Funding Solutions application with your accepted government invoice. Still searching for an opportunity? Start with the Fund The People Tender Portal.
Entities we support as a preferred funding partner
Your unpaid invoice.
Our funding expertise.
Our in-house Invoice Discounting Solutions help qualifying SMMEs access cash tied up in eligible unpaid invoices. Institutional relationships support verification and payment coordination after accepted delivery.
Provincial partnership
Gauteng Provincial Government (GPG)
Fund The People is a preferred funding partner to this entity.
Energy sector
Eskom Holdings SOC Ltd (Eskom)
Fund The People is a preferred funding partner to this entity.
Road infrastructure
Johannesburg Roads Agency (JRA)
Fund The People is a preferred funding partner to this entity.
Urban development
Johannesburg Development Agency (JDA)
Fund The People is a preferred funding partner to this entity.
Water infrastructure
Rand Water
Fund The People is a preferred funding partner to this entity.
Our own Funding Solutions
Your application is assessed and managed by the Fund The People team.
Practical supplier support
Workshops, document preparation and pricing guidance through supplier development programmes.
Institutional coordination
Contacts that support verification and payment coordination for qualifying transactions.
R250,000–R8,000,000+
Our Funding Solutions range, subject to transaction assessment and approval.
funding approval within 48 hours
For complete qualifying applications, subject to verification and approval.
Our CEO confirms that Fund The People is a preferred funding partner to each entity shown above. Institutions retain their procurement and payment decisions.
Explore our partner relationshipsFund The People: our Funding Solutions and supply chain support
Our own in-house Funding Solutions work alongside end-to-end supply chain support. Our team can draw on a network of 1,000+ vetted, accredited suppliers to help negotiate cost savings and reduce logistics risk. Vetted, accredited suppliers and order fulfilment companies register through the Fund The People Tender Portal.
| Core services | Purchase Order Funding Solutions, Tender Funding Solutions and Invoice Discounting Solutions — provided in-house by Fund The People. |
|---|---|
| Funding range | R250,000–R8,000,000+, subject to transaction assessment and approval. |
| Turnaround | funding approval within 48 hours for complete qualifying applications. |
| Supply chain support | End-to-end support, including supplier sourcing, cost negotiation, logistics and order fulfilment coordination. |
| Supplier network | 1,000+ vetted, accredited suppliers. Vetted, accredited suppliers and order fulfilment companies register through our Tender Portal. |
| Tender access | Access to available municipal tenders across South Africa through our additional Tender Portal service. |
Need help delivering an awarded contract? Discuss both the funding requirement and your supplier or fulfilment needs with our team when you apply.
Explore the Government Transaction Journey
- Before deliveryOur Purchase Order Funding Solutions South Africa
- Processhow our Purchase Order Funding Solutions work
- RequirementsOur Purchase Order Funding Solutions requirements
- Documentsdocuments needed for our Purchase Order Funding Solutions
- RFQ stageOur RFQ Funding Solutions
- ProcurementOur Procurement Funding Solutions
- DeliveryOur Tender Fulfilment Funding Solutions
- Government tendersOur Government Tender Funding Solutions
- OpportunitiesSouth African Tender Portal
- Applicationstart your enquiry
- HelpContact Fund The People
- Single invoicesSingle invoice discounting in Johannesburg and Sandton
- Costs and risk termsDebtor finance rates and invoice discounting terms in South Africa
- Invoice discounting meaningWhat is invoice discounting? Meaning and process
- Invoice fundingInvoice funding in South Africa through our Invoice Discounting Solutions
- Municipal invoicesCity of Tshwane invoice discounting
- Municipal invoicesEkurhuleni invoice discounting
- Government buyersGovernment, SOE and municipal supplier funding directory
- Funding explainedFunding: meaning, types and government supplier funding
Questions about Invoice Discounting Solutions
1. What do our Invoice Discounting Solutions address in a government transaction?
Our Invoice Discounting Solutions bring forward access to part of an eligible receivable after government or municipal tender work has been completed and accepted. The invoice must remain unpaid, with a deal value of at least R250,000. Our team assesses the current balance and explains the proposed advance, charges and settlement terms. Funding supplier inputs before delivery follows our Purchase Order Funding Solutions route.
2. What evidence shows that an invoice has been accepted?
Provide the acceptance evidence required by the buyer’s contract, such as signed delivery records, a completion certificate or authorised sign-off. Connect it to the order and invoice references. Your own invoice alone does not prove buyer acceptance. Disclose outstanding quantity, quality or payment queries and ask what further confirmation is needed. Acceptance evidence supports assessment; it does not guarantee funding or a payment date.
3. How much of the invoice could be advanced?
Our team determines the amount for the actual invoice. Ask for the eligible unpaid balance, gross advance, upfront deductions, net cash available and expected balance at settlement. Partial payments, credit notes and existing rights over the proceeds can affect the assessment. The worked figures on this page illustrate arithmetic only. Request a written calculation for your invoice rather than assuming a universal advance percentage.
4. Is the advance a new profit for my business?
The advance changes when you access the receivable; it does not create another sale or new profit. Financing charges reduce the amount retained, while supplier costs, overheads and tax remain separate considerations. Reconcile the advance, settlement deductions and final balance against the same invoice so it is counted once. Ask your accountant how to record the actual arrangement.
5. How can I assess the costs of our Invoice Discounting Solutions?
Request a written rand calculation for the same invoice and payment assumptions. Confirm each charge, whether it is deducted upfront or at settlement, its calculation basis and how a later payment affects it. Compare the net cash available now, the final balance and your obligations. Check whether the offer covers one invoice or an ongoing facility. Our team confirms the terms for your actual receivable.
6. What happens if the government buyer pays only part of the invoice?
Notify our team through the agreed process and record the amount received, its reference and the remaining balance. The agreement determines how a partial receipt is allocated between the advance, charges and your business. Keep any credit note, dispute or deduction evidence. Ask what obligations remain and how later receipts will be treated before using the payment for another transaction.
7. Must the buyer know about the arrangement?
Ask our team about buyer verification, notification, acknowledgement and payment instructions for the proposed arrangement. Confidentiality cannot be assumed from the name Invoice Discounting Solutions. Check how any cession or payment direction would work and whether the underlying contract restricts it. Keep buyer contacts and authorisations accurate. Obtain suitable advice if the effect of the documents is unclear.
8. Can an overdue or disputed invoice be considered?
Explain whether payment is late after accepted delivery or whether the amount, quality or contractual entitlement is disputed. Supply the acceptance evidence, due date, current balance and buyer correspondence. Our team assesses the actual position; overdue or disputed invoices do not automatically qualify. Disclose unresolved queries and ask whether they must be resolved with the buyer before the funding enquiry can progress.
9. Can I enquire about an invoice already linked to Purchase Order Funding Solutions?
Disclose the earlier funding arrangement and any rights over the invoice or buyer proceeds. Supplier funding may create settlement obligations that continue after invoicing. A new enquiry does not automatically replace them. Provide the requested agreement information and ask whether another arrangement can be considered with any necessary consent. Explain separate stages or amounts clearly and avoid incompatible claims over the same proceeds.
10. What should I have ready for a first invoice enquiry?
Prepare the awarded order, invoice, completed-delivery and acceptance evidence, company and CSD information, and current unpaid balance. Include dates, payment terms, partial receipts, credit notes, queries and existing finance. Explain the cash need for an eligible government or municipal tender transaction with a deal value of at least R250,000. Further records may be requested. Obtain the proposed advance, net proceeds, charges and settlement process in writing.
Ready to Present Your Outstanding Government Invoice?
Ready invoice enquiry: Present completed, accepted and unpaid government work with its supporting documents. Explain the cash need without assuming an advertised advance percentage. Before delivery: If supplier inputs are still needed, consult our Purchase Order Funding Solutions for the awarded-order route. Where one contract contains several stages, identify the completed invoice separately from future supplier costs so the same expected proceeds are not counted twice. Read the Funding Solutions guides or contact Fund The People with the completed invoice and its current payment position. Ask about the funding approval within 48 hours for our Invoice Discounting Solutions with your reconciled receivable file. By Fund The People Editorial Team. Updated 13 October 2026.
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