Unlock cash tied up in your unpaid invoices — in minutes, not weeks.
MoolaLend is a South African receivables finance platform for registered businesses. Apply online and our automated risk engine vets your invoice instantly — strong applications are pre-approved on the spot, our team confirms funding shortly after, and the balance is released once your customer settles the invoice.
Private-sector invoices only — government and state-owned entity debtors are excluded by policy.
Calculate what you could receive
Indicative only, based on a 30-day settlement term and inclusive of VAT on our fees. Your actual rating and offer are set by our automated risk assessment when you apply.
How it works
Three steps. Strong applications are pre-approved instantly, our team confirms them shortly after, and only borderline cases need a manual look.
Apply online
Tell us about your business, the invoice, and your debtor. Takes about 5 minutes.
Instant vetting
Our engine checks your CIPC registration, trading history, debtor concentration and invoice risk in real time to assign a credit rating.
Get funded
Pre-approved applications are confirmed by our team, then the advance is paid. The balance follows once your customer settles the invoice.
Who we fund
- Registered South African companies or close corporations (valid CIPC registration)
- At least 6 months of trading history
- Invoices owed by private-sector, non-government debtors
- Invoices no more than 60 days past their due date
- Payment terms of 90 days or less
Who we exclude
- National, provincial or local government departments as debtor
- Municipalities and state-owned entities as debtor
- Businesses without a valid CIPC registration number
- Invoices more than 60 days overdue
- Invoices with payment terms beyond 90 days