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. 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