Invoice Factoring
Get cash from unpaid invoices faster
Turn receivables into working capital without waiting on customer payments.
Navela helps SMEs release cash tied up in invoices so they can cover payroll, pay suppliers, and keep growth moving.
Advancing African commerce
What invoice factoring does for your business
A practical way to unlock cash while you wait for customers to pay.
Instead of holding back operations until invoices are settled, you can free up funds sooner and put them to work on payroll, stock, supplier payments, and growth opportunities.
Cash flow
Faster access to cash
Convert approved receivables into usable liquidity without slowing the business down.
Growth
Room to take on more
Handle larger orders, respond faster to demand, and support business expansion with confidence.
Review
Clear assessment
A straightforward review of your invoices, customers, and payment history.
Support
Flexible financing
Use the funding where it matters most, when your business needs it most.
How It Works
Simple, clear, and professionally managed.
We keep the process straightforward so you know what to expect at every stage.
Step 1
Submit your request
Share your invoices and basic business details with our team.
Step 2
We review the file
We assess the invoices, customer profile, and overall fit.
Step 3
Receive terms
If suitable, we present a clear proposal and agreed funding terms.
Step 4
Access funding
Once agreed, funds are released so your business can keep moving.
Eligibility
We focus on established SMEs with genuine commercial activity.
Suitable applicants typically have:
Registered and active business operations
Valid invoices from creditworthy customers
Clear supporting documentation
Reliable trading history and repayment capacity
A funding need tied to working capital or receivables
Why choose Navela
A premium funding partner for ambitious businesses
A refined, professional approach to invoice finance — built around clarity, responsiveness, and long-term business confidence.
Efficiency
Fast decisions
A streamlined process designed to keep your business moving with confidence.
Service
Business-friendly support
Clear communication and a tailored experience from a team that understands business needs.
Flexibility
Flexible funding
Solutions aligned to your cash flow, growth plans, and operational priorities.
Growth
Built for growth
A dependable finance partner that supports sustainable expansion and stronger momentum.
Ready to apply for financing?
Take the next step and get started with Navela today.
Apply for Financing