Premier Finance for Business

21/10/2026

15/10/2026

You've won the tender. Now who's going to fund it?

Securing a large purchase order is an exciting opportunity for any business. But finding the working capital to fulfil it can be a major challenge.

Purchase order finance is one of the more difficult types of business funding to secure. Many funders simply don't offer it because of the risks involved.

The good news? Premier Finance has access to a funder willing to consider purchase order funding, but there's an important condition.

We've published an article explaining why purchase order finance is so difficult to obtain and what steps your business can take to potentially access this funding through our network.

If your business regularly tenders for contracts or receives substantial purchase orders, this is worth reading.

👇 Read the full article:

https://premierfinance.co.za/how-to-secure-purchase-order-finance-for-your-business-in-south-africa/

24/09/2026

🇿🇦 Happy Heritage Day, South Africa!

Behind every South African business is a story.

A family that took a chance.
An entrepreneur who started with very little.
A skill passed from one generation to the next.
A business creating jobs and opportunities in its community.
A dream that grew into something much bigger.

Today we celebrate the different cultures, backgrounds and experiences that make up our country — and the business owners who are building their own legacy within it.

Whatever your heritage, whatever your story, here's to building something the next generation can be proud of.

Happy Heritage Day from Premier Finance. 🇿🇦

24/08/2026

📊 Looking for business funding over R1 million? Your management accounts matter.

One of the things that often catches business owners by surprise when applying for larger funding amounts is the financial information funders require.

If you're looking for more than R1 million in business finance, you should expect to provide up-to-date management accounts.

Why?

A funder needs to understand how your business is performing now — not only how it performed at your last financial year-end.

Your management accounts help them assess:

✔ Current turnover and profitability
✔ Expenses and operating costs
✔ Assets and liabilities
✔ Cash flow and affordability
✔ Whether the business can comfortably service the proposed funding

This is why we always recommend keeping your management accounts up to date, especially if you know you may need capital to fund growth, stock, equipment or a new opportunity.

Don't wait until you need the money to start getting your financials in order.

Being finance-ready can make the application process significantly easier when an opportunity comes along.

23/07/2026

Registering a business is the easy part. Building a fundable business takes time.

Many business owners assume that once their company is registered, they'll automatically qualify for business finance.

In reality, lenders are looking for evidence that your business is financially healthy and able to repay the funding.

They typically want to see:

✔ A proven trading history
✔ Consistent turnover
✔ Healthy cash flow
✔ The ability to repay

The good news is that these are all things you can work on over time. Understanding what lenders look for is the first step towards building a stronger, more fundable business.

08/07/2026

Profit doesn't pay the bills. Cash flow does.

One of the biggest misconceptions in business is that a profitable business is automatically a healthy business.

A company can show a profit on paper but still struggle to pay salaries, suppliers and day-to-day expenses if customers haven't paid their invoices.

That's why cash flow is so important. It keeps your business operating, allows you to take on new opportunities and gives you the flexibility to grow with confidence.

Profit measures success. Cash flow keeps the doors open.

Have you ever experienced a cash flow crunch, even though your business was profitable?

23/06/2026

💡 What credit score do you need to apply for a business loan?

For most unsecured business finance applications, funders typically prefer to see a credit score of at least 620.

A stronger score doesn't guarantee approval, but it can improve your chances of:

✔ Accessing larger funding amounts
✔ Receiving more competitive offers
✔ Faster application processing

Your credit score is often one of the first things a funder will review, so it's worth checking your credit profile before applying.

I wrote a short article explaining what credit score funders look for and why it matters.

Link in the comments 👇

16/06/2026

Today we celebrate the courage, potential and dreams of South Africa’s youth. 🇿🇦

To the leaders, innovators and builders of tomorrow — dream big, stay focused and believe in what’s possible. The choices you make today can shape an incredible future.

Happy Youth Day from all of us at Premier Finance 💙

09/06/2026

One comment we often hear from business owners is:

“If I had cash in the bank, I wouldn’t need funding.”

It’s a fair perspective.

But one interesting trend we’ve observed among many highly successful CEOs and established business owners is how they think about cash flow.

Many focus on protecting their own capital and using finance strategically to support growth and business stability.

At first glance, it may seem counterintuitive.

Why would a business pay interest if there is already money in the bank?

But when you look at the bigger picture, it starts to make sense:

✔️ Protecting working capital
✔️ Preserving cash reserves
✔️ Maintaining stability during uncertain periods
✔️ Creating flexibility for new opportunities
✔️ Avoiding pressure when business slows down

It also explains why many successful businesses apply for funding while cash flow still looks healthy, rather than waiting until pressure starts.

Business finance should not always be viewed as a last resort. Used correctly, it can be a tool to protect cash flow rather than create pressure.

We recently shared an article exploring this different perspective on business finance.

Link in comments 👇

11/03/2026

One thing many business owners don’t realize is that invoice factoring approvals work very differently to traditional loans.

Instead of focusing heavily on assets or long credit histories, the approval process looks more at things like:

• The strength of your debtor book
• The quality of your customers
• Your invoicing and payment terms

For businesses that issue invoices with 30–60 day payment terms, it can be a practical way to unlock cash that’s already owed to the business.

I put together a guide explaining how the invoice factoring approval process works and what funders typically look for.

If you run a business that invoices clients, this may be useful to understand.

Article here:
https://premierfinance.co.za/understanding-the-invoice-factoring-approval-process/