Blue Chip Finance is a South African finance broker, offering tailored funding solutions to businesses. Since its inception, we’ve helped a range of businesses, from startups to established enterprises, secure financing for growth and operations.

We provide a variety of funding options, including:

• Business Loans: Short-term or long-term financing for working capital or expansion.
• Invoice Financing: Unlock cash flow by securing funds against outstanding invoices.
• Stock Financing: Finance stock purchases to increase product availability.
• Bridging Loans: Short-term funding to cover gaps between immediate needs and long-term credit access.
• Asset Financing: Get funding for the purchase of equipment, machinery, or vehicles.

Applying for funding is straightforward:

1. Visit our website: Complete the online application form with your business details.
2. Documentation: Provide relevant documents, such as financial statements, business plans, or invoices (depending on the type of funding).
3. Review: Our team will review your application and discuss the best financing options.
4. Approval: Once approved, funds will be disbursed quickly based on the terms of the agreement.

The basic requirements to apply for funding include:

• Your business must be operational (usually for at least 6 months).
• Proof of business ownership (registration documents, etc.).
• Financial statements or records showing business performance.
• A clear understanding of how the funds will be used to support your business operations.

Invoice Financing allows businesses to borrow money against unpaid invoices. Here’s how it works:

• You provide your business’s unpaid invoices to a finance provider.
• The provider advances a percentage (usually around 80%-90%) of the invoice value upfront.
• Once your customer pays the invoice, the provider receives the payment, deducts their fees, and returns the remainder to you.

This helps businesses manage cash flow by reducing the waiting time for customer payments.

The timeline for receiving funding varies based on the type of loan or funding:

• Invoice Financing: Often processed within 1-2 business days.
• Business Loans: Approval and funding typically take 5-7 business days, depending on the complexity of the loan.
• Bridging Loans: Funds can be disbursed within 48 hours in urgent cases.

Our goal is to ensure quick and efficient processing to help you meet your business needs without delays.

Yes, we offer stock financing, allowing businesses to purchase stock and increase inventory without upfront costs. This is ideal for businesses that need to purchase goods in bulk or seasonally, helping improve product availability without impacting cash flow.

Yes, Blue Chip Finance provides funding to businesses across South Africa, including major cities like:

• Johannesburg
• Cape Town
• Durban
• Pretoria
• Port Elizabeth
• Bloemfontein
• East London
• Polokwane
• Kimberley

We are committed to serving businesses from all regions of South Africa, no matter how big or small.

Yes, there are fees associated with most types of financing, such as:

• Interest Rates: These vary based on the type of financing and your business’s risk profile.
• Processing Fees: Some fees are charged to cover administrative costs.
• Early Repayment Fees: If you pay off the loan early, there might be fees to account for the lost interest.

All fees and charges will be clearly outlined before you accept any funding agreement, ensuring transparency and clarity.

Yes, Blue Chip Finance offers tailored solutions for startups. While some types of funding may require a longer track record, we offer flexible options such as invoice financing or stock financing for newer businesses. We also consider the potential for growth and your business’s financial projections when reviewing your application.