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Marketplace participation is subject to verification, eligibility, and risk. Returns are not guaranteed.
South African invoice finance marketplace
Turn approved invoices into earlier cash flow.
AfriRuil connects verified businesses with professional investors through controlled invoice auctions, transparent pricing, and traceable settlement.
Eligibility, verification, auction outcome, debtor payment, and settlement timing affect each transaction.
AFR-JH-0248
Illustrative live auction
Time remaining
Leading yield14.80%
Invoice face valueZAR 850,000.00
Debtor risk categoryInvestment grade
Days to maturity84 days
Estimated settlementZAR 832,540.00
Estimated issuer net payout
ZAR 824,214.60
Illustrative values. Final economics are server confirmed before commitment.
Verified participantsIdentity and company controls
Evidence-led reviewInvoice and supporting records
Firm bid controlsExplicit confirmation
Traceable settlementReconciliation and audit trail
Controlled transaction flow
One marketplace, two clear roles.
FOR ISSUERSSee the cost before committing.
Submit approved invoices, respond to evidence requests, review auction economics, and track settlement from one operational workspace.
FOR INVESTORSCompare evidence, maturity, and yield.
Review verified opportunities, place firm yield bids, and monitor funded positions through maturity and repayment.
How the exchange works
From verification to a traceable settlement.
Access, evidence, pricing, funding, and settlement move through explicit states. Financial actions are confirmed by the server and recorded for audit.
01Verify
Confirm the participant, organisation, authority, and banking context.
02Review
Assess the invoice, supporting evidence, debtor, and risk information.
03Auction
Eligible investors compare the opportunity and submit firm yield bids.
04Fund
The winning transaction receives controlled funding instructions and references.
05Settle
Reconcile funds, approve settlement, and maintain the resulting position.
Review the complete process →
Transaction control framework
Trust should come from visible controls.
Verification, evidence review, confirmation, reconciliation, permission checks, and audit records appear at the point where they affect a decision.
Identity and company verificationREQUIRED
Invoice and evidence reviewREQUIRED
Firm bid confirmationREQUIRED
Settlement reconciliationTRACEABLE
Review risk and security →
Illustrative payout breakdown
ZAR 824,214.60Estimated net payout to issuerInvoice face valueZAR 850,000.00
Estimated settlementZAR 832,540.00
Illustrative platform fee− ZAR 8,325.40
Illustrative values only. The fee schedule and transaction quote are confirmed before acceptance.
Understand fees and calculations →
FundamentalsHow invoice finance works
Understand the parties, pricing stages, settlement, and repayment flow.
Editorial review in progressInvestor educationAnnualised yield and actual return
See how maturity length changes the absolute return over a position.
Editorial review in progressRisk educationDebtor payment risk
Review delay, default, evidence, concentration, and recovery considerations.
Editorial review in progress Common questions
Understand the commitment before signing up.
Does submitting an invoice guarantee funding?+
No. Eligibility, review, investor demand, funding, and settlement requirements affect whether a transaction completes.
Are investor returns guaranteed?+
No. Annualised yield is not a guarantee, and payment, operational, liquidity, and recovery risks remain.
How are fees shown?+
Face value, auction discount, settlement amount, platform fee, tax, and estimated net payout are presented separately.
Prelaunch access
Be invited when AfriRuil launches.
Join the waiting list while we complete banking integration and platform testing. We will send you a private registration link when access opens.