In today’s economic climate, businesses are increasingly looking for agile ways to optimise cash flow without compromising control or balance sheet integrity. Addendum Flex offers a modern approach to receivables finance, allowing corporates to unlock working capital through a flexible, confidential and scalable model.

Even well-capitalised businesses often find significant working capital tied up in unpaid invoices — idle funds that could otherwise support growth, strategic initiatives, or improved resilience. This financial inertia limits flexibility and places undue pressure on the balance sheet.

Traditional debt instruments or inflexible funding structures frequently fall short, especially for corporates that prioritise financial discipline and operational control.

Addendum Flex presents an alternative — a dynamic, technology-enabled receivables finance solution that allows businesses to unlock liquidity through the true sale of invoices. The approach is neither factoring nor a loan, but rather a discreet, non-debt solution that preserves customer relationships and maintains financial agility.

Key Benefits

• Full Control – Businesses choose which invoices to sell and when. There’s no requirement to pledge the entire receivables ledger.

• Confidential & Non-Intrusive – Transactions are conducted discreetly, with customers typically remaining unaware.

• Balance Sheet Friendly – Immediate access to cash without the burden of added debt.

• Metric Enhancement – Improved liquidity and a reduction in Days Sales Outstanding (DSO).

• Effortless & Paperless – Fully automated and secure digital platform, complete with audit trails.

• Proven & Scalable – Rapid onboarding, seamless systems integration, and access to an established network of funders.

How It Works

• Invoice Issued – The seller provides goods or services and issues an invoice.

• Offer to Sell – Invoice data is uploaded to the Addendum platform and an offer is made to funders.

• Funding – A funder accepts the offer and provides payment, less a discount.

• Repayment – Upon maturity, the buyer settles the invoice into a collection account held in the seller’s name.

Why Businesses Choose Addendum Flex

• On-demand liquidity – Access cash flow when required, without increasing liabilities.

• Competitive edge – Extend payment terms to buyers, protect margins, and strengthen supplier relationships.

• Risk mitigation – Transactions are non-recourse (excluding fraud or performance risk), with transparent reconciliations.

• Specialist support – Comprehensive onboarding, funder introductions, and accounting guidance are part of the service.

At Addendum Flex, the goal is to make receivables finance more accessible, transparent, and tailored to modern corporate needs. The platform offers more than just liquidity — it delivers autonomy, adaptability, and a capital solution designed around the realities of your business.

For more information, visit www.addendum.co.za or contact Heinrich Pretorius at heinrich@addendum.co.za.