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Insightflow

Equipment Finance

You Quoted the Deal. Your Client Can't Secure the Funding.

Insurance-backed structures that get equipment funders — and your own bank — to say yes. Domestic and African cross-border deals covered.

Sound Familiar?

You have a multi-million rand deal on the table. Your client wants the equipment, agrees to the quote, is ready to move. But they can't get funded. Not enough collateral, thin credit history, or the bank just won't back it.

The order sits in your pipeline. Stock doesn't turn. Your client goes quiet.

And you are left explaining why pipeline didn't convert.

Only 1 in 3 South African businesses can access credit (UNDP, 2024). Globally, 8 out of 10 equipment buyers need financing to close (ELFA, 2022). If you can't help your client get funded, the order goes to a competitor who can.

What Happens When You Send Us the Deal

  1. 1

    You Send Us the Quote

    Forward the deal details. We come back within 48 hours.

  2. 2

    We Insure Your Client

    We assess the buyer and place credit insurance, covering up to 90% of the outstanding balance against default.

  3. 3

    The Deal Gets Unlocked

    We connect you with a funder who will back the deal, or help structure it with your bank. The insured debtor is what makes them say yes.

  4. 4

    Equipment Ships

    Your client gets supplied. You get paid. Stock turns.

Domestic and African cross-border deals covered

Two Ways to Get the Deal Done

OPTION A

Use a Third-Party Funder

We connect you with a funder from our panel. They take out the policy and carry the receivable over the deal term, typically 3 to 5 years for equipment.

  • You get paid upfront
  • Nothing on your balance sheet
  • Funder is protected by the insurance
  • Deal introduction and structuring handled for you

Zero balance sheet exposure

OPTION B

Fund It Yourself

Extend terms to your client directly. You charge an interest rate premium that covers your bank interest and the insurance cost, so the finance generates margin for you. Your client can refinance with their bank once the insured track record is established.

  • Faster, no funder approval delays
  • You earn a margin on the finance
  • 90% covered against default
  • Policy ceded to your bank as security on your facility
  • Built-in exit: client refinances with their bank

Higher velocity · You earn on the finance

Adam Franklin

adam@insightflowgroup.com +27 82 389 1600

Got an order that's stuck? Let's talk.

Insightflow (Pty) Ltd · Authorised Financial Services Provider (FSP 46090)