USA Invoice Factoring
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Get an Honest Boost for Your Business.

Unlock Up to R10M or $5M in Capital with Fair Terms.

  • Transparent terms, fair pricing, and helping real businesses. Zero compounding interest - always. Serving South Africa and The United States of America.
WE LOVE TO HELP

Let's Break The Ice.


We help truckers get trucks.


We help factories get finance.


We help engineers get equipment.


We help doctors get devices.


We help farmers get flock.


We help business owners get capital.


How Simple is Funder Bear?

01

Easy Application

02

Easy Matching

03

Easy Funding

Zero Interest on Interest

Traditional Loan

You borrow $100,000.

You pay interest on your loan — and then interest on that interest.

Over time, you end up repaying $150,000+


Flat Finance

You borrow $100,000.

Interest is charged only on the principle amount.

You repay $125,000 total - No interest on interest.

Our Mission

We empower business owners by providing the capital needed to acquire essential assets, fostering growth and economic impact.

Empowering Entrepreneurs

Our core mission is to equip business owners with the capital necessary to acquire the assets they need to thrive. We believe they are the ultimate shepherds of capital, turning investments into products, services, and jobs.

Driving Economic Growth

We focus on helping businesses leverage debt to purchase assets that fuel significant growth. By funding those who best utilise money, we contribute to moving the world forward through innovation and development.

Rigorous Partner Selection

Our commitment to quality means we are highly selective in choosing our funding partners. They must be bank-backed, highly-reviewed, operating for over 10 years, boast thousands of happy customers, and offer transparent terms with excellent support.

Educational Brokerage

Funder Bear acts as an educational brokerage, guiding business owners through their financing options and connecting them with the best offers available. We simplify the complex world of business finance.

Our Private Funding Partners







We Serve America & Africa.

US Invoice Factoring: $50K - $5M

SA Business Loans: R100K - R10M

Who Qualifies? Discover Your Path to Funding.

For US Businesses (Invoice Factoring)

If your business is based in the US, you could qualify for invoice factoring if you meet the following:

  • Minimum turnover of $50,000 per month
  • Serving B2B companies exclusively
  • Minimum average invoice size of $2,000

Qualify for $50,000 - $5 Million per month in invoice factoring, with an advance up to 90%.

For SA Businesses (Business Loans)

If your business operates in South Africa, you may qualify for a business loan if you meet these criteria:

  • Minimum turnover of R85,000 per month
  • Business has been active for 12+ months
  • Registered SA entity and SA Citizen

Qualify for generally 1x monthly turnover (up to R10 Million) with flexible 6-12 month repayment terms.

Built for Business Growth.

Logistics

Need a New truck, Petrol or Fleet Expansion.

Contractors

Whether it's Machinery, Tools, or Technology.

Healthcare

From Diagnostic Equipment to Treatment Devices.

Agriculture

Livestock, Equipment, Land Improvements.

Manufacturing

Machinery, Raw inputs and Labor

Professional Services

Staffing, IT and Consulting

Wholesale Distribution

Stock, Warehousing and Transport Costs

Real Estate Development

Purchasing Land, Materials or Finishing Projects

Why People are Choosing Funder Bear.

Complete Transparency

Every term, every fee, every condition is clear.

No Aggressive Sales Tactics

Take your time. Ask questions. Make the decision.

Honest Terms

Our funding is structured to help businesses grow.

Human Support

Work with real people who understand your goals.

Flexible & Fast Finance.

Equipment Financing

Purchase the machinery, vehicles, or technology your business needs to operate and grow.

Growth Capital

Expand locations, hire staff, or invest in inventory with working capital designed for growth.

Working Capital

Maintain healthy cash flow during seasonal fluctuations or whilst waiting for client payments.


"Whatever stage your business is at, we can help you access the capital you need."

-Funder Bear

We Are The Polar Opposite.

No Hidden Fees

Your quoted rate is your actual rate.

Quick Decisions

We respect that timing matters.

Predictable Payments

Payments stay consistent and manageable.

Flexible Options

We build flexibility into our agreements..

Apply For Honest Finance.

Funder Bear — honest funding for businesses that deserve better.

FAQ: Your Questions Answered

Find quick answers to the most common questions about Funder Bear's financing options.

General Questions

Can I qualify as a startup?

No, unfortunately we do not serve startup businesses (yet.) In the meantime, we provide educational videos and resources on Instagram, YouTube and LinkedIn to help business owners grow and manage their compliance. We give talks to SMB's and Startups at our inperson events. In order to apply you must have a registered business with a minimum of 12 months trading.

How long does approval take?

Most applications receive a decision within 3-5 business days. Once approved, funds can typically be transferred within days, allowing you to act fast on your business opportunities.

What do I need to apply?

You'll need basic business information, recent financial statements, and details about how you plan to use the funds. We keep paperwork minimal. Generally, your business should be trading 12 months+ and have a valid business bank account.

Can I pay off early?

Yes, absolutely. We believe in honest finance that supports your growth, so there are no penalties for early repayment. If your business thrives and you wish to settle your funding sooner, we encourage it.

Region-Specific Offers

For US Businesses (Invoice Factoring)

What offers do you have? We specialise in Invoice Factoring, turning your outstanding invoices into immediate cash flow. This is ideal for businesses needing quick access to working capital tied up in receivables.

How much can I qualify for? You could qualify for $50,000 - $5 Million per month in invoice factoring, with an advance up to 90% of your invoice value.

What are the qualification criteria?

  • Minimum turnover of $50,000 per month
  • Serving B2B companies exclusively
  • Minimum average invoice size of $2,000

For SA Businesses (Business Loans)

What offers do you have? We provide Business Loans for a variety of needs, including asset-backed financing, purchase order (PO) funding, equipment financing, and short-term unsecured loans to fuel your growth.

How much can I qualify for? You can generally qualify for up to 1x your monthly turnover (up to R10 Million) with flexible 6-12 month repayment terms.

What are the qualification criteria?

  • Minimum turnover of R85,000 per month
  • Business has been active for 12+ months
  • Registered SA entity and SA Citizen

Need Help? Contact: apply@funderbear.com