Property Bridging Finance
You've signed the OTP. The sale is confirmed. Yet the Deeds Office process can take 6–12 weeks, leaving you unable to access your own equity. We change that — deploying capital against your confirmed proceeds in 24 to 48 hours.
Whether you need to clear your rates account, pay transfer duties on your next property, settle an urgent obligation, or simply manage your personal cash flow during the transfer period — AMFinance provides the bridge.
Apply for a Property AdvanceRates Clearance Advances
Cover outstanding municipal rates, levies, and utility accounts to obtain the Rates Clearance Certificate required for transfer.
Transfer Duty Finance
Finance the transfer duties on your next property purchase before your existing sale proceeds are received.
Personal Cash Flow Bridge
Access up to 80% LTV of your net equity for personal obligations — school fees, medical expenses, moving costs, and more.
Bond Cancellation Costs
Cover bond cancellation fees and attorneys' costs before your registered cancellation releases your title deed.
Agent Commission Advances
You've closed the deal. The commission is confirmed and stipulated in the OTP. But the registration date is weeks away. Why should your income be held hostage by a bureaucratic timeline?
AMFinance advances estate agents and principal agencies up to 80% of their confirmed commission, the moment the sale is unconditional — giving you the cash flow to invest in your next listing.
Advance My CommissionCommission Advance — How It Works
- ✓ Sale must have a signed, unconditional OTP
- ✓ Commission must be stipulated in the sale agreement
- ✓ Conveying attorney confirms and cosigns the mandate
- ✓ Advance up to 80% of confirmed gross commission
- ✓ Flat, transparent fee structure — no hidden charges
- ✓ Repaid directly from commission at registration
- ✓ Digital FICA — no branch visit required
Working Capital Solutions
Your confirmed invoices and purchase orders represent real money owed to you. We accelerate that cash flow, giving your business the liquidity to operate and grow without waiting for 60 to 90-day payment cycles.
Invoice Discounting
Turn your debtors book into immediate working capital
If your business has issued invoices to creditworthy corporate or government clients, AMFinance will advance you up to 80% of the invoice value immediately upon submission of a valid tax invoice — with the balance (less our fee) remitted when your client pays.
- ✓ Advance up to 80% of invoice face value
- ✓ Valid VAT invoice required
- ✓ Suitable for B2B and B2G (government) invoices
- ✓ Confidential — your client is not notified
- ✓ No long-term facility commitment required
Purchase Order Finance
Fund your production and fulfilment before client payment
You've won the contract, but your supplier requires upfront payment before you can fulfil the purchase order. AMFinance steps in to fund your supplier directly, allowing you to fulfil the order and invoice your client — converting the purchase order into revenue.
- ✓ Confirmed purchase order from creditworthy buyer
- ✓ Funds disbursed directly to your supplier
- ✓ Suitable for import/export and domestic supply chains
- ✓ Repaid from client proceeds at fulfilment
- ✓ Scalable from R 50,000 to R 5,000,000
How Much Can You Unlock?
Get an instant indicative advance amount based on your confirmed property sale. Our maximum advance is calculated at 80% Loan-to-Value (LTV) of your net equity.
- ✓ Unconditional OTP required
- ✓ Conveyancer mandate required
- ✓ Funds deployed within 24–48 hours
- ✓ No early repayment penalties
Estimate Your Advance
This is a non-binding indicative estimate for illustration purposes only. Final advance amounts are subject to full credit assessment, legal review, and approval by AMFinance. Subject to the National Credit Act 34 of 2005.