This is a generic term referring to the process of funding a business using the accounts receivable ledger, in other words the debtors’ book, as collateral. The aim is to improve the cash flow of a business by releasing value tied up in slow paying invoices.

AAF makes use of Invoice Discounting and Debtor Book Finance in order to make these funds available. These products are used on an on-going bases and not just as a once-off solution.


This product allows clients to sell single or multiple invoices to AAF when cash flow is under pressure or when cash is required to actualise a business opportunity.

This facility is secured by the debtor’s book.

Clients have access to the facility on an on-going basis and the facility size is determined by the size of the debtors’ book, which in turn is generated by the sales of the client.


Find out if you qualify to apply for finance.