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Invoice Discounting for SMEs – How to Keep Cash Flowing in 2026
The January Cash Flow Chasm: How to Keep Your SME Moving in 2026 It’s January 2026. The festive lights are down, the offices are reopening, and the New Year’s resolutions are in full swing. But for many South African B2B businesses, January brings a cold reality: The...
Loan Against Property vs. Personal Loan – What’s Better?
Choosing the right way to borrow money is a decision that can impact your financial health for years. In the South African market of 2025, consumers and business owners are often faced with a fork in the road: Do I take the fast, convenient route of a personal loan,...
Equity Release: Turn Bond-Free Property into Cash in 2026
As we move into 2026, many South African homeowners and property investors are finding themselves "asset rich but cash poor." You might own a property that has significantly increased in value over the last decade, but that wealth is locked within the brick and mortar...
Top Mistakes Companies Make During Mergers and Acquisitions (and How to Avoid Them)
The Hidden Reality Behind M&A Deals Mergers and acquisitions (M&A) are often celebrated as powerful growth moves — but behind every headline-grabbing success story, there’s another deal that quietly failed. Research shows that between 60% and 70% of M&A...
How to Consolidate Debt Using Your Property
Managing multiple debt repayments every month can feel like a losing battle. Between high-interest credit cards, personal loans, vehicle finance, and retail store accounts, your disposable income is often swallowed by interest and administrative fees before you’ve...
Post-Merger Integration: Ensuring Smooth Business Transitions
Why Integration Is Where Most Mergers Succeed — or Fail Completing a merger or acquisition is a major milestone — but it’s only the halfway point. Studies consistently show that over 60% of mergers fail to deliver expected value — not because of poor strategy or...
Legal and Regulatory Considerations for Mergers and Acquisitions in South Africa
Why Legal Compliance Is the Backbone of Every M&A Deal No matter how strong a merger’s strategic or financial case may be, one misstep in legal or regulatory compliance can derail the entire transaction. South Africa’s M&A environment is governed by several...
Seller’s Proceeds Loans: How to Get Paid Before Registration
You’ve done it. You’ve sold your property. The Offer to Purchase is signed, the buyer’s bond is approved, and the champagne has been popped. On paper, you are hundreds of thousands, perhaps millions, of Rands richer. But then, reality sets in. You look at your bank...
How Capital Raising Fuels Successful Mergers and Acquisitions
The Role of Capital in Mergers & Acquisitions Mergers and acquisitions (M&A) often make strategic sense — expanding markets, unlocking synergies, or gaining access to new technology — but none of it happens without one key ingredient: capital. Funding is the...
Top 5 Financial Mistakes People Make While Waiting for Their Pension Payout
The Waiting Game: When Delays Create Financial Blind Spots You’ve signed your retirement paperwork, handed in your notice, and you’re excited to start your next chapter. But then… nothing. Your pension payout is delayed — maybe for weeks, maybe months. During that...
The Merger & Acquisition Process Explained: From Strategy to Integration
Why Understanding the M&A Process Matters Mergers and acquisitions (M&A) are among the most complex yet rewarding business strategies available. They can unlock growth, expand markets, and generate long-term competitive advantage — but only when executed with...
The Hidden Costs of Waiting for Your Pension Payout — and How to Avoid Them
When “Waiting for Your Pension” Costs More Than You Realise You’ve done the hard work. You’ve retired, filed your documents, and are eagerly awaiting your pension payout. But weeks — or even months — go by with nothing in your account. At first, it feels like a minor...