FundingHub

How to Repay Business Finance Through FundingHub: All Repayment Options

## Repaying business finance sourced via FundingHub Repayment mechanics belong to the loan product and lender you select on the dashboard. FundingHub does not collect instalments; your signed NCA agreement with the funder defines due dates, debit mandates and penalty clauses. ### Common collection patterns in SA SME lending | Structure | How it works | |---|---| | Monthly debit order | Fixed rand amount leaves the business account on a set calendar date | | Split funding (MCA) | A percentage of daily card sales repays a merchant cash advance until the balance clears | | Weekly or daily instalments | Short-term working-capital lines from alternative lenders often use high-frequency debits | Debit orders typically run through the banking system's authenticated mandate framework. Keep sufficient balance two days before the debit to avoid dishonour fees that the lender lists on the contract. ### Early settlement and extensions Early repayment is allowed on most panel products, though the exact rebate or break fee appears in your signed schedule — read that clause before you wire a lump sum. Term extensions depend entirely on the active lender's policy; contact them before the due date if cash flow tightens rather than allowing an unpaid debit to bounce. ### Late payments Missed instalments trigger contract penalties and adverse bureau updates at TransUnion SA or Experian SA, which hurts future limit reviews across the marketplace. Persistent arrears may move to internal collections or external agencies under National Credit Act procedure. FundingHub cannot rewrite repayment terms once the funder owns the file. ### Matching repayment style to cash flow Businesses with steady monthly revenue suit fixed debit orders. Seasonal retailers sometimes prefer merchant cash advances despite higher effective cost because repayments flex with card turnover. Invoice discounting settles when debtors pay, so timing follows your customer base rather than a rigid calendar. ### Record keeping Download statements from the lender portal and reconcile them against your accounting package. The FundingHub dashboard tracks application status but not live loan balances after disbursement — those live with the credit provider holding your agreement.

Repayment Methods

Early Repayment

Loan Extension

Penalties