General Questions
Any property seller, estate agent, or business holding a legitimate right to future payment may qualify. Approval depends primarily on the validity of the underlying transaction, confirmation of proceeds, and the ability to control payment at source rather than on personal creditworthiness.
Once all required documentation is verified and payment control is confirmed, funds are typically released within 48–72 hours.
Required documents depend on the transaction type but generally include identification, signed sale agreement, conveyancer confirmation of proceeds, or verified invoice and delivery proof in the case of receivables.
No. SCH does not provide loans or credit. Transactions are structured as a sale of future proceeds, and approval is based on transaction validity rather than personal affordability.
SCH applies a transparent discount to the purchased proceeds together with any agreed administrative or processing charges disclosed upfront. There are no hidden fees.
SCH does not charge interest. Pricing is structured as a discount applied to the future proceeds purchased. Where applicable, a daily discount adjustment reflects settlement timing but does not constitute interest.
No. All pricing, discount rates, and any applicable charges are clearly disclosed before funds are released.
There is no repayment period because this is not a loan. SCH receives payment directly from the property transfer proceeds, commission, or debtor once the underlying transaction settles.
Payment is not collected from the client. The conveyancer or debtor pays SCH directly in terms of the ceded proceeds.
Yes. Early settlement simply reduces the applicable discount period. There are no penalties. A minimum charge of 30 days’ discount rate does however apply to all transactions that are settled earlier.
Yes. SCH adheres to strict confidentiality, data protection, and POPIA compliance standards.
SCH operates under true-sale proceeds purchase structure and does not provide credit. Where applicable, SCH complies with FICA, POPIA, and all relevant South African regulatory requirements.
Amounts depend on confirmed proceeds, risk profile, and exposure limits.
The amount is based on verified net proceeds, commission, or receivable value, less the applicable discount.
Yes, subject to agreement and verification.
Yes, subject to exposure limits and transaction validity.
Property Bridging Finance
Yes. A valid sale agreement is required for property-based transactions.
Funds may be used at your discretion, including relocation, deposits, expenses, or working capital.
Yes, provided the transaction remains valid and proceeds are confirmed.
SCH verifies transactions directly with the conveyancer and supporting documentation.
If the underlying proceeds do not arise, the transaction is treated as a reversal of the purchase of proceeds in terms of the agreement. The applicable provisions in your agreement will apply.
Typical property transfers range from 6–12 weeks, depending on conditions and conveyancing progress.
Commission Bridging Finance
Yes, provided commission entitlement is confirmed.
Agency confirmation may be required where commission rights are involved.
Yes, confirmation of commission is required.
Yes, SCH must confirm the ceded portion of commission.
If the underlying proceeds do not arise, the transaction is treated as a reversal of the purchase of proceeds in terms of the agreement. The applicable provisions in your agreement will apply.
The applicable discount continues to adjust until settlement, in line with the agreed terms.
Typically, advances are based on confirmed sale commissions, subject to review.
The conveyancer pays SCH directly from the commission proceeds.
Commission Bridging Finance
Not necessarily, but VAT status may be required for certain receivables transactions.
Invoices must be verified, valid, and payable by a credible debtor.
Yes, where applicable.
In disclosed receivables purchases, yes.
The debtor pays SCH directly in terms of the ceded receivable.
SCH monitors payment and applies the contractual provisions governing the ceded receivable.
