Citizen Entrepreneurial Development Agency (CEDA) as an Agency for the development of viable sustainable citizen-owned business enterprises provides Invoice Discounting is a financial transaction where businesses sell their debtors (i.e., invoices) at a discount.

This form of lending is used to solve customers working capital problems by releasing cash tied up in debtors. By its debtors, the business can generate cash almost immediately, instead of having to wait the usual 30, 60, or 90 days. The loans are for individuals or companies owned by citizens aged 18 and above, either wishing to start a new business or wanting to expand an existing one.