Road Accident Fund Advance South Africa

Short-Term Capital Structured Against Verified RAF Settlement Proceeds

Eido Capital provides structured Road Accident Fund settlement advances to claimants across South Africa. If your RAF claim is confirmed and verifiable, you may arrange a short-term advance, subject to attorney confirmation, documentation, and internal assessment.

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What is a Road Accident Fund Settlement Advance?

A Road Accident Fund settlement advance is a short-term capital solution structured against the anticipated proceeds of a Road Accident Fund claim. It is designed for claimants who require access to funds ahead of settlement – RAF proceedings can take in excess of 180 days to conclude.

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Your RAF Claim Advance is Assessed on the Underlying Claim

  • Strength
  • Status
  • Recoverability

Not merely on the applicant’s personal credit profile.

How a Road Accident Fund Advance Works with Eido Capital

A claimant has a confirmed RAF settlement offer of R500,000. The payment is expected within 90 days. Eido Capital advances up to 80% of the confirmed amount – R400,000 – within 48 hours of attorney verification and approval. Upon receipt of the RAF settlement, the advance and agreed costs are repaid in a single payment. No monthly instalments apply during the waiting period.

When an RAF Settlement Advance May Be Appropriate

  • Medical, rehabilitation, or recovery-related costs that cannot wait
  • Living expenses during a period of financial pressure following an accident
  • Settlement-related delays after claim confirmation
  • Short-term obligations while awaiting RAF payment
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Road Accident Fund Advance Process

We Assess Your RAF Claim – Not Your Credit History

Adverse credit listings, or unemployment resulting from your injury, will not disqualify you. Approval is based on the strength and status of your RAF claim, not your financial background.

Attorney-Verified Process. No Hidden Costs.

Every RAF settlement advance is processed in conjunction with your appointed attorney. All fees and repayment terms are disclosed in full before any agreement is signed. There are no hidden deductions and no upfront application fees.

Funds in Your Account Within 24-48 Hours of Approval

Once your attorney has verified your RAF claim and all documentation is in order, Eido Capital releases your advance directly to your bank account within 24 to 48 hours.

How to Apply for a Road Accident Fund Advance: 6 Steps

Step 1: Apply Online

Submit your application online. Our team will contact you within 24 hours.

Step 2: Provide Documentation

Gather and submit the required documents (listed below) for your application to be assessed.

Step 3: Attorney Verification and Assessment

Eido Capital works directly with your attorney to verify your RAF claim. All applications are subject to attorney confirmation before approval is granted.

Step 4: Approval Confirmed

Once verified, you will receive a formal offer with the advance amount, fees, and repayment terms – all clearly set out.

Step 5: Agreement Signed

Your signed agreement is the final step before capital release. Your attorney is party to this process.

Step 6: RAF Settlement Advance Released to Your Account

Capital is released directly to your bank account within 24 to 48 hours of all documentation being signed and completed.

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Documents Required for a Road Accident Fund Advance

  • Identity document
  • Attorney details and confirmation of mandate
  • RAF claim reference or claim documentation
  • Settlement order, offer, quantum confirmation, or supporting claim status documentation
  • Banking details and any additional documents required for verification

RAF Settlement Advance vs. Waiting for Settlement

Factor Eido Capital RAF Advance Waiting for RAF Settlement
Time to access funds 24 to 48 hours after approval Months to years
Credit history Does not affect approval Not applicable
Monthly repayments None - repaid from settlement Not applicable
Attorney involvement Yes - verified and secured Yes

Discuss Your RAF Claim in Confidence​

If you are awaiting Road Accident Fund settlement proceeds and require structured capital in advance, our team can assess your claim confidentially in conjunction with your appointed attorney.

Frequently Asked Questions

How much can I receive against my RAF claim?
Eido Capital may advance up to 80% of the anticipated claim value. The precise facility amount is determined by the status, assessed value, and settlement certainty of the claim – as established through supporting documentation and direct engagement with your attorney.
Once all documentation, including attorney verification, is received, your advance is typically released within 24 to 48 hours.
Disputed, uncertain, or early-stage claims may not qualify. Eido Capital requires a claim to be sufficiently advanced and verifiable before an advance can be structured.
Yes. All RAF settlement advances require attorney verification. If you do not yet have an attorney, we recommend appointing one before applying.
Yes. Unemployment resulting from your injury is not a disqualifying factor. Assessment is based on your RAF claim, not your income or employment status.

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