You’ve been in a road accident. Or you’re an attorney fighting for clients who have. The claim has been settled. A court order has been issued or a settlement with RAF has been reached.
But the Road Accident Fund hasn’t paid yet. And waiting is hard.
Medical bills don’t stop. Living costs continue. Law firms need operational funding to keep serving clients. Life doesn’t pause while you wait for the RAF.
We bridge that gap. Claimants can access cash from their settlements now. Attorneys can unlock funding on outstanding fees. No monthly repayments. Settlement aligned to RAF payments.
We offer two RAF bridging solutions: one for attorneys, one for claimants.
The Road Accident Fund (RAF) is a South African state insurer that provides social insurance to all users of South African roads, providing compensation to people injured or killed in road accidents.
When you’re in a road accident, you can claim compensation from the RAF for:
Attorneys help you navigate the RAF claims process. Once your claim is settled, either through a court order or settlement, the RAF owes you money.
But the RAF takes a long time to pay. Sometimes months. Sometimes years.
That’s where we come in.
We understand the struggle of waiting for money that’s already been awarded to you.
For claimants: You’ve been through trauma. You’re injured. You might not be able to work. Your family depends on you. Medical costs are piling up. School fees are due. You need money now—not in six months or a year.
For attorneys: Your firm operates on contingency. You’ve won cases. Fees are outstanding. But the RAF hasn’t paid. Meanwhile, you need to fund medico-legal reports, cover operational costs, and keep your practice running.
Bridging finance is designed for exactly this situation. You’re not taking on new debt. You’re accessing money that’s already yours—it’s just stuck in the RAF’s payment timeline.
We give you a portion of that money now. When the RAF pays, the advance is settled automatically.
We offer two RAF bridging solutions—one for attorneys, one for claimants.
For RAF and personal injury law firms.
Attorney Advance unlocks operational funding on settled RAF matters awaiting RAF payment.
RAF and personal injury attorneys with settled matters (court orders or settlement agreements) where the RAF has not yet paid. You must have outstanding fees on contingency cases.
You apply with details of settled matters. We assess. You receive funding as a percentage of outstanding fees. Settlement is aligned to RAF payments per matter—no monthly repayments.
It’s extremely important to understand who qualifies for RAF bridging finance.
You qualify if:
Important: Attorney Advance is for law firms, not individual claimants.
For RAF claimants
RAFPay gives claimants cash now from their RAF settlement while they wait for the RAF to pay.
RAF claimants with a finalised court order or settlement agreement where the RAF has not yet paid. You must have an attorney representing you.
Important: You need an attorney to apply for RAFPay. If you don’t have one, we can help you find one.
Your attorney applies for you. We review your court order or agreement. You receive cash. The money goes to your attorney’s trust account. Your attorney pays you—sometimes in monthly instalments. When the RAF pays, your attorney settles RAFPay automatically.
You qualify if:
Critical requirement: You must have an attorney. RAFPay works through your attorney to protect you and ensure everything is handled correctly.
Don’t have an attorney? Contact us and we’ll help you find one who can assist with your RAF claim and RAFPay application.
For claimants: You’ve been in a collision. You’re waiting for money that you have been awarded. But the RAF takes months—even years. Bills are piling up. Your family needs support. You might not be able to work. Medical costs don’t stop.
You’re not asking for charity. You’re asking for access to money that’s already yours.
For attorneys: You’ve fought for your clients. You’ve won their cases. Your fees are outstanding. But you’re waiting for the RAF to pay. Meanwhile, new cases need funding. Reports must be commissioned. Operational costs continue.
Your practice’s success is held hostage by RAF payment delays.
We understand both situations. That’s why we built RAF bridging solutions specifically for you.
For Attorneys (Attorney Advance)
You apply with details of settled matters awaiting RAF payment.
We assess using our proprietary assessment framework for RAF firms.
You receive funding as a percentage of outstanding fees.
When RAF pays on each matter, the advance is settled per matter. No monthly repayments.
For Claimants (RAFPay)
Talk to your attorney about RAFPay.
Your attorney applies with your court order or settlement agreement.
We review and approve (usually within a few days).
When everything is approved, we will contact you directly and explain to you:
You must agree before we send any money. We want you to understand everything clearly. Your attorney can also guide you if you are unclear on the terms.
We send the RAFPAY money into a bank account of your choice, after your attorney has confirmed they are happy for us to advance the funds to you.
When the RAF pays your attorney, your attorney will:
You don’t need to pay us back yourself. Your attorney handles everything. You just receive the balance of your RAF money.
Straightforward Process
“Our firm has several large RAF matters tied up in court orders, and the delays were putting real pressure on our cash flow. Taurus Capital’s Attorney Advance allowed us to unlock a portion of our earned fees quickly, without taking on a traditional bank loan.
The process was straightforward, the team understood the RAF environment, and the funding helped us pay counsel, support our staff, and keep growing while we wait for the Fund to pay out.”
Extremely Happy
“I was initially planning to buy a second hand car, but after lengthy discussion with you I then opted for a new car, my wife and kids we extremely happy and we are able to take my child to his special school and no longer having to put him in taxis which are unreliable at times, thank you Taurus Capital, please help other accident victims”.
Improve Her Life
One of our clients was able to significantly improve her life and wellbeing of her family. We gave her an opportunity to build a house in addition she invested in a school transport, which now serves as a source of income and financial stability.
The advance has enabled her to better support her child who has special needs.
Taurus Capital is a proud member of the Bridging Finance Association of South Africa (BFASA), upholding the highest ethical standards in bridging finance.
Backed by Opus18 Capital Partners, we provide stable, principled funding solutions for South African RAF attorneys and claimants.
Taurus Capital is also a partner of the NSBC.
This is the story of Lindiwe. Lindiwe needed to heal from her accident. However, her family still needed to eat. See how RAFPay helped.
Learn when RAF Bridging Finance may help, what it costs, how repayment works. Here’s what to ask before applying through your attorney.
Waiting on a Road Accident Fund (RAF) payment advance? We help attorneys unlock cash from settled matters in days—not months. Find out how.
Bridging Finance for Attorneys. Bridging finance for attorneys provides a lifeline during extended payment delays common in court settlements
RAF advances offer early access to your pending Road Accident Fund settlement, typically up to 40% of the total amount.
In South Africa, most personal injury claims stem from traumatic road accidents causing serious injuries, disabilities, or fatalities.
Car accidents are a harsh reality for many South Africans and often result in severe injuries, permanent disabilities, or even fatalities.
Empowering Attorneys: Accelerating Contingency Fee Income with Taurus Capital. Learn more in our latest article.
Listen to our Massiv Metro interview in which we explain how to claim from the Road Accident Fund (RAF).
Algoa FM chatted to our CEO Elad Smadja about how RAFPay is helping RAF claimants with an upfront cash advance on their court orders.
Smile FM chatted to our CEO Elad Smadja about the RAF process and that driver behaviour has to change. Listen to the full interview.
RAFPay 101 – Learn about the current status of the RAF and how this impacts you as a RAF claimant. Learn more in our blog.
Embracing the future of the personal injury firm. Every time you fill your car with fuel, you are paying a levy towards the Road Accident Fund.
Good news for the injured: Road Accident Fund pay-outs now possible within hours instead of months or years.
Stop waiting. Get the support you need while you wait for RAF payment.
For attorneys: Apply for Attorney Advance or contact us to discuss your firm’s funding needs.
For claimants: Talk to your attorney about RAFPay or contact us to find an attorney.
We will use your details to respond to your enquiry and manage your request. Read our Privacy Policy.
