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“I can’t afford to wait until next year to receive what’s owed to me by the RAF.”
We understand that. We have a product to solve that.

The Road Accident Fund (RAF) provides much-needed cover to all road users against injuries sustained or death arising from accidents involving motor vehicles within the borders of South Africa. Fact is when it comes to dealing with the RAF, there are no shortcuts – attorneys and their clients can wait months, even years, to receive funds owed. At Taurus Capital, we know the serious repercussions this protracted cash flow cycle can have on individuals and their families, which is why we provide a solution: short-term bridging finance against RAF court orders and settlement agreements awaiting payment.

Contingent Fees Locked Up In Matters Settled But Awaiting Payment?

That’s where we come in.

At Taurus Capital, we recognise that, in your line of work, traditional funding is challenging as lenders typically have a low tolerance for risk and don’t fully appreciate the unique nature of law firm financing. The thing is… we do. We not only appreciate the problem you face, but we also have a solution to it – we call it: Attorney Advance.

Our Attorney Advance product provides firms with liquidity against attorneys’ outstanding fees tied up in RAF receivables; unlocking cashflow so that personal injury attorneys can not only maintain their business but grow it.

  • Access short-term bridging finance against your assets.
  • Fund medico-legal disbursements, enabling cases to move forward quickly.
  • Increase the number of cases worked in parallel.
  • Quickly release working capital to provide better cash flow flexibility.
  • Leverage your outstanding contingent fees while matching the cash flow of the practice.

From freeing up working capital to accelerating marketing efforts to making cash flow available to action medico-legal disbursement investments, our short-term bridging solutions are truly solutions because the Taurus Capital team are experts in your niche – and all the nuances that come with it. Case in point, not only is the Attorney Advance process quick, but it fits seamlessly into the RAFPay process for claimant bridging, too.


Taurus Attorney Advance offers an upfront cash payment against the outstanding fees tied up in your firm’s finalised Road Accident Fund court order or settlement agreements

In addition to offering the highest payouts in the industry and matching the cash flow cycle of your firm, we assign a dedicated consultant to you to answer your questions and navigate every step of the process with complete peace of mind.

The available advance is based on the value of fees you have outstanding and, based on the amount advanced, there is a transparent monthly charge. No hidden fees. No expensive compound interest.

The charge depends on how much money you choose to take upfront and how long the Road Accident Fund takes to pay your attorney

You are not required to make payments every month, only once the RAF has paid against the matters.

Need The Payout To Keep Your Home Or Keep Your Kids In School?

We’re on your side.

On average, Road Accident Fund (RAF) claims can take four years or longer from the date of the accident until finalisation and once your case is finalised, in court or by settlement, the RAF can still take another 6 to 12 months, or even longer, to pay out on the funds promised. At Taurus Capital, we understand how difficult it can be to recover after a motor vehicle accident – physically, emotionally and financially.

Many of these claimants are forced to wait many months for the RAF to fulfil approved settlements and court orders, which can exacerbate an already terrible financial situation.

More than a vehicle that offers claimants an upfront payment against their Road Accident Fund court order, RAFpay is a proactively innovative and constructively insightful bridging finance solution that has helped thousands of South Africans – with an attorney and finalised case – to gain access to an upfront cash advance on their claim.

Created to “end the delay” by providing claimants with up to 40% of the money they are entitled to within 24 hours, RAFpay provides much-needed financial relief while restoring dignity to accident victims (claimants) and their families.

The stress of lost income and medical bills places huge pressure on an accident victim and their family, which is why we leveraged our vast experience in the personal injury sector and the affiliated RAF processes to introduce RAFpay to the South African market in 2019.


Taurus RAFPay offers an upfront cash payment based on the size of the award (after your lawyer’s fees and disbursements) against your finalised Road Accident Fund court order or settlement agreement. In addition to offering the highest payouts in the industry with no hidden fees or expensive compound interest and transparent monthly charges, RAFPay clients are assigned a dedicated consultant to help answer any questions because equipping you to make the right decision for you and your family is our top priority.


When Do I Start Paying Taurus Capital Back?

You are not required to make payments every month. Only once the Road Accident Fund pays your lawyers will the RAFPay charge then be deducted.


How Much Are The Monthly Charges?

The monthly charge depends on how much money you choose to take upfront and how long the Road Accident Fund takes to pay your attorney.

Need The Payout To Keep Your Home Or Keep Your Kids In School?

The Road Accident Fund (RAF) provides compensation for those injured in motor vehicle accidents but because the period between receiving an award and the cash being paid can be six months or longer – due to administrative and financial delays – accident victims (claimants) can find themselves under extreme financial pressure.

It’s one thing to know that the money is coming but how do claimants deal with living expenses, medical bills and financial commitments in the meantime? Sure, a lump sum can help tremendously in the short term but what happens once the long-awaited lump sum has come and gone? It’s a question we at Taurus Capital asked ourselves… and then came up with not just the answer – but a solution.

Introducing The Living
Wage Benefit By Taurus Capital

Faced with the reality that lump sum payments can result in excessive spending and a failure to save for the long term, we developed an innovative product that moves away from “a quick fix” to “enhancing lives” through sustainable financing, thus driving sustainable financial security.

The Living Wage Benefit is a first-of-its-kind, socially relevant Road Accident Fund bridging solution primarily designed to provide RAF claimants with a steady income stream, giving them peace of mind over fixed monthly expenses while awaiting payment on their outstanding RAF claims.


  • Steady monthly income or “living wage” adjusted to your financial needs
  • Guaranteed payments on the 25th of every month.
  • Only one agreement needs to be signed. No readvance agreements or contracts needed.
  • Peace of mind knowing fixed monthly expenses will be covered for the full duration of the 6-month waiting period.
  • Close customer support – WhatsApp channel, SMSs, and monthly courtesy calls from consultants.

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