Business Loans South Africa
Compare 500+ verified business lenders. Get matched in minutes — no credit impact, completely free.
500+
Verified Lenders
R50K–R50M
Loan Range
24–48h
Typical Approval
100% Free
Matching Service
Types of Business Finance Available
Choose the right funding structure for your business needs
Working Capital Loans
Short-term finance to cover operational expenses, payroll, and stock. Amounts from R50K to R5M.
Business Term Loans
Fixed monthly repayments for expansion, equipment purchase or any business investment.
Invoice Finance
Get up to 90% of invoice value upfront. Ideal for businesses waiting 30–90 days for payment.
Equipment Finance
Finance for machinery, vehicles, tech and office equipment. Asset-backed, lower rates.
Merchant Cash Advance
Repay via a % of daily card turnover. No fixed instalments — ideal for retail and hospitality.
Start-Up Loans
Funding for businesses under 12 months old. Government-backed options and specialist lenders available.
What You Need to Apply
- ✓South African registered company (Pty Ltd, CC, or sole trader)
- ✓Minimum 6 months in operation (some lenders accept 3 months)
- ✓3–6 months business bank statements
- ✓Latest annual financial statements or management accounts
- ✓Director/owner ID and proof of address
- ✓Minimum monthly turnover of R30,000 (varies by lender)
Don't meet all requirements? Some lenders specialise in startups, bad credit, or cash-flow-based lending. Submit your profile and we'll find your best match.
Top Business Lenders in South Africa
| Lender | Loan Type | Min / Max | Rate | Key Feature |
|---|---|---|---|---|
| Merchant Capital | Merchant Cash Advance | R10K – R5M | Factor rate | Card turnover repayment |
| Bridgement | Working Capital / Invoice | R20K – R5M | From 2% pm | Same-day approval |
| Business Partners | Term Loans / Equity | R500K – R50M | Prime + 3% | Mentorship included |
| Lula | Working Capital | R10K – R2M | Flat fee | Fintech — 24h turnaround |
| Nedbank Business Banking | Business Term Loans | R100K – R30M | Prime + 2% | Full banking relationship |
* Rates are indicative. Final rates depend on your business profile, credit assessment and loan term.
Calculate Your Business Loan Repayments
Use our free calculators to estimate monthly repayments before you apply.
Frequently Asked Questions
How do I qualify for a business loan in South Africa?+
Key criteria include: minimum 6 months trading, a South African registered business, monthly turnover of at least R30,000, and clean bank statements. Credit score requirements vary — some lenders assess cash flow instead.
What is the maximum business loan amount available?+
Fintech lenders typically offer R10,000 to R5,000,000. Traditional banks can lend up to R50M+ for established businesses with security. Use our business loan calculator to model repayments.
How long does business loan approval take?+
Fintech lenders like Bridgement and Lula approve within 24 hours for amounts under R1M. Banks typically take 5–15 business days. Our matching service connects you with the fastest suitable lender.
Can I get a business loan with bad credit?+
Yes. Several lenders assess business cash flow rather than personal credit scores. Invoice finance and merchant cash advances are particularly accessible for businesses with poor credit history.
Is Finance EzyFind a lender?+
No — Finance EzyFind is a free comparison and matching platform. We connect you with verified lenders. There are no fees to use our service.
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Rates are indicative and subject to change without notice. Finance EzyFind is a free comparison and matching service — not a lender or credit provider. All lending is subject to the National Credit Act (NCA). Please borrow responsibly.
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