business loans

Quick and adaptable business owner loans in South Africa funding:
  • Active businesses
  • Corporate loans
  • Working capital loans
  • Business lending
  • Company loans
  • SME funding
  • SMME funding
  • Business finance options
  • Company funding
Within 1 day.
No security required.

Business loans from R50,000 to R5 million

If you have sales of over R1 million in the last 12 months, apply for a business loan now. To get a loan quickly, submit 6 months of bank statements after a loan manager has contacted you. Use the business loan money to:

  • factor invoices
  • expand your business
  • buy new assets
  • settle debt
  • pay VAT
  • pay a deposit
  • pay tax
  • buy out a partner

Business owner loans made easy!

We have access to many sources of finance. Use our small business loan service, big business funding service or apply for a commercial loan, a short term loan, a long term loan, working capital loan, revolving business credit, unsecured business finance, business bridging finance, a secured business loan, a franchise business loan, a franchisee loan or any other type of business loan.

If you’re looking for business loans online in South Africa, the application process is easy.

Full business loan application process

1

Apply online.

Submit the application form on this website.

2

Speak to a loan manager.

A loan manager will contact you to get a fast loan.

3

Submit bank statements.

Provide 6 months of statements and complete the forms.

4

Agree to the proposal.

A business assessment is done and a credit loan is proposed.

5

Receive funding.

Business loan funds are transferred to your bank account.

6

Make monthly payments.

You pay back the agreed amount each day or week until the working capital loan is settled.

Important terms & conditions

  • Business-loan.co.za is an independent loan facilitator.
  • We cannot assist start-up businesses who have been operating for less than 12 months.
  • We are not qualified to give advice, but submit your application to our accredited loan providers.
  • Loans are not automatically granted and are assessed on various risk and repayment criteria.
  • The enquiry form has a set of basic questions which enables the lender to assess the risk and make a high-level decision as to whether they can take the application forward.
  • When submitting the enquiry form, your application is submitted directly to the lender.
  • The lender will call to verify the information submitted and/or to ask for further information.
  • All loans are granted at the sole discretion of the lender.
  • The lender pays our fee. There is no cost to you.
  • Ensure all requested documentation is submitted to ensure quick processing.
  • Interest on loans is 4.17% per month.
Implications of non-payment

  • Financial implications
    Interest is accrued at a lending rate of 4,17% per month plus legal costs. 
  • Collection practices
    All non-payment loans will be handed over to attorneys for collection. Legal costs will be for the borrowers account.
  • Impact on borrowers credit score
    Defaulting borrowers will be added to the Credit Bureau’s records and be negatively rated. 
  • Renewal Policy
    The renewal of a loan will not be automatic and will be at the lenders sole discretion. New loans or renewals will attract the same fees as the original loan.
  • Further loans
    You can apply for a further advance from week 13 of your business loan agreement. 
Get an unsecured business loan in less than 24 hours.