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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.