Working Capital Loans in South Africa

All businesses run into cash-flow issues at some point. Short-term loans are a great way to bridge any gaps, while keeping business operations stable.

With working capital loans in South Africa, businesses can easily access the short-term funding they need to support day-to-day operations.

At Business Loans, we work with a curated list of trusted and established lenders to find our clients the best available business finance solutions. This includes working capital loans of up to R6 million.

Apply now for a working capital loan and get funding fast.

Working Capital Loans in South Africa

Getting the best offer

We get your business the best possible financing option for its needs by working with a network of reputable lenders. This enables us to get you the best offer.

We don’t believe in making access to funding more complicated than it has to be. So our processes are fast and paperless, and can be completed online. We offer service that’s professional, considerate and efficient.

What is working capital?

This includes the money a business has on hand to cover day-to-day operations.

It also includes accounts payable (money owed to the business) and inventory, including raw materials. These may have significant value. However, without readily available cash to cover daily expenses, a business may quickly find itself in a tough spot.

In a case like this, a short-term injection of capital can make all the difference.

What’s special about a working capital loan

This is a type of short-term loan designed to cover day-to-day operating costs.

Examples of these costs are salaries and benefits, rent, subscription fees, marketing costs, the costs of materials and stationery, licensing fees and utilities.

This loan type ideal for bridging a gap in cash flow.

Can any business get this type of loan?

Most registered businesses with generally good financial health qualify for short-term loans.

At Business Loans, we have secured loans for companies of all sizes and across a diverse range of industry and commercial sectors.

We specialise in short-term loans, suitable for when you expect a cash in-flow in coming months.

How much can my business borrow?

This will depend on your business’s needs and financial position.

We facilitate loans of up to R6 million for South African businesses.

Your business must be registered and tax-compliant to qualify.

How to apply for a working capital loan

We’ve streamlined our process to make it exceptionally quick and easy for businesses to get funding.

Apply online

Simply fill out and submit our online application form. Our entire process is paperless and there’s no need for an office visit.


Speak to a loan manager

One of our specialised loan managers will respond promptly, requesting any needed documents and explaining what you can expect, so there are no surprises.


Review a funding offer

We’ll provide the best available loan offer from a network of trusted lenders. Once you’re ready to proceed, we’ll facilitate an agreement.


Receive funding

Once an agreement is approved and signed, the loan amount is transferred directly to your business account via EFT.


Make regular payments

Make regular payments to repay the loan over the agreed time period.

Apply online to get a working capital loan in South Africa. Our processes are fast, straightforward and professional.