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Business financing

Business financing for your specific needs

If you’re an SME, business finance funds routine operations or special plans for growth. You can use business finance to buy equipment, cover late payments, expand to new premises, or manage a cash flow crunch. Show more

Many South African SMEs cite lack of capital as a key struggle. And access to business finance means the difference between success and failure. There are various sources of business finance in South Africa. Lulalend, however, is the easiest way to fund your business.

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How to get finance for your business?

When you tap into personal networks, your growth is limited by the capital you can access from friends, family, and your own savings. With banks, the application process is longer, approval rates for SMEs are low, and collateral is a requirement. Lulalend provides business finance tailored to SMEs. Show more

You apply online in minutes and receive your business finance the next day. No collateral. No early repayment penalties. And with our credit facility, you can have instant access to a line of revolving credit, without needing to reapply. Joins thousands of satisfied SMEs across South Africa today. It’s the easiest way to access up to R1,5 million in 24 hours.

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How to apply for Lulalend working capital finance

Apply online at Lulalend Small Business Funding - Step 1

Complete your online application

Apply online at Lulalend Small Business Funding - Step 2

Select how much you need

Apply online at Lulalend Small Business Funding - Step 3

Get approved in 24 hours

Up to R1,5 million line of credit | Choose 6 or 12-month terms | Apply in minutes

What will I pay?

We've simplified the lending process with our 6 and 12 Month Plans. Every month you pay back 16th or 112th (depending on which plan you choose) of the total advanced amount plus the monthly cost. Monthly Costs are 2% - 6% of your advanced amount for the first 2 or 4 months (plan dependent) and 2% for each of the remaining months. You can pay early and save.

80000
6 months
Total repayment
0
No additional costs
Month Capital payment Cost * Monthly payment due
1 0 0 0
2 0 0 0
3 0 0 0
4 0 0 0
5 0 0 0
6 0 0 0
7 0 0 0
8 0 0 0
9 0 0 0
10 0 0 0
11 0 0 0
12 0 0 0
Total 0 0 0
* Based on average Lulalend Score and credit history — no hidden costs and no early repayment fees.

There's a better way to fund your business

"In the manufacturing industry you often sit in between projects with this lull, so for us cash flow is a huge challenge. Just to get funding or capital as a small business owner is almost impossible. If it wasn't for Lulalend we would have sunk a long time ago because of the bridging gap. We had the turnover and capacity but we couldn't get from month to month on the cash flow going in and out of the company."

Testimonial image
Christiaan Servaas de Wet
Business owner at C and G Fine Art

Why Lulalend?

  • Apply in minutes
  • Transparent, flexible terms
  • Access to finance in 24-hours
  • Customer-centric service
  • Unsecured financing
  • Trusted by local SMEs
  • No long queues or extensive paperwork
  • We say yes more often

Why Lulalend?

  • Apply in minutes
  • Transparent, flexible terms
  • Access to finance in 24-hours
  • Customer-centric service
  • Unsecured financing
  • Trusted by local SMEs
  • No long queues or extensive paperwork
  • We say yes more often

Business financing FAQs

We're covering the most frequently asked Business financing questions we get from business owners

What is a business credit facility?

A credit facility is a line of credit you can tap into when you need business funding. When you have a business credit facility, you can withdraw capital whenever you need it, without having to reapply.

How do I apply for a credit facility?

Different lenders have different application processes. Banks typically require more paperwork and take longer than alternative lenders such as Lulalend. Lulalend’s online application process takes only minutes and is paperless. Lenders will consider your business performance and ability to repay the credit when they assess your application.

How do credit facilities work?

Credit facilities let SMEs access capital up to an agreed limit whenever they want, without having to reapply each time. The lender agrees to make a line of credit available to you. You repay the credit over an agreed term.

What is the benefit of a credit facility?

For a small business, easy access to working capital allows you to take advantage of opportunities for growth. A business credit facility gives you peace of mind because you have instant access to funding.

Get approved for up to R1,5 million today. No fees, no commitments