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Type of financing /
Retail financing


Get funding, fast.

Backing your retail business

If you don't have the luxury of 30-day payment terms, you're going to be looking for a way to bridge the gaps in your cash flow. Banks and other traditional lenders require extensive credit and financial documentation, and their approval process is time consuming and lengthy. Even if you are approved, it can take days to get access to the working capital you need. By then your business opportunity might be gone.

From maximising inventory to driving customer traffic, we want to help you reach your potential. As a retailer, your working capital can fluctuate based on seasonal demand or variations in inventory. You want to be able to turn around a big order or take advantage of bulk pricing – but this requires immediate cash on hand.

Maximising the value of financing for retailers

This is where Lulalend comes in. Our application process is fully automated and online, so we can provide retail financing of up to R1,500,000 in 24 hours. We use simple, meaningful revenue data to help determine your real business health – this doesn't require extensive documentation that takes you time to gather.

When you need retail financing to cover day-to-day expenses like investing in new technology, new marketing opportunities, hiring new staff or purchasing additional inventory we have you covered.

Our application takes 8-minutes and requires none of the intensive paperwork that the banks usually require. We can also have a decision for you within hours, and money in your account in 24 hours or less.

Accessing small business financing shouldn't be complicated or time consuming, so we've developed a way to get you financed for up to R1,500,000 in minutes.

Up to R1,500,000 line of credit | Choose a 6 or 12-month term | Qualify in 8-minutes

There's a better way to fund your business

"We really appreciate the funding we received from Lulalend. We started our business 3 years ago with R5000 and are now seeing R19 million in sales per annum.Our first experience with Lulalend was so impressive we have used them several times again to assist us with cash flow as the business keeps expanding quicker than we can anticipate.Their application process with Lulalend is painless and simple which is why we keep coming back to them."

Duncan Matthews, Director of The Cell Store

Why Lulalend?

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

Financing to suit your business

Unsecured business financing

Industry specific financing

Get approved for up to R1,500,000 today. No fees, no commitments.