Funding options

    Every funding type South African SMEs need.

    From overnight working capital to long-term DFI funding — Funder matches you to the products that fit your stage, sector and cash flow.

    Pick a goal — we'll prefill your application

    Choose the closest match and skip Step 2's purpose question.

    Working Capital
    Cash flow when you need it
    Start application
    Invoice Finance
    Unlock cash from unpaid invoices
    Start application
    Asset Finance
    Fund vehicles, equipment & machinery
    Start application
    Purchase Order Finance
    Fulfil orders you couldn't otherwise
    Start application
    Merchant Cash Advance
    Funding repaid from card sales
    Start application
    Business Expansion Loans
    Scale operations, locations or teams
    Start application
    Government & DFI Funding
    SEFA, IDC, NEF, DTIC schemes
    Start application
    Startup Funding
    Pre-revenue & early-stage capital
    Start application
    R50,000 – R5m · 24–72 hours

    Working Capital

    Short-term funding to cover operating expenses, stock, salaries or seasonal gaps.

    Best for
    Established trading businessesCash-flow gapsStock purchases
    Start application Read the full working capital guide
    Typical requirements
    • 12+ months trading
    • R50k+ monthly revenue
    • Active business bank account
    Documents needed
    • 3–6 months bank statements
    • ID of directors
    • Company registration
    R100,000 – R20m · 48–72 hours

    Invoice Finance

    Advance up to 80% of outstanding B2B invoices instead of waiting 30–90 days.

    Best for
    B2B businessesLong payment termsGrowing receivables
    Start application Read the full invoice finance guide
    Typical requirements
    • Creditworthy debtors
    • Trading 6+ months
    • Recurring B2B invoices
    Documents needed
    • Debtors age analysis
    • Sample invoices
    • Bank statements
    R100,000 – R10m · 5–10 days

    Asset Finance

    Acquire productive assets without tying up working capital. Asset secures the facility.

    Best for
    Logistics, manufacturing, constructionEquipment upgrades
    Start application Read the full asset finance guide
    Typical requirements
    • Asset quote
    • 12+ months trading
    • Deposit (often 10–20%)
    Documents needed
    • Supplier quote
    • Financial statements
    • Bank statements
    R250,000 – R15m · 5–10 days

    Purchase Order Finance

    Funder pays your supplier so you can deliver large confirmed POs without using your own cash.

    Best for
    Distributors, manufacturersGovernment & corporate POs
    Start application Read the full purchase order finance guide
    Typical requirements
    • Signed PO from creditworthy buyer
    • Clear margin
    • Trading history
    Documents needed
    • Purchase order
    • Supplier invoice
    • Margin breakdown
    R50,000 – R2m · 24–48 hours

    Merchant Cash Advance

    Lump-sum advance repaid as a small percentage of daily card / POS turnover.

    Best for
    Retail, hospitality, e-commerceCard-heavy businesses
    Start application Read the full merchant cash advance guide
    Typical requirements
    • 6+ months card sales
    • R30k+ monthly card turnover
    Documents needed
    • Merchant statements
    • Bank statements
    • ID
    R500,000 – R20m · 10–21 days

    Business Expansion Loans

    Term loans for expansion projects, refurbishments, marketing or new market entry.

    Best for
    Profitable, growing businessesMulti-year plans
    Start application Read the full business expansion loans guide
    Typical requirements
    • 2+ years trading
    • Audited financials
    • Growth plan
    Documents needed
    • AFS for 2 years
    • Management accounts
    • Business plan
    R50,000 – R50m+ · 30–90 days

    Government & DFI Funding

    Concessional funding, grants and blended finance from development finance institutions.

    Best for
    BEE-aligned businessesJob creatorsPriority sectors
    Start application Read the full government & dfi funding guide
    Typical requirements
    • B-BBEE compliance
    • Tax compliance
    • Sector fit
    Documents needed
    • B-BBEE certificate
    • Tax clearance
    • Detailed business plan
    R25,000 – R500,000 · Varies

    Startup Funding

    Incubator placements, angel intros and grant matches for businesses under 12 months.

    Best for
    New venturesPre-revenue founders
    Start application Read the full startup funding guide
    Typical requirements
    • Registered company
    • Pitch deck
    • Founder ID
    Documents needed
    • Pitch deck
    • Company registration
    • Founder ID

    Funding by industry

    Every funding type above is underwritten differently per sector. Jump straight to your industry, or browse the industries pillar.

    All industriesBrowse lendersHow Funder works
    Retail fundingHospitality fundingConstruction fundingManufacturing fundingLogistics & Transport fundingProfessional Services fundingAgriculture & Agri-processing fundingHealthcare & Medical fundingE-commerce & Online fundingEducation & Training funding