Who qualifies for working capital?
- 12+ months trading
- R50k+ monthly revenue
- Active business bank account
South Africa
Working Capital for SA SMEs — apply once, compare lenders.
Short-term funding to cover operating expenses, stock, salaries or seasonal gaps.
No credit pull Instant score One application, many funders
At a glance
Amount
R50,000 – R5m
Turnaround
24–72 hours
Best for
Established trading businesses
- Cash in account in 24–72 hours
- Unsecured options up to R5m
- Flexible 3–24 month terms
- No early settlement penalties (most lenders)
What you'll need to apply
3–6 months bank statements
ID of directors
Company registration
Upload once on Funder — every matched lender sees the same pack.
How it works
Getting working capital on Funder
- Step 01
Check your fundability
Answer a few questions and get an instant readiness score — no credit pull.
- Step 02
Get matched to lenders
We rank lenders by approval odds, cost and turnaround for your profile.
- Step 03
Submit one application
Upload documents once. Multiple lenders review in parallel.
- Step 04
Compare offers & accept
Review terms side-by-side and accept the best fit.
Lenders
See all lenders Working Capital lenders we work with
No upfront fees
Funder is free for SMEs. Lenders pay us when you get funded.
Built for SA realities
B-BBEE, SARS tax compliance, CIPC and VAT logic baked in.
One application, many lenders
Stop re-submitting the same docs to every funder.
FAQ
Working Capital in South Africa — questions answered
How fast can I get working capital in South Africa?
Most approved SMEs receive funds within 24 to 72 hours of submitting a complete application with 3–6 months of bank statements.
What's the minimum revenue for a working capital loan?
Most alternative lenders require R50,000+ in monthly turnover and 12+ months of trading. DFIs and banks usually require more.
Do I need collateral?
Not always. Many SA working-capital lenders offer unsecured facilities up to R1–2m; larger amounts may require a personal surety or collateral.
How much will it cost?
Pricing varies by risk: expect anywhere from prime + 3% (bank) to higher monthly costs from alternative lenders. We surface effective cost on every match.
Explore working capital by segment
Tailored pages for industry and revenue band.
Working Capital for RetailWorking Capital for HospitalityWorking Capital for ConstructionWorking Capital for ManufacturingWorking Capital for Logistics & TransportWorking Capital for Professional ServicesWorking Capital · under R30k / monthWorking Capital · R30k – R100k / monthWorking Capital · R100k – R250k / month
Ready to see what you qualify for?
Get your free Fundability Score, see your matched working capital offers, and apply once.