Frank’s blog.
Comparisons, explainers, and honest takes on SA SME lenders and funding products.
Lula vs Bridgement: which SA funding platform should you choose?
A plain-English comparison of Lula and Bridgement for South African SMEs, product shapes, rates, speed, who each one fits, and how to pick.
Merchant Capital vs Retail Capital: SA revenue-based finance compared
Two of SA's biggest merchant cash advance / revenue-based finance players. Plain-English comparison of product shape, fit, total cost, and who each one works for.
Alternatives to a bank overdraft for SA small businesses
Bank overdrafts are hard to get and harder to scale. Here are the practical SA alternatives for SME cash-flow smoothing, with the trade-offs Frank sees.
Invoice factoring vs invoice discounting in South Africa
The difference between factoring and discounting matters when you're comparing SA invoice finance providers. Frank explains the core trade-off and when each one fits.
How SA alt-lenders underwrite SME applications
What South African alternative lenders look at, in what order, and how to prep your business so your application doesn't stall at the first review.
The real cost of merchant cash advance in SA, factor rate vs APR
Merchant cash advance quotes are priced as a factor rate, not an interest rate. Here's how to translate it into APR so you can compare apples-to-apples with a term loan.
Not sure if this is the right fit? Let Frank walk you through it.
Answer a few quick questions about your business and Frank will show the funding shapes that typically fit, with the lenders who offer them.
See your funding options