Business funding options in South Africa.
Every funding type Frank covers, explained plainly. Click a card to see how it works, who it fits, and which SA lenders offer it. Not sure which applies? Run the questionnaire — takes under a minute.
See your funding optionsTerm loan
A lump sum paid into your business account, repaid in fixed monthly instalments over 3–60 months. Sometimes unsecured, sometimes secured against property or a business asset depending on size and lender. Predictable cost, clear end date.
Learn moreRevenue-based
Capital up front, repaid as a fixed percentage of your daily or monthly revenue until the full amount plus the lender’s fee is settled. Quiet months mean smaller repayments; busy months mean faster payoff. In SA this usually shows up as a merchant cash advance against card turnover, or an advance against total monthly revenue.
Learn moreInvoice finance
You send an invoice to a business customer on 30 / 60 / 90 day terms. The lender advances you 80–90% of the invoice value immediately and settles up (minus their fee) once the customer pays. Costs scale with how long collection takes. Works on individual invoices (selective) or against a whole debtor book (factoring / discounting).
Learn moreAsset finance
Finance tied to a specific business asset — usually plant, machinery, commercial equipment or specialised tools. The lender pays the supplier directly, you repay monthly over 24–60 months, and the asset itself sits as security. The asset earns (or saves) the money that services the debt.
Learn morePurchase-order finance
You've landed a confirmed purchase order from a creditworthy buyer but can't fund the materials and labour to fulfil it. The lender pays your suppliers directly, you deliver, the buyer pays on the agreed terms, and the lender settles out of that payment minus their fee. Fulfilment risk sits with you; credit risk sits with the buyer.
Learn moreBridging finance
Short-term capital (30 days to 12 months) that closes the gap between a known inflow and when you actually receive it. Common SA use cases: waiting on a VAT or SARS refund, a property transfer, a confirmed contract payment, or an executor payout. Expensive per month but cheap when the bridge is short.
Learn moreNot 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