Lenders on Frank’s panel.

Absa

The women-, youth- and BEE-focused lender. "Access to Finance" umbrella has the most dedicated unsecured products for women, youth, black-owned agri, and public-sector contract holders.

African Bank

Quietly becoming a credible SME lender. Absorbed Sasfin's capital equipment + commercial property books in 2024; now targets 100k SMME customers by FY2025 with an IPO planned 2025-2027.

Bridgement

✓

Short-term business finance with flexible repayment.

Capitec Business

SA's mass-market digital SME challenger. Single account structure for R100k-R100m+ turnover, scored lending that approves overdrafts, asset and property finance within days.

FNB

Deepest digital SME stack in SA, anchored by Cash Advance (merchant cash advance against Speedpoint/Speedee/QR card turnover) and the Vumela Fund for B2B suppliers.

Geddes Capital

✓

Trade and import finance to help you pay suppliers before your customers pay you.

GoTyme Bank

SA's digital MCA leader. Over R12bn disbursed to 80,000+ SMEs via TymeBusiness Advance, Retail Capital Cash Advance, and EasyAdvance (Payfast partnership).

Lula

✓

Quick business loans with a simple online application.

Merchant Capital

✓

Revenue-based funding repaid as a percentage of your daily card sales.

Nedbank

SA's merchant-cash-advance and commercial-property specialist among the big four. GAP Access is best-in-class for merchants; NedBonds is market-leading on property.

Pollen Finance

✓

Unsecured short-term business loans with a flat finance charge.

Standard Bank

SA's widest bank SME product shelf. Flagship digital unsecured working capital via BizFlex, plus deep agri / solar / asset / trade / property finance.