Keep daily operations moving
Bridge timing gaps while customers or contracts are still due to pay.
Cash-flow-led business funding
A low credit score does not have to stop a strong business.
Access short-term working capital when your business has healthy cash flow, even if a director’s credit record falls outside traditional lending criteria.
◆ Cash flow is central to the assessment; funding is not guaranteed.
R100k–R6mIndicative funding range
Up to 6 monthsMaximum loan term
R50k+Daily minimum bank balance
Cash-flow ledMore than a credit score is considered
Could your business qualify?
Check the two key starting indicators before completing the assessment.
Cash flow before credit score
Your credit record is one factor. Your business cash flow shows its ability to repay.
R50k+
minimum daily balance
Business funding assessment
Cash-flow led
Bank activity
Trading reviewed
Daily balance
R50k+
Working capital
Facility considered
A broader view of the business
Strong trading can tell a fuller story.
A low director credit score does not automatically end the conversation when an established business has healthy, consistent cash flow.
01
Cash flow carries real weight
The business bank balance must remain above R50,000 on every day in the period assessed.
02
More than one score is considered
The funder considers current trading strength, turnover, bank statements and affordability alongside the directors’ credit profiles.
03
A focused short-term facility
Funding is structured for a defined working-capital need over a maximum term of six months.
Funding with a job to do
Put short-term capital to work.
Use the facility for a clear business need that supports operations, delivery or growth.
Buy inventory when timing matters
Secure stock, materials or seasonal inventory without draining working cash.
Meet payroll commitments
Protect continuity when income and salary dates do not align.
Pay critical suppliers
Maintain supply, protect relationships and keep customer delivery on track.
Mobilise confirmed work
Cover the upfront costs of labour, stock or logistics needed to begin a contract.
Fund a defined business expense
Address a necessary short-term cost with a clear purpose and repayment plan.
Clear from the start
Three steps to an informed decision.
Begin with the minimum-requirements check. A full application is requested only if the business meets the starting indicators.
1
Check the minimum requirements
Complete our online form so Premier Finance can check whether your business meets the minimum requirements to apply.
2
Receive your application pack
If the requirements are met, you will receive an email with the application form, consent form and supporting-document list.
3
Complete and return everything
Complete all forms and return them with every supporting document so your application can be submitted to the funder.
Important:
Submission does not guarantee approval. The final decision and
terms depend on the funder’s complete assessment.
Read the FAQs →
Know where you stand
The essentials, upfront.
These starting indicators help determine whether this type of funding may be suitable.
Strong, consistent cash flow
The business bank balance should not fall below R50,000 on any day in the period assessed.
Established business activity
At least R1 million annual turnover (more than R80,000 per month), supported by trading history and bank statements.
Defined short-term funding need
The loan must suit a term of no more than six months and a repayment profile the business can afford.
No director under debt review
Premier Finance cannot assist with new credit while a director is under debt review. A separate removal assessment may be the appropriate first step.
Meeting these indicators does not guarantee funding. If a director
is under debt review, use the
debt review removal assessment
before applying for further credit.
“Strong cash flow gives a funder more of the business story than a credit score alone.”
Premier Finance helps introduce suitable applications to a funder that considers the business’s current trading strength alongside the directors’ credit profiles.
6
Months is the maximum term for this short-term business funding option.
Straight answers
Before you apply.
Understand the role of cash flow, credit history, debt review and supporting documents before sharing your details.
Can I qualify with a low credit score? +
Potentially. The funder considers the business’s wider profile, including cash flow, turnover, trading history and affordability, alongside the directors’ credit profiles. Funding is not guaranteed.
What is the key cash-flow requirement? +
The business bank balance must not fall below R50,000 on any day in the period assessed.
What supporting documents must I supply? +
If your business meets the minimum requirements, the emailed application pack must be completed and returned with:
- The completed application form sent by email.
- The business’s bank statements for the most recent six months.
- Consent-to-credit-search forms signed by every director or member of the business.
- CIPC company-registration documents.
- If the business premises are leased, a copy of the lease agreement.
- If the business premises are owned, a copy of the rates account or title deed in the business’s name.
- Copies of the identity documents of every director or member.
- VAT statements of account for 2025 and 2026. If the business is not registered for VAT, provide a letter from its accountant confirming this. Outstanding VAT does not automatically prevent an application where the funding is required to settle it.
What is the maximum loan term? +
The maximum term is six months.
Can I apply while under debt review? +
No. Premier Finance cannot assist with new credit while a director is under debt review. Complete the debt review removal assessment first.
Does the initial form guarantee funding? +
No. It only checks whether the business may meet the minimum requirements to proceed to a full application. Approval and terms depend on the funder’s complete assessment.
What can the funding be used for? +
Suitable uses include working capital, stock, payroll, suppliers, contract mobilisation and defined once-off business expenses.
Move with clarity
Let your cash flow tell the fuller story.
Complete the initial assessment and receive feedback on whether your business may meet the starting criteria for short-term funding.
Secure online form
Cash-flow-led review
No obligation to proceed