Unsecured Business Loans
for South African Businesses
Access unsecured working capital based on your business performance.
✅ Find out in minutes whether you meet the minimum criteria to proceed
✅ Access multiple funding solutions with one application
✅ Trusted by South African business owners since 2016
Funding available from R20,000 to R10 million
Is unsecured business funding right for your business?
Unsecured business funding is commonly used by established businesses that need access to working capital without using property or other assets as security.
It is typically considered for short-term cash flow gaps, operational expenses, or growth opportunities where funding needs to be accessed quickly and repaid over an agreed term.
This type of funding is assessed based on business performance, affordability, and trading history.
Why businesses choose unsecured funding
1️⃣ No collateral required
Unsecured funding is assessed on business performance and affordability — not property or personal assets.
This allows access to working capital without putting long-term assets at risk.
2️⃣ Transparent interest structure
Interest is charged monthly on the outstanding capital, typically ranging from 1.7% to 5% per month, depending on risk profile and trading history.
There is no compounding interest — you only pay interest on what is still owed
3️⃣ Flexible repayment terms
Repayment periods typically range from 3 to 12 months, allowing businesses to choose a term that suits cash flow.
4️⃣ Early settlement benefits
Loans can be settled early at any time.
There are no penalties, and settling early reduces the total interest paid.
5️⃣ Refinance & revolving options
Businesses with strong repayment history may qualify to refinance or structure funding into a revolving facility over time.
Check if your business qualifies
This assessment takes 3–5 minutes to complete.
Once submitted, you’ll receive instant feedback confirming whether your business meets the minimum requirements to proceed.
If your application qualifies, you’ll be guided on the next steps, including submitting recent business bank statements so a full funding assessment can be completed.
How it works
Complete the assessment
Answer a few targeted questions about your business, trading history, and funding needs.
This allows us to confirm whether your business meets the minimum criteria to apply for unsecured funding.
We assess suitable funding options
Your information is assessed against the criteria of multiple funders, not just one.
If your business meets the initial requirements, you’ll receive instant feedback and be invited to submit recent bank statements so a full funding assessment can be completed.
You decide how to proceed
If your application can move forward, you’ll receive clear next steps and document requirements.
You’re free to proceed, ask questions, or pause — the decision remains entirely yours.
Frequently asked questions
Does completing the assessment guarantee funding?
No. The assessment is used to determine whether unsecured funding may be suitable for your business.
If your business meets the initial criteria, we’ll guide you through the next steps.
When will I need to upload documents?
If your business meets the minimum criteria after completing the assessment, you’ll be directed to upload the required documents.
You’ll also have the option to submit your documents via email if that’s more convenient.
Documents are only requested if your business meets the minimum criteria to apply.
How is interest calculated on unsecured business funding?
Interest rates typically range from 1.7% to 5% per month, calculated on the outstanding capital balance.
The exact rate depends on factors such as business performance, affordability, trading history, and the funder’s risk assessment.
There are no penalties for early settlement, and settling early reduces the total interest paid.
What level of business turnover is required to apply?
Most funders require a minimum annual turnover of R1 million, which equates to approximately R85,000 per month.
Turnover is assessed based on actual deposits reflected in your business bank statements, not projected income.
Meeting the minimum turnover requirement does not guarantee approval, but it is necessary to proceed with an application.
How long must my business have been trading?
Our funders require a minimum of 12 months trading history.
The required trade history depends on the funding amount requested, business performance, and the specific funder criteria.
Businesses with longer and consistent trading history generally have access to better funding options.
What are the directors’ credit requirements?
Directors are required to have a reasonable personal credit profile.
While minor credit issues may be considered, active debt review, debt restructuring, or severe adverse listings will generally prevent an application from proceeding until resolved.
Credit is assessed as part of the overall risk evaluation, alongside business performance.
How long does the process take?
- The initial assessment takes 3–5 minutes to complete.
- If your business meets the minimum criteria, you will receive instant feedback.
- Once bank statements and supporting documents are submitted, a full assessment with funders typically takes 24–72 hours, depending on completeness and complexity.
Who can apply?
This funding is suited to established South African businesses that:
- Are actively trading
- Generate regular turnover
- Can demonstrate affordability through bank statements
Each application is assessed on its own merits against current funder criteria.
Can you help sole proprietors?
Yes. Sole proprietors can apply, provided they are vat registered and the business has a separate bank account in the business name.
Do you help start-ups?
Unsecured funding is generally not suitable for start-ups or businesses without trading history.
Most funders require proven turnover and bank statements to assess risk.