Take the opportunity before it passes
Fund a confirmed order, add capacity or move on a time-sensitive expansion opportunity.
Unsecured Business Loan – New Design
Unsecured business funding
Capital matched to the way your business moves.
One application. Multiple funding options. Clear guidance from people who understand established South African businesses.
◆ Initial assessment takes 3–5 minutes and does not guarantee funding.
R20k–R10mFunding solutions available
1 applicationCompared across multiple funders
24–72 hrsTypical full assessment after documents
Since 2016Helping SA business owners
Could your business qualify?
Start with two quick indicators. No documents needed yet.
Funding for momentum
Built for businesses with proven turnover—not projections.
R1m–R100m annual
turnover
A more considered way to fund
You know your business.
We know the funding landscape.
Instead of sending the same application from lender to lender, get a clearer view of suitable options through one guided process.
01
Access more than one route
Your information is assessed against multiple funder criteria, helping identify options aligned with your turnover and trading history.
02
Speak to a finance specialist
Get practical guidance on requirements, affordability and next steps—without unnecessary jargon.
03
Keep control of the decision
Review the outcome, ask questions and choose whether to proceed. The final decision stays with you.
Funding with a job to do
What could the right capital unlock?
Short-term funding works best when it supports a clear commercial outcome.
Bridge the gap between work and payment
Keep operations moving while waiting for customers or contracts to settle.
Buy inventory when timing matters
Secure stock, materials or seasonal inventory without draining working cash.
Turn attention into growth
Finance targeted campaigns, lead generation and customer acquisition without draining working capital.
Cover essential operating costs
Manage payroll, suppliers and short-term business expenses through uneven cycles.
Keep cash available when it matters
Cover timing gaps and unexpected costs while preserving cash for essential operations.
Simple, not simplistic
One guided process.
Three clear steps.
We only ask for supporting documents once your business meets the initial requirements.
1
Tell us about the business
Complete a focused 3–5 minute assessment covering turnover, trading history and what the funding needs to achieve.
2
We compare suitable routes
If you meet the minimum criteria, submit recent bank statements and we assess the application across relevant funders.
3
Review before you decide
We explain the outcome, requirements and costs clearly. You can proceed, ask questions or pause.
Typical timing:
full funding assessments generally take 24–72 hours once complete documents are received.
Start the assessment →
Know where you stand
The essentials, upfront.
These are the common minimum indicators for unsecured business funding.
✓
At least 12 months trading
Longer, consistent trading history may provide access to stronger funding options.
✓
R1 million+ annual turnover
Turnover is assessed using actual deposits in the business bank account.
✓
Demonstrated affordability
Recent business bank statements are used to understand performance and repayment capacity.
✓
Reasonable director credit
Minor issues may be considered, but active debt review or severe adverse listings can prevent an application.
Rates and terms depend on the business, its performance and the funder’s
risk assessment. Indicative monthly interest may range from 1.7% to 5%
on outstanding capital. Approval and terms are not guaranteed.
“Good funding should solve a business problem—not create a new one.”
That is why the page leads with fit, transparency and control. It speaks to serious owners as decision-makers, not desperate borrowers.
01
application gives Premier Finance the context to assess more than one suitable funding route.
Straight answers
Before you apply.
A business owner should understand the process before sharing documents or making a commitment.
Does the initial assessment guarantee funding? +
No. It confirms whether unsecured funding may be suitable and whether the application can move to a full assessment.
Will I need to provide security? +
This page is focused on unsecured funding, assessed primarily on business performance, affordability and trading history rather than property security.
How is interest calculated? +
Interest is generally calculated monthly on outstanding capital. The rate depends on the business profile and the specific funder’s assessment.
Can I settle early? +
Early settlement may be available without penalties and can reduce total interest paid, subject to the terms of the selected facility.
Do you assist start-ups? +
Unsecured funding is generally not suited to start-ups because funders require proven turnover and a meaningful trading history.
Move with clarity
Let’s find out what your business can access.
Complete the initial assessment and receive clear feedback on whether your business meets the minimum criteria to proceed.
✓
3–5 minute assessment
✓
Secure online application
✓
No obligation to proceed