Bridgement offers South African businesses a revolving credit facility that behaves like a modern overdraft. You are approved for a limit, you draw only what you need, you pay interest only on what you use, and once you repay, the facility is available to draw again.
Who it suits
This fits an SME that wants a flexible safety net rather than a lump-sum loan: a facility to dip into for stock, a gap, or an opportunity, and to top up as needed without reapplying each time.
What you get
- A revolving facility you can draw from repeatedly up to your limit.
- Interest charged only on the amount you actually use.
- Fast, fully online application and approval.
- No paperwork mountain and no equity given away.
How the cost works
You pay for what you draw, at a cost quoted upfront, rather than a fixed fee on the full limit. The flexibility to repay and redraw makes it well suited to ongoing, unpredictable cash needs.
Our take
A revolving facility is often more useful to a small business than a one-off loan, because cash needs rarely arrive in a single lump. Bridgement’s draw-repay-redraw model fits how SMEs actually trade. Compare it with fixed working capital loans and the full funding range to choose the right structure.
Related: Working capital loans · Cash flow · All funding options