Cash Flow Capital

Lead Distribution
17th ,November, 2021


Cash Flow Capital, based in Pretoria, aims to meet the unique needs of small businesses, particularly the need for greater convenience, transparency and quicker lending process. The lender also wants to increase the approval rate for loans to SMEs.

Cash Flow Capital offers a variety of financing solutions for small businesses including working capital, consolidation, and alternative working capital solutions. Their advances are unsecured but you can opt for secured loans or asset-backed finance.

To help small business owners to better manage their debt and repayments, Cash Flow Capital allows them to pay back their loan daily or weekly, what they call, micro installments.

Applications are done completely online, and the process promises to take less than 5 minutes. According to the website, once approved you can access funds within 24 hours.

Cash Flow Capital also promises flexible terms which includes loan terms and payment schedule. Your funds are also unrestricted, meaning you can use them for whatever your business needs, including replenishing cash flow, purchasing inventory or equipment or completing renovations .

They currently do not fund the following, non-profit organizations, construction companies or logistics companies. They also do not provide venture capital or personal loans for new ventures.


  • Qualifying Criteria –To apply you will need to submit their application and previous three months bank statements, additional financials and any relevant additional documents such as a lease agreement. To qualify for their financing solutions, you need:
    – Minimum 6 months in business
    – Must be a “for-profit” business
    – Have a minimum monthly revenue of R300,000
  • Repayment Terms – The payback period of their advances ranges between 4 to 12 months. Depending on client need, terms or business loans and advances can also be either longer.
  • Application process – You can pre-qualify online in 5 minutes. As part of this process, you will be required to share how you plan to use your funds and provide financial information about your business and its owners. You will also be required to upload requested documents to complete your application. Once approved, you can review your offer and term for your cash advance and funds will be transferred within 24–48 hours from the time your application is submitted.


Your interest rate will be determined by a number of factors including affordability, credit scores, and financial analysis.


Quick and efficient application process.


Can only apply online.

Customer service

Contact Cash Flow Capital via phone or you can fill in a form on their website.

Brand Features

  • Unrestricted loans
  • Flexible terms
  • Micro installments option
  • Funds accessible in 24–48 hours


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