Lulalend Inventory Loans

24th ,October, 2022


Lulalend is an online lender that offers a variety of unsecured business funding options including retail financing and inventory loans. They provide quick, easy short-term funding through an online interface.

Some of the sectors that Lulalend caters for are manufacturing, construction, professional services, retail, and hospitality and restaurants.

The company was launched to disrupt traditional lenders with their technology-first approach and by providing accurate and quick loan processing.


  • Application process – Lulalend’s application process is 100% online. To apply you will be required to share standard personal and business information, as well as upload recent bank statements or link your internet banking account via Yodlee. You can get approved in 24 hours.
  • Repayments – With their inventory loans you can choose between 6 and 12-month terms.
  • Qualifying criteria – They require that a business have a minimum monthly turnover of R40,000 as well as an annual turnover of at least R400,000 and it must be actively trading for at least one year.


Lulalend charges a fee (cost) which is based on a % of the principal amount funded. The cost varies between 5% and 12% and is determined based on the risk and overall scoring of the business.

Monthly costs are 3% – 10% of your advanced amount for the first 2 or 4 months (plan dependant) and 2% for each of the remaining months.


  • No collateral needed.
  • No long queues or extensive paperwork
  • Transparent, flexible terms
  • Access to finance in 24-hours


The affordability assessment (measure of business financial health) is based on the historical financial information and does not take future contracts into account.

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Brand Features

  • No collateral required
  • 100% Online applications
  • 6 and 12-month terms
  • No paperwork


Finding the right purchases for your small business is time consuming, so looked at the list of options to come up with the following recommendations.

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