Secure Business Funding Today!

Fast, transparent, and stress-free. Access funding quickly and easily to capitalize on new opportunities and achieve your business goals.

Business Funding Options Tailored To Your Needs

Working Capital Loans

Our working capital loans provide the financial boost you need to cover everyday expenses, purchase inventory, and seize new opportunities. Don't let limited cash hold you back. Apply today and fuel your business growth!

Bridge short-term cash flow gaps
Maintain business momentum
Flexible repayment options
Bridging Finance

Bridging finance provides the temporary funding you need to cover the gap between buying and selling assets, property transactions, or financing business ventures. Secure your financial bridge today and keep your plans moving forward. Apply now!

Temporary funding for unexpected expenses
Bridge the gap between funding sources
Maintain financial stability
Purchase Order Funding

Purchase order finance unlocks the potential of large orders by providing the upfront capital you need to fulfil them. Focus on fulfilling customer needs while we handle the financial side. Apply today and turn potential into profit!

Fulfil large orders, confident and capable
Boost sales and revenue
Faster access to funds

How it works

Quick & Easy Small
Business Financing

Step 1

Apply Online

Simple & Efficient.

Step 2

Get a Quote/Receive an Offer

Save you time and effort.

Step 3

Get funds within 24 hours

Faster Funding Decisions.

Requirements/Who Qualifies

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Registered Business

Your business must be registered and operational for 12 consecutive months

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Minimum Turnover

Make at least R40k a month or R500k a year to qualify

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Complete Application

Once you meet all the requirements, complete the application within 5 minutes

Frequently asked questions

As your trusted partner, we’re here to answer any questions

To qualify for funding, a business must:

  • Be a South African company registered with the CIPC.
  • Have been operating for a minimum of six months.
  • Maintain an active business bank account.
  • Demonstrate an average monthly turnover exceeding R40,000.

Several financing solutions can help manage your working capital in South Africa:

  • Working capital loans: These traditional loans from banks or alternative lenders provide a lump sum to cover day-to-day operational costs, like inventory purchases or payroll.
  • Purchase order funding: This solution helps businesses with confirmed purchase orders but lacks immediate cash flow. The lender advances a portion of the order value, allowing you to fulfil the order and pay your suppliers, with repayment coming from the customer’s payment.
  • Inventory financing: This option provides funds specifically to purchase inventory, with the inventory itself often acting as collateral. You can access the funds needed to stock up and fulfil orders while managing your cash flow.

Remember, each solution has different requirements and costs. It’s crucial to compare options and research lenders to find the best fit for your specific business needs and financial situation.

Eligibility for funding can vary depending on the specific program or lender. However, some general factors lenders consider include the stage of your business, your industry, your financial history, and your business plan. SME South Africa guides preparing your business for funding and resources to help you assess your eligibility.

Applying for funding is simple. Start by filling out our online application form, providing essential details about your business and funding needs. Our experienced team will then review your application and work with you to gather any additional documentation required. Once approved, funds are typically disbursed swiftly to help you achieve your business goals.

While we support businesses across various industries, we have particular expertise in funding sectors such as retail, manufacturing, technology, hospitality, and professional services. However, we encourage SMEs from all sectors to reach out and explore funding opportunities with us.

At SME South Africa, we prioritize the success of our clients by offering personalized service, competitive rates, and flexible terms. Our team understands the unique challenges faced by SMEs and is committed to providing tailored funding solutions that empower businesses to thrive and grow. With our expertise and dedication, we aim to be your trusted partner in achieving your business objectives.

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AKIBA Form Intergration

SME Funding - Get Pre-approved

Note: To be eligible for a short-term business loan, your business must be registered with CIPC and generate a minimum monthly revenue of R40,000. If your business meets these criteria, please proceed with your application.

Business Information


K20174557307

SME Funding - Get Pre-approved

Get a business loan to take your business to the next level.

Important information


SME Funding - Get Pre-approved

Get a business loan to take your business to the next level.

Bank statement

Please submit your bank statement for verification and analysis. Make sure your bank statement is:

  1. An English version you received from your banking app - not the scanned version and not in any other language.
  2. Not older than 1 month.
  3. Has at least 3 months of transactions and no more than 12 months.
  4. If your bank sends you 3 separate files, zip them before uploading.

SME Funding - Get Pre-approved

Get a business loan to take your business to the next level.

ID Confirmation


ID number ( only SA national id accepted )
Upload your identity document in pdf or jpg format

By clicking “Submit” I hereby acknowledge, and agree, to a lender doing a credit check on me and my business? and consent to our Terms and Conditions and Privacy Policy. I am providing express written consent for SME Funding to share my information with its funding partners.

Disclaimer: We connect SMEs with the right financing. We're not a lender ourselves, but a matching service that simplifies your funding journey. We find the perfect fit for your business needs by connecting you with relevant financial providers and products.