Business finance South Africa
Business Finance Solutions for South African Businesses
Explore business loans, banking, credit facilities, payment solutions and essential financial tools. Understand the costs, requirements and differences before choosing a provider for your business.
Choosing the right business finance option
Funding
Money used to support operations, growth or asset purchases. Repayment, security and ownership depend on the arrangement.
Banking and credit
Accounts and credit facilities used to manage payments, transactions and short-term business spending.
Payments
Systems that let a business accept customer payments and process sales. A cash advance against those sales is separate funding.
Business tools
Software for accounting, payroll, invoicing and records. The same package does not create the same SARS duties for every business.
Business funding
Find funding for your business
Explore different ways to fund business growth, manage working capital and purchase essential assets. Compare repayment structures, costs, eligibility requirements and important risks.
A guide on this page is not an approval. Turnover, trading history and the type of business can all change what a provider will consider.
Business loans
Explore finance for business operations, expansion or working capital. Compare repayment terms, interest structures and lending requirements.
Explore guideInvoice finance
Understand how eligible unpaid customer invoices may be used to access working capital, including fees, recourse and customer-payment risk.
Explore guideAsset finance
Explore financing for vehicles, equipment and other business assets, including ownership, security and repayment obligations.
Explore guideEquipment finance
Compare ways to finance business machinery and tools, including instalment arrangements, leasing options and contract terms.
Explore guideStart-up finance
Explore funding options for new businesses, including loans, grants and investor capital. A guide here is not an approval.
Explore guidePurchase order finance
Learn how qualifying customer orders may support supplier funding, and understand the fees and conditions involved.
Explore guide
Banking and credit
Manage your business banking and credit
Compare business banking facilities and credit products that support everyday transactions, short-term spending and cash-flow management.
Business bank accounts
Compare business banking options, monthly account fees, payment charges, digital tools and access to business banking services.
Explore guideBusiness credit cards
Understand business card fees, interest, repayment rules and spending controls before choosing a credit facility.
Explore guideBusiness overdrafts
Explore short-term credit linked to a business account, including interest, facility fees and review conditions.
Explore guide
Payments
Accept payments and manage cash flow
Explore payment services that help South African businesses accept customer payments and manage day-to-day cash flow. Understand transaction charges, settlement times and equipment costs.
A merchant cash advance is a funding arrangement collected from future card sales. It is not a payment gateway, a card machine or a point-of-sale system.
Merchant cash advances
Funding linked to future card sales. Check the total repayment, how it is collected, and the effect on day-to-day cash flow.
Explore guidePayment gateways
Compare online payment solutions for South African businesses, including transaction fees, payment methods and settlement arrangements.
Explore guideCard payment machines
Explore card payment terminals and mobile payment devices. Compare transaction rates, device costs and settlement conditions.
Explore guidePoint-of-sale systems
Explore point-of-sale systems for sales, stock and reporting, including hardware, software and ongoing subscription costs.
Explore guide
Software
Run your business more efficiently
Discover software that can help manage accounting, payroll, compliance and daily business administration. Not every business has the same VAT, PAYE, UIF or SDL duties.
What should your business compare before choosing a provider?
Total cost
Look beyond the headline interest rate or advertised transaction charge. Consider administration fees, minimum fees, equipment costs and ongoing subscriptions.
Eligibility
Understand turnover requirements, trading history, credit assessments, business registration and the documents a provider asks for.
Contract terms
Review the repayment schedule, the contract length, cancellation, security and any personal guarantee before you sign.
Cash-flow impact
Consider how repayments, deductions from card sales, settlement delays or monthly fees may affect day-to-day operations.
How to use this page
WiT Money provides general information about business finance and related services. Costs, eligibility and product terms vary by provider. Review the full agreement and the applicable fees before you enter an arrangement. WiT Money does not submit applications, approve finance or act as a credit provider.
Business credit is not governed by one rule for every firm. Whether the National Credit Act applies can depend on the transaction and on whether the customer is a juristic person above the relevant thresholds. A bank account, a card machine and a software subscription are not the same kind of product.