Business funding
Compare Business Loans in South Africa
Explore business loan providers, funding amounts, repayment terms, fees and eligibility requirements. Understand the total cost of borrowing and whether security or personal surety may be required.
Funding eligibility, pricing and security requirements depend on the provider and the business. WiT Money does not approve credit or give a personalised quotation. Information checked 28 October 2026.
Before you compare
A secured loan and an unsecured loan are different agreements. A fixed rate and a rate linked to prime are different prices. The National Credit Act does not cover every business facility in the same way. No interest rate is printed, because the published notes record quotes rather than a checked tariff.
A limited company does not remove a director's liability under a valid personal suretyship. Security over a business asset and a personal undertaking are different promises.
Compare providers
The provider name links to the WiT Money profile. The gold button opens the recorded website. It is not an application.
10 of 10 products, in provider name order. A missing price is not shown as zero, and nothing is ranked as cheapest.
- Amount
- Quote required
- Term
- 3–120 months shown
- Pricing
- Personalised; confirm all fees
Eligibility. Credit approval and documentation
Security. Personal surety; possible collateral
Advantages
- Wide term range
- bank facilities
Considerations
- Personal liability/security possible
Notes checked 28 October 2026. Confirm the amount, the price and any surety with the provider. No National Credit Regulator number is shown on this card. A loan described as unsecured can still ask for personal surety.
- Amount
- R20 000–R10 million advertised facility
- Term
- 1–24 months advertised facility
- Pricing
- Quoted fixed finance cost per draw
Eligibility. Business performance assessment
Security. Confirm guarantee and contractual security
Advantages
- Draw facility
- early settlement discounts advertised
Considerations
- Fixed fees require annualised cost comparison
Notes checked 28 October 2026. Confirm the amount, the price and any surety with the provider. No National Credit Regulator number is shown on this card. A loan described as unsecured can still ask for personal surety.
- Amount
- R250 000–R750 000 advertised
- Term
- Up to 18 months advertised
- Pricing
- Risk-based quote
Eligibility. Viable SME and due diligence
Security. Confirm collateral and surety
Advantages
- Specialist SME focus
- structured finance
Considerations
- Higher entry amount
Notes checked 28 October 2026. Confirm the amount, the price and any surety with the provider. No National Credit Regulator number is shown on this card. A loan described as unsecured can still ask for personal surety.
A product page was not checked. Confirm whether this offer is open.
- Amount
- Quote required
- Term
- Quote required
- Pricing
- Quoted interest and fees
Eligibility. Credit assessment
Security. Check security
Advantages
- Business banking ecosystem
Considerations
- Product-specific availability unverified
Notes checked 28 October 2026. Confirm the amount, the price and any surety with the provider. No National Credit Regulator number is shown on this card. A loan described as unsecured can still ask for personal surety.
A product page was not checked. Confirm whether this offer is open.
- Amount
- Quote required
- Term
- Quote required
- Pricing
- Quoted interest and fees
Eligibility. Bank assessment
Security. Confirm guarantees and security
Advantages
- Integrated business banking
Considerations
- Product eligibility and pricing need confirmation
Notes checked 28 October 2026. Confirm the amount, the price and any surety with the provider. No National Credit Regulator number is shown on this card. A loan described as unsecured can still ask for personal surety.
- Amount
- R1 million–R1 billion advertised range
- Term
- Project dependent
- Pricing
- Negotiated
Eligibility. Sector and project assessment
Security. Equity, guarantees/security possible
Advantages
- Developmental mandate
- larger projects
Considerations
- Extensive paperwork
- not micro-lending
Notes checked 28 October 2026. Confirm the amount, the price and any surety with the provider. No National Credit Regulator number is shown on this card. A loan described as unsecured can still ask for personal surety.
- Amount
- Up to R5 million advertised
- Term
- 3, 6, 9 or 12 months
- Pricing
- Personalised quote
Eligibility. Trading history/revenue assessment
Security. Check guarantees
Advantages
- Predictable schedule
- online application
Considerations
- May not suit new businesses
Notes checked 28 October 2026. Confirm the amount, the price and any surety with the provider. No National Credit Regulator number is shown on this card. A loan described as unsecured can still ask for personal surety.
Confirm the current product page with the provider.
The button uses the public homepage.
- Amount
- Quote required
- Term
- Quote required
- Pricing
- Quoted rate and fees
Eligibility. Business income and credit approval
Security. Potential surety/security
Advantages
- Multiple financing products
Considerations
- Pricing not standardised
Notes checked 28 October 2026. Confirm the amount, the price and any surety with the provider. No National Credit Regulator number is shown on this card. A loan described as unsecured can still ask for personal surety.
- Amount
- R1m–R75m general range advertised
- Term
- Negotiated
- Pricing
- Risk-based quote
Eligibility. Established SMEs; sector focus
Security. Collateral may be required
Advantages
- Bespoke funding
Considerations
- High minimum
- suitability limited
Notes checked 28 October 2026. Confirm the amount, the price and any surety with the provider. No National Credit Regulator number is shown on this card. A loan described as unsecured can still ask for personal surety.
- Amount
- From R10 000 advertised
- Term
- Quoted repayment period
- Pricing
- Personalised interest and charges
Eligibility. Credit assessment, accounts and affordability
Security. Surety/security may be requested
Advantages
- Established bank
- structured instalments
Considerations
- Quote and security may vary
Notes checked 28 October 2026. Confirm the amount, the price and any surety with the provider. No National Credit Regulator number is shown on this card. A loan described as unsecured can still ask for personal surety.
Compare selected products
Choose up to three on this page. Prices are not ranked, because they are not the same kind of charge.
No products selected.
Estimate the cost
Type your own figures. Product cards do not fill these fields, because a published line is not a single rate you can drop into one formula.
What you may need before applying
Providers often ask for company or sole-proprietor details, bank statements, financial statements or management accounts, a cash-flow view, SARS documents, identity documents, and the invoice, order or supplier quote the funding is for. Not every provider asks for every document. The list is preparation, not a decision that you qualify.
Regulation
The National Credit Act does not apply to every business facility in the same way. A juristic person, the size of the facility and the type of agreement can change the position. No NCR number is printed on these cards. A marketplace is not the lender. FSCA authorisation, where a firm has it for another activity, is not shown here as permission to advance this facility.
How WiT Money compares these products
Each page keeps its own products. An invoice fee, an overdraft rate, a merchant factor and a term-loan instalment are not sorted against one another. Nothing is ranked as the cheapest or the easiest approval. A listed name is not a recommendation.
Other funding pages
Sources
Page updated 28 October 2026. A source date is the day WiT Money checked that page, not a promise the institution has not changed it since.
- National Credit Regulator
National Credit Regulator · checked 28 October 2026
- Financial Sector Conduct Authority
Financial Sector Conduct Authority · checked 28 October 2026