Business funding
Compare Business Overdrafts in South Africa
Compare revolving business facilities. Interest, where it applies, is charged on the amount used. Access can be reviewed or withdrawn.
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
An overdraft is usually a reviewable facility on a business account. Interest, where it applies, is on the amount used. It is not permanent capital, and continued access is not guaranteed. A line of credit from a non-bank is labelled as such.
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.
6 of 6 products, in provider name order. A missing price is not shown as zero, and nothing is ranked as cheapest.
- Facility
- Limit by assessment
- Review
- Indefinite/reviewable
- Pricing
- Negotiable daily-balance interest
Eligibility. Business account and approval
Security. Principal's personal surety shown
Advantages
- Flexible cash-flow line
Considerations
- May demand full settlement
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.
- Facility
- R20k–R10m facility
- Review
- Revolving
- Pricing
- Quoted fixed finance cost per withdrawal
Eligibility. Performance assessment
Security. Check security
Advantages
- Flexible use
Considerations
- Not a bank overdraft
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.
- Facility
- Quote required
- Review
- Reviewable
- Pricing
- Quoted interest and fees
Eligibility. Business bank account
Security. Security/surety case-specific
Advantages
- Short-term liquidity
Considerations
- Pricing and approval not verified
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.
- Facility
- Up to R5m
- Review
- Revolving facility rules
- Pricing
- Interest charged on amount used (as advertised)
Eligibility. Performance assessment
Security. Check contract
Advantages
- Draw funds repeatedly
Considerations
- Not a bank overdraft
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.
- Facility
- Quote required
- Review
- Reviewable
- Pricing
- Quoted interest and facility fees
Eligibility. Business current account
Security. Security/surety may be requested
Advantages
- Integrated with account
Considerations
- Fee and conditions need validation
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.
- Facility
- From R2 000 shown
- Review
- Revolving and reviewable
- Pricing
- Personalised interest on used balance; fees
Eligibility. Business current account and approval
Security. Possible guarantees
Advantages
- Pay interest on utilisation
Considerations
- Callable/reviewable and may fluctuate
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.
Not shown as a current facility
- Capitec Business. Overdraft / Credit Facility (verify). Confirm with the provider before treating it as available.
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