Guides
Business finance
Loans, debtors and the difference between a grant and a facility you must repay.
A surety can reach the house. An invoice facility can come back if the customer does not pay. Read the recourse.
Anyone who wants a fee before they release funding is a reason to stop.
How to use this section
Read the guide, then open the comparison or calculator it links to. If a comparison has no live figures, that is deliberate. Unverified rates are not published.
Guides in this section
Business finance for South African firms
A loan, an overdraft, an invoice facility and a grant are different contracts. A loan to a company is not automatically a consumer loan under the National Credit Act. Reviewed 29 October 2026.
Read guideInvoice finance, asset finance and merchant advances
Invoice finance waits on your customer. Asset finance buys equipment. A merchant cash advance takes a share of card sales. None of them is a personal loan with a new name. Reviewed 29 October 2026.
Read guideBusiness payments, VAT and payroll
A payment gateway, a card machine and accounting software do not make the firm compliant. PAYE, UIF, the skills development levy and VAT have their own rules. Reviewed 29 October 2026.
Read guide
Calculators and comparisons
Questions readers ask
Is this advice?
No. It is general information for South African readers. Personal recommendations belong with an authorised financial services provider.
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.
- Financial Sector Conduct Authority
Financial Sector Conduct Authority · checked 28 October 2026
- National Credit Regulator
National Credit Regulator · checked 28 October 2026