Short-term finance when you need it most

Business, Personal & Property Bridging Loans


Grow your business with a business loan – no security needed!

Up To R5 Million In Funding To Grow Your Established Business

In the dynamic landscape of South African business, many companies face the hurdle of capital acquisition for growth and expansion. Traditional lending methods often pose challenges, such as collateral requirements and lengthy approval processes. Unsecured business loans emerge as a beacon of hope, offering a lifeline to established businesses eager to leap forward.

Are You Hoping To Grow Your Business By:

Expanding Operations

Investing in new locations, equipment, or technology.

Increasing Inventory

Purchasing additional stock to meet customer demand or for new product lines.

Cash Flow Management

Bridging gaps in cash flow due to seasonal fluctuations or delayed payments.

Expanding Operations

Investing in new locations, equipment, or technology.

Expanding Operations

Investing in new locations, equipment, or technology.

What You Need To Know

Understanding Unsecured Business Loans

An unsecured business loan is a type of loan provided to businesses without the need for collateral, such as property or other assets. This makes them more accessible for businesses that might not have significant assets to secure a loan. These loans are typically based on the creditworthiness of the business and may come with higher interest rates compared to secured loans. They are often used for business expansion, cash flow management, or other operational needs, providing a flexible financing solution for businesses. Our business loan solution offers established businesses up to R5 million in loan capital to fund your expansion.

Benefits of Business Loans

  1. No Collateral Required: Businesses don’t need to pledge assets as security, making it ideal for those lacking significant assets.
  2. Quick Approval and Funding: These loans often have a faster approval process compared to secured loans.
  3. Flexibility: They can be used for various purposes like expansion, inventory, or cash flow.
  4. Builds Credit History: Timely repayment can help a business build a positive credit history.
  5. Less Risk to Assets: Since no collateral is involved, personal or business assets are not at direct risk in case of default.

Application Criteria

To qualify for an unsecured business loan, a business must have operated for at least 12 months and achieved a minimum of R1 million in sales. This criterion is in place to ensure that these loans are extended to businesses with a solid operational history and proven financial performance. By targeting businesses that have demonstrated success and stability, our lenders can better assess the risk and increase the likelihood of successful loan utilization, which benefits both the lender and the borrower. This approach also helps in maintaining the viability and sustainability of the loan product.


Loan amounts range from R 50 000 to R 5 million, catering to a wide spectrum of business needs. The interest rate is fixed at 25% for a 6-month term, providing clarity and predictability in financial planning.

Loan Terms & Cost Schedule

Loan Term: From 2 month to 6 months options
Minimum Loan: R 50 000
Maximum Loan: R 5 000 000
Interest: 25 % for 6 months term
Business Age: Minimum 1 year old
Business Turnover: R 1 million per annum or more
Premises: If leased, then leased for minimum of 1 year. If owned, then at least one year old

  • Minimum Term – 6 months
  • Maximum Term – 6 months
  • Minimum APR – 50 %
  • Maximum APR – 50 %

Example :

  • Loan R 100 000
  • Term 6 months
  • APR 25 %
  • Repayment R 125 000

Subject to lenders Terms and Conditions at time of quote

Frequently Asked Questions

What is an unsecured business loan?

A loan given to businesses without requiring collateral, based primarily on creditworthiness.

Who is eligible for unsecured business loans in South Africa?

Established businesses with at least 12 months of operation and R1 million in sales.

How much can I borrow with an unsecured business loan?

Loan amounts vary, often depending on the lender and the business’s financial health. But the minimum amount is R50 000 and the maximum amount is currently R5 million.

hat is the typical interest rate for these loans?

Interest rates may be higher than secured loans due to the increased risk to lenders.

How long does it take to get the loan?

Approval times can be quick, varying by lender and individual business circumstances.

Can I use the loan for any business purpose?

Generally, yes, but specific usage may depend on the lender’s terms.



This form applies to the following bridging loan categories:

Unsecured Business Loan Over ZAR 1 million

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