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Need a business loan? 

Get up to R5 million in business funding in as little as 24 hours.

  • No collateral needed. 

  • Flexible repayment options. 

  • Dedicated support from funding experts. 

By clicking ‘Get Funded Today’ you agree to be contacted.

Need a business loan? 

Get up to R5 million in business funding in as little as 24 hours.

  • No collateral needed.

  • Flexible repayment options.

  • Dedicated support from funding experts.

By clicking ‘Get Funded Today’ you agree to be contacted.

Experience the difference with Funding solutions tailored for established businesses.

"Instead of having to tick boxes, we can enter into a conversation and plan together." 

- Marie-Louise Dreyer, Anthony’s Anti-Corrosion Coatings

We've been working with SMEs like you since 2014, and we've turned our insights into two funding solutions: a Capital Facility and a Capital Advance.

Apply in minutes

Why choose our Business Class Funding Solutions?

  • Easy Application 

    Apply in minutes and get funded, fast. No hidden fees, no branch visits.

  • We say ‘yes’ more 

    We use tech to make decisions based on the real-time performance of your business.

  • Pay on your terms. 

    Repay as soon as you like and save. No early repayment penalties.

  • Trusted by SMEs.

    We’re experts in what we do and provide the highest level of security.

Does

your

business

qualify? 


Find out if you qualify

*Final approval subject to credit assessment.

Established

A South African Business with a trading history longer than 1 year.

Revenue generating

Average turnover of at least R500k a year or R40k per month.

Financially healthy

Positive average bank balance and clear personal credit score.

Does your

business qualify? 


Find out if you qualify

*Final approval subject to credit assessment.

Established

A South African Business with a trading history longer than 1 year.

Revenue generating

Average turnover of at least R500k a year or R40k per month.

Financially healthy

Positive average bank balance and clear personal credit score.

Trusted by business owners, like you. 

Trusted by business owners, like you. 

FAQs

How much does Lula's Business Funding Cost? 

Our costs are based on a fixed monthly cost, not an interest rate. The monthly cost is a percentage of the principal amount funded and is determined by the credit assessment of your business.
You only pay the monthly cost for the period of time you borrow funds, so if you repay early, you save on costs. Simple.
Use our funding calculator to get an estimated repayment schedule to see what your business funding will cost.

How do I apply? 
Our online application process takes only minutes and is paperless. Simply supply us with your basic personal and business details. We’ll also ask for 3 months’ recent transactional data, which can be provided quickly and securely by giving your business bank account permission to send us read-only data.

What is a Capital Facility? 

A Revolving Capital Facility is a line of capital you can tap into when you need business funding. When you have a Revolving Capital Facility, you can withdraw capital whenever you need it without having to reapply (subject to an ongoing credit and affordability assessment).

What are the benefits of a Revolving Capital Facility? 
It offers easy access to working capital whenever you need it, allowing you to take advantage of growth opportunities or cover any cash flow gaps. 

No need to reapply when you want to withdraw.

No hidden monthly account or admin fees.

Only pay for the funds you use.

Flexible repayment terms, including the option to repay early with no early repayment penalties.

We’re Lula. We build innovative fintech products to help SMEs make cash flow. And we partner with SA’s leading financial institutions to do it. Your Lula business card is issued by Mastercard. Your Lula business bank account is made possible by Access Bank, our alliance banking partner.

Lula Lend (Pty) Ltd, Reg Address: 3rd Floor Pier Place, Heerengracht Street, Cape Town, Reg. No. 2014/156767/07 is an authorised distribution partner of Access Bank South Africa Limited, Reg. No.: 1947/025414/06, an authorised Financial Services Provider (FSP 5865).

Terms & Conditions apply.