Working capital finance for SA small businesses.

Capital upfront, repaid as a fixed percentage of your daily or monthly revenue until the full amount plus the lender’s fee is settled. Quiet months mean smaller repayments; busy months mean faster payoff. In SA this usually shows up as a merchant cash advance against card turnover, or an advance against total monthly revenue.

It tends to fit when you have steady card or EFT revenue the lender can read in your statements; seasonality makes fixed monthly instalments painful; you want the repayment to flex with sales rather than sit on the 1st of each month.

Speeds vary by lender, from same day to a few weeks. Each lender above shows its typical speed; your own application can move faster or slower depending on the documents you have ready.

Yes, by the time you’re funded. Every lender on Frank’s panel requires the business to be registered in South Africa, but you can register with CIPC while you apply, so Frank still shows you your matches. Each lender also sets its own minimum trading history.

No. You are never charged for using Frank. If you are funded, the lender pays Frank a referral fee. The fee is the same whichever lender you choose, so it never changes the rate or terms you are offered.

No. Frank is not a registered financial services provider and does not give financial advice as defined in the FAIS Act. It explains funding products and introduces you to lenders; any credit agreement is directly between you and the lender.