Business lenders in South Africa, side by side.
What each product on Frank’s panel asks of a business before it will lend: turnover, time trading, security, credit record and the documents to have ready. These are the same published rules Frank checks your answers against.
11 products from 5 lenders · Figures last updated 19 September 2026
| Lender and product | Min. turnover | Min. trading | Amount | Security | Card sales | Credit record | Documents | Rate |
|---|---|---|---|---|---|---|---|---|
| Bridgement Revenue Advance Facility Revenue-based | R100k a month | 6 months | Not published | None | Not needed | Clean record | 3 months’ bank statements | 2–5% a month |
| Geddes Capital Bridging Finance Bridging finance | R167k a month | 12 months | R500k to R15m | Required | Not needed | Some adverse credit considered | 6 months’ bank statements, financial statements | 1.5–3% a month |
| Geddes Capital Business Rescue Finance Term loan | R167k a month | 12 months | R500k to R15m | Required | Not needed | Some adverse credit considered | 6 months’ bank statements, financial statements | Case by case |
| Geddes Capital Crypto-Backed Loan Term loan | R167k a month | 12 months | R500k to R15m | Required | Not needed | Some adverse credit considered | 6 months’ bank statements, financial statements | From prime + 2% |
| Geddes Capital Invoice Factoring Invoice finance | R167k a month | 12 months | R200k to R15m | None | Not needed | Some adverse credit considered | 6 months’ bank statements, financial statements | 1.5–3% a month |
| Geddes Capital Secured Business Loan Term loan | R167k a month | 12 months | R500k to R15m | Required | Not needed | Some adverse credit considered | 6 months’ bank statements, financial statements | From prime + 2% |
| Geddes Capital Trade Finance Trade finance | R167k a month | 12 months | R500k to R15m | Required | Not needed | Some adverse credit considered | 6 months’ bank statements, financial statements | 2–4% a month |
| Lula Cash Flow Facility Line of credit | R40k a month | 12 months | R10k to R5m | None | Not needed | Clean record | 3 months’ bank statements | 2–6% a month |
| Merchant Capital Merchant Cash Advance (MCA) Revenue-based | R50k a month | 8 months | R30k to R5m | None | Needed | Clean record | 6 months’ bank statements | Factor rate 1.08–1.15 |
| Merchant Capital WELL by Merchant Capital Revenue-based | R50k a month | 8 months | R30k to R5m | None | Not needed | Clean record | 6 months’ bank statements | Factor rate 1.08–1.15 |
| Pollen Finance Unsecured Business Loan Term loan | R83k a month | 12 months | R100k to R6m | None | Not needed | Some adverse credit considered | 6 months’ bank statements | Flat fee |
- Bridgement
Revenue Advance Facility · Revenue-based
- Min. turnover
- R100k a month
- Min. trading
- 6 months
- Amount
- Not published
- Term
- 3 to 9 months
- Security
- None
- Card sales
- Not needed
- Credit record
- Clean record
- Documents
- 3 months’ bank statements
- Rate
- 2–5% a month
- Speed
- 24 hours
- Geddes Capital
Bridging Finance · Bridging finance
- Min. turnover
- R167k a month
- Min. trading
- 12 months
- Amount
- R500k to R15m
- Term
- 3 to 12 months
- Security
- Required
- Card sales
- Not needed
- Credit record
- Some adverse credit considered
- Documents
- 6 months’ bank statements, financial statements
- Rate
- 1.5–3% a month
- Speed
- 1 week
- Geddes Capital
Business Rescue Finance · Term loan
- Min. turnover
- R167k a month
- Min. trading
- 12 months
- Amount
- R500k to R15m
- Term
- 6 to 120 months
- Security
- Required
- Card sales
- Not needed
- Credit record
- Some adverse credit considered
- Documents
- 6 months’ bank statements, financial statements
- Rate
- Case by case
- Speed
- 1 week
- Geddes Capital
Crypto-Backed Loan · Term loan
- Min. turnover
- R167k a month
- Min. trading
- 12 months
- Amount
- R500k to R15m
- Term
- 6 to 120 months
- Security
- Required
- Card sales
- Not needed
- Credit record
- Some adverse credit considered
- Documents
- 6 months’ bank statements, financial statements
- Rate
- From prime + 2%
- Speed
- 48 hours
- Geddes Capital
Invoice Factoring · Invoice finance
- Min. turnover
- R167k a month
- Min. trading
- 12 months
- Amount
- R200k to R15m
- Term
- 12 to 120 months
- Security
- None
- Card sales
- Not needed
- Credit record
- Some adverse credit considered
- Documents
- 6 months’ bank statements, financial statements
- Rate
- 1.5–3% a month
- Speed
- 48 hours
- Geddes Capital
Secured Business Loan · Term loan
- Min. turnover
- R167k a month
- Min. trading
- 12 months
- Amount
- R500k to R15m
- Term
- 6 to 120 months
- Security
- Required
- Card sales
- Not needed
- Credit record
- Some adverse credit considered
- Documents
- 6 months’ bank statements, financial statements
- Rate
- From prime + 2%
- Speed
- 1 week
- Geddes Capital
Trade Finance · Trade finance
- Min. turnover
- R167k a month
- Min. trading
- 12 months
- Amount
- R500k to R15m
- Term
- 6 to 120 months
- Security
- Required
- Card sales
- Not needed
- Credit record
- Some adverse credit considered
- Documents
- 6 months’ bank statements, financial statements
- Rate
- 2–4% a month
- Speed
- 1 week
- Lula
Cash Flow Facility · Line of credit
- Min. turnover
- R40k a month
- Min. trading
- 12 months
- Amount
- R10k to R5m
- Term
- Not published
- Security
- None
- Card sales
- Not needed
- Credit record
- Clean record
- Documents
- 3 months’ bank statements
- Rate
- 2–6% a month
- Speed
- 24 hours
- Merchant Capital
Merchant Cash Advance (MCA) · Revenue-based
- Min. turnover
- R50k a month
- Min. trading
- 8 months
- Amount
- R30k to R5m
- Term
- 1 to 12 months
- Security
- None
- Card sales
- Needed
- Credit record
- Clean record
- Documents
- 6 months’ bank statements
- Rate
- Factor rate 1.08–1.15
- Speed
- Same day
- Merchant Capital
WELL by Merchant Capital · Revenue-based
- Min. turnover
- R50k a month
- Min. trading
- 8 months
- Amount
- R30k to R5m
- Term
- 1 to 36 months
- Security
- None
- Card sales
- Not needed
- Credit record
- Clean record
- Documents
- 6 months’ bank statements
- Rate
- Factor rate 1.08–1.15
- Speed
- Same day
- Pollen Finance
Unsecured Business Loan · Term loan
- Min. turnover
- R83k a month
- Min. trading
- 12 months
- Amount
- R100k to R6m
- Term
- 6 to 8 months
- Security
- None
- Card sales
- Not needed
- Credit record
- Some adverse credit considered
- Documents
- 6 months’ bank statements
- Rate
- Flat fee
- Speed
- 24 hours
Two lenders, head to head
How to read this table
Each figure is the lowest bar a lender publishes for that product. Meeting all of them gets you considered, not approved: the lender decides on your full application. “Not published” means the lender has not given Frank that figure, and Frank does not guess it.
Lenders are in alphabetical order, and nothing about the order is paid for. Every lender on the panel pays Frank the same referral fee, and only when a business is funded, so no lender can buy a better place here or in your results.
Questions
On Frank’s panel the lowest published minimum is R40k a month (Lula) and the highest is R167k a month (Geddes Capital). Turnover is usually the first thing a lender checks.
From 6 months (Bridgement) to 12 months (Geddes Capital, Lula and Pollen Finance), depending on the lender.
Yes. Bridgement, Geddes Capital, Lula, Merchant Capital and Pollen Finance each have a product that needs no security.
Some lenders will look at it. Geddes Capital and Pollen Finance will consider a business with some adverse credit on record; Bridgement, Lula and Merchant Capital want a clean record.
Not necessarily. These are the lowest bars each lender publishes; the lender decides on your full application. Frank checks your answers against every rule a lender has published, not only the ones in this table.
Check your business
See which of these fit your business, in about a minute.
It takes about a minute and there is no credit check. Frank checks your answers against every lender’s rules and shows you what fits and what does not. When you choose a lender, Frank sends them your application on the answers you have already given.
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