Lula
Typically fits: Established small businesses that need quick access to working capital. Particularly good for businesses that use cloud accounting software like Xero or Sage, as this speeds up the assessment.
Read the full Lula reviewLula vs Bridgement
Two lenders on Frank’s panel, set against each other on the rules each one publishes. Which fits depends on your business, so this is what each asks for.
Figures last updated 19 September 2026
Where they differ
- Lula looks at businesses turning over R40k a month; Bridgement asks for R100k.
- Bridgement looks at businesses trading for 6 months; Lula asks for 12.
Who each one fits
Bridgement
Typically fits: Small businesses that need flexible, on-demand access to capital. Good for managing cash flow gaps, seasonal stock purchases, or bridging payment terms with suppliers.
Read the full Bridgement reviewSide by side
| Lender and product | Min. turnover | Min. trading | Amount | Security | Card sales | Credit record | Documents | Rate |
|---|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
- 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
- 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
Questions
Neither is better for every business. On their published rules: Lula looks at businesses turning over R40k a month; Bridgement asks for R100k. Bridgement looks at businesses trading for 6 months; Lula asks for 12. Frank checks your business against both, and the rest of the panel, in about a minute.
No. You are never charged for using Frank. If you are funded, the lender pays Frank a referral fee, and the fee is the same whichever lender you choose, so it never changes the rate you are offered.
Other comparisons
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