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 Pollen Finance
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; Pollen Finance asks for R83k.
- Pollen Finance goes up to R6m; Lula up to R5m.
- Pollen Finance will consider a business with some adverse credit; Lula wants a clean record.
Who each one fits
Pollen Finance
Typically fits: SMEs that need quick unsecured funding without putting up assets. Good for businesses with consistent cash flow that need a predictable repayment amount.
Read the full Pollen Finance 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 |
| 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 |
- 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
- 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
Questions
Neither is better for every business. On their published rules: Lula looks at businesses turning over R40k a month; Pollen Finance asks for R83k. Pollen Finance goes up to R6m; Lula up to R5m. Pollen Finance will consider a business with some adverse credit; Lula wants a clean record. 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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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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