Small Business Finance


Zande is a platform that allows small retailers to apply for credit and make payments.

Spaza Credit is a form of inventory finance that assist Spaza shops in procuring of stock. The credit options will ensure that you have a streamlined flow of inventory and help you maintain a positive cash flow.


  • Your Location
  • Purchase history from current suppliers
  • Shop turnover
  • Copy of your I.D

Zande uses USSD tech to allow spaza owners to apply for credit and make payments using a simple feature phone.

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Business funding of R20,000 to R2,000,000. Provides:

  1. Bridging finance Credit facility
  2. Equipment financing
  3. Inventory financing
  4. Offer trade credit
  5. Refinancing

Business Fuel

Business Fuel assists the SME market with professional business loans of up to R3 million approved within days and with very little effort needed from you.


Your one-stop funding shop. SMEgo bridges the gap by providing access to business funding, simplifying the application process and providing a portal for support.

Retail Capital

Retail Capital offers funding for small businesses with flexible payment structures that are tailored to your business turnover. Retail Capital also offers flexible Asset Finance solutions from 12 to up to 60 months, so you can get the assets you need without compromising your cash flow.

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Bright on Capital

Bright On Capital is an online peer-to-peer lender that provides affordable working capital funding to emerging small supplier businesses with sustainable growth prospects.

Small companies that have been trading for at least 12 months, who are supplying one or more corporates or credit-worthy public entities, and are expecting to generate at least R1 million in annual revenues. Small businesses can access revolving working capital facilities of up to R1 million to execute on procurement opportunities sourced from these large qualifying entities.

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ProfitShare Partners 

ProfitShare Partners provides a disruptive solution to businesses, particularly SMMEs, with credible transactions, but who are unable to access capital or funding because they lack the financial history and security that are normally required by lending institutions.

SMMEs with no track record, financial history or security with low performance, short-term agreements (up to 365 days) or purchase orders with large reputable organisations may apply.

ProfitShare Partners provides a minimum of R250,000 up to R5 million per transaction.

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Express Business Capital

EBC is based on a simple premise that the longer you can trade, the more you’ll generate turnover. They are willing to support SMMEs through regular small transactions, or less frequent, larger sales, as long as your business has shown that it has a reliable income stream.

SMEs with a history of 6 months of trading or more and have regular transactions and a monthly turnover of R150 000 qualifies.

Minimum of R50,000 up to R2 million per transaction.

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Spartan SME Finance

Spartan is a financing company that supports SMEs by providing Working Capital Finance, Specialised Asset Finance and Growth Finance to SMEs.

Qualifying Criteria

  • minimum finance amount from R1M up to R25M
  • you are a small to mid-sized business [SME] in operation for 3 or more years
  • with a minimum annual turnover of R10M, or
  • alternatively with an annual turnover between R5M – R10M, provided there is some current growth context [for example a contract, project or acquisition]

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