Find your funding

R50 000 to R15 million

Business finance for black-owned SMEs from R50 000 up to R15 million. Purely business-based eligibility - age is not mentioned anywhere in the criteria.

R50 000 to R3 million

Short-term working capital finance against confirmed contracts or purchase orders. For any South African SME owner 18 or older - no upper age cap.

Up to R1 million (50% cost-share)

The Black Business Supplier Development Programme offers a 50/50 cost-sharing grant to help black-owned businesses improve competitiveness. No age restriction in qualifying criteria.

Amount to be confirmed

A dedicated fund for construction-sector MSMEs launched on 12 May 2026 through a partnership between SEDFA, DSBD, CIDB, and the Department of Public Works. Aimed at strengthening small and medium construction businesses.

Up to R5 000 000

Working capital advance based on your business bank account turnover. Lula connects to your bank account, assesses 3–6 months of transaction history, and advances funds within 24 hours. Repayment is a fixed daily debit - no interest rate, a single factor fee.

Up to R5 000 000

Cash advance for businesses with a card machine or POS terminal. Merchant Capital advances a lump sum repaid as a small fixed percentage of every card transaction - you pay back more when trading is good, less when it is slow.

R50 000 to R10 million

Development finance and commercial loans for Black-owned SMMEs. Targets women, rural, and township entrepreneurs - no upper age cap. The majority of the portfolio is non-youth, confirming over-35 entrepreneurs are primary beneficiaries.

Up to R2 000 000

Revenue advance for online and omnichannel merchants processing through Peach Payments. Your advance limit and repayment percentage are calculated directly from your Peach processing volume - no additional documents required for existing merchants.

Up to R5 000 000

Revenue-based advance for retail, hospitality, and service businesses. Retail Capital uses your card processing and bank statement data to advance working capital. No collateral, no business plan, no lengthy approval process.

R50 000 to R15 million

Development finance loans for small and medium enterprises and co-operatives that cannot access commercial bank credit. Covers working capital, asset finance, and bridging finance. Disbursed directly or through accredited financial intermediaries. Targets survivalist, micro, small, and medium enterprises.

R1 million grand prize

Annual pitch competition for township-based businesses. R1 million grand prize plus mentorship and banking support. Open to any entrepreneur 18 or older - no upper age cap confirmed in official criteria.

Up to R2 000 000

Revenue advance for businesses that process payments through Yoco. Yoco analyses your card turnover history and offers an advance repaid automatically as a percentage of daily sales - no fixed monthly instalment.