- Call 0800 GENFIN (436346)
Get the working capital your business needs, when you need it. Genfin gives established South African SMEs fast, flexible short-term funding to cover cash-flow gaps, stock, wages and growth – without the wait, red tape or rigid bank terms.
Trusted by 500+ SMEs
South African businesses funded
4.9★ rating on Google
Across 337 customer reviews
Funding SMEs since 2016
Established South African experience
Institutionally backed
By RMB & leading financial partners
Access working capital for cash-flow gaps, stock, wages or the next growth opportunity.
Once approved and signed, funds can be in your business account within 24 hours.
Settle early without penalties and only pay interest on the outstanding balance.
Running a business in South Africa means covering costs today for revenue that may only land weeks or months from now.
Stock has to be paid for before it sells. Wages and suppliers cannot wait. A big new order needs cash up front, long before the invoice is settled. When a client stretches payment to 30, 60 or 90 days, the pressure lands squarely on your cash flow.
A short-term business loan closes that gap. Instead of borrowing for years, you take on funding for a defined 6 or 12-month period to solve a specific, near-term need, then pay it off and move on.
That is exactly what Genfin does: short-term working capital for established South African businesses, with a decision in as little as 24 hours and funds available within 24 hours of signing.
We don’t just talk about backing South African SMEs, our clients tell the story for us. Many come to Genfin after a bank has turned them down, and stay to refinance and grow.
What a great experience I had with funding from Genfin. I was kept in the loop at all times… Where mainstream banks declined, Genfin gave us a chance. Very happy.
Cynthia Baloyi
“The back-office service and support is so productive and focused to get a deal finalised, not to mention the excellent service and support I receive from Katlego!"
Andre van As
Use a Genfin short-tearm loan to relieve immediate cash-flow pressure or act on the opportunities in front of you – from stock, suppliers and delayed client payments to new contracts and focused growth.
Buy stock or raw materials ahead of a busy season or a large order.
Bridge 30-90 day payment terms without stalling day-to-day operations.
Pay your staff, suppliers and rent on time, every time.
Cover a breakdown, repair, tax bill or urgent replacement.
Fund the upfront spend needed before a new contract’s first payment arrives.
Invest in equipment, marketing or a focused growth push.
Smooth out seasonal or month-end cash-flow dips.
Act while an opportunity is open instead of waiting on a slow bank process.
You need quick access to capital to solve a near-term need.
You want predictable monthly repayments up to 12 months.
You would rather avoid early-settlement penalties and rigid bank terms.
You value the flexibility to scale funding as your business grows.
Genfin is designed for established South African SMEs with a proven trading track record, with no projections required because your actual trading activity tells the story.
A registered South African company – not a sole proprietor, trust or partnership.
Your business must be in operation for at least 12 months.
Your company must turnover R100,000 or more per month.
Company registration number and up to 12 months of business bank statements.
Larger amounts may require management accounts, annual financial statements and a SARS statement of account for VAT and PAYE.
Have your company registration number and up to 12 months of business bank statements ready, then complete the short application form.
Once your documents are received, a business funding analyst is assigned and gets started. No financial projections are needed.
Once you are approved and sign your loan agreement, your funding can be in your business account within 24 hours.
Apply online and, once your documents are in, a dedicated funding analyst gets to work. Sign and receive approved funding within 24 hours.
You are charged interest on your outstanding balance, not the original loan amount. The faster you pay, the less it costs.
Had a strong month? Settle early and pay less interest, with no penalty for doing so. Your cash flow, your call.
If you have surplus cash, deposit it to reduce interest and repay sooner. Need it back later? Draw it down again – no need to reapply.
No faceless call centres or being passed from person to person. From application through to funding, a dedicated funding analyst guides you through each step, keeps communication clear and remains your consistent point of contact.
Genfin is backed by established South African financial institutions, supporting reliable funding solutions for growing SMEs.
Not all short-term funding works the same way. This transparent comparison helps you decide which product is suited to the job.
| Feature | Genfin short-term loan | Traditional bank term loan | Merchant cash advance |
|---|---|---|---|
| Best for | Cash-flow gaps, stock, wages and short-term growth | Large, planned capital projects | Card-heavy retail with variable turnover |
| Funding amount | R100,000-R3,000,000 | Varies, often with higher minimums | Tied to card turnover |
| Speed | Decision in as little as 24 hours | Weeks to months | Days |
| Repayment | 6 or 12 months with predictable instalments | Fixed multi-year term | % of daily card sales until repaid |
| Early settlement | No penalties - pay less interest | Early-settlement fees are common | Little benefit to settling early |
| Interest / cost | Only on your outstanding balance | Often on the full original amount | Fixed factor rate on the full amount |
| Security | No asset purchase required | Collateral and a strong credit record | Future card sales |
Still have a question about applying, repayments or whether short-term funding is right for your business? Speak to a Genfin funding analyst on 0800 GENFIN (436346)
It is funding taken for a defined near-term period - with Genfin, 6 or 12 months - to solve a specific cash-flow or growth need and then repay. It is built to keep your business moving rather than to sit as long-term debt.
Funding ranges from R100,000 to R3,000,000, structured over 6 or 12 months depending on your turnover and trading history.
You can receive a decision in as little as 24 hours. Once you sign your agreement, funding can be in your account within 24 hours.
Often, yes. Genfin assesses your actual trading activity rather than relying only on projections, and many clients come to us after being turned down by a bank.
You can settle early without a penalty. Because interest is charged only on the outstanding balance, settling early can reduce the total interest you pay.
Registered South African companies trading for at least 12 months with turnover of R100,000 or more per month. Genfin does not currently fund sole proprietors, trusts or partnerships.
No. You will need your company registration number and up to 12 months of business bank statements, but no formal projections or business plan are required.
Genfin working capital is unsecured and does not require you to pledge assets, so it can sit alongside facilities such as asset or vehicle finance rather than competing with them.
Fast, flexible short-term business loans for established South African SMEs. Apply in minutes or speak to an experienced funding analyst about keeping your business moving.
Explore our practical guides to managing cash flow, comparing funding options and understanding how Genfin business funding works.
Practical ways to protect liquidity, plan ahead and keep everyday operations moving.
Understand the funding landscape and find the right route for your growing business.
See how Genfin assesses applications and gets approved businesses funded quickly.
