How to get business funding in South Africa: 3 Simple Steps

Get approved for R100k to R3M within 24 hours

Apply Online for Your Business Loan

Have your company registration number AND up to 12 month’s business bank statements ready. Click on Apply Now and complete the application form.

Fast Business Loan Assessment & Approval

Once all your supporting documentation is received, a business funding analyst is assigned to your application and we get started.

Receive Funding Within 24 Hours

We work closely with you to get your application approved and once you sign your loan agreement your funding can be in your account within 24hrs.

Why South African SMEs Choose Genfin for Business Funding

Business Loan Eligibility Requirements in South Africa

Turnover

To apply for business funding, your business needs to have a turnover greater than R1 million (R100 000 per month) over the past 12 months.

Business History

We need up to 12 months business bank statements. This helps our algorithm and proprietary tools to give you a better response on your application.

Ownership

Business ownership of, or the management structure running the business has been in place for more than 6-months.  You must also be a registered entity and have been fully operational for at least 12 months.  We unfortunately do not fund sole proprietaries, trusts, or partnerships.

Additional documents may be required depending on the value of the business funding applied for.

Required Documents for Business Loan Application

Essential Documents (All Applications)

To kick-off our quick analysis and provide you with a preliminary offer, we need up to 12 months business bank statements. No financial projections or business plans will be required.

Additional Documents (Larger Funding Amounts)

Why Choose Genfin for Business Funding in South Africa

Trusted by 3000+ South African SMEs with a 4.9★ Google Rating

Over half of our clients return for additional funding, reflecting long-term relationships built on results.

Backed by RMB and Leading Financial Partners

Access to established institutional capital enables us to structure competitive, reliable funding solutions.

24-Hour Business Loan Decisions with Secure Processing

Our streamlined digital process removes unnecessary delays to keep your application moving efficiently.

Dedicated Business Funding Analyst for Every Client

One consistent point of contact guides you through the process and keeps communication clear at every step.

Business Loan Reviews from South African Entrepreneurs

GENFIN4.8
Based on 338 reviews
Marlon Parring
2 months ago
Very Professional Team!! And enjoyed the business funding process!
Ernest Dlamini
2 months ago
I was very much impressed by the most efficient, speedy, accurate and user-friendly application process. However, the most exciting part is the high level of professionalism, care and skill displayed by all the consultants in the office especially Lindani. Well Done guys, I think my bank can learn a lot from you. Your understanding of the financial market is just outstanding. Thank you Regards Ernest Dlamini South Coast Forestry Empowerment Enterprise
Jana Roos
3 months ago
Very satisfied with their services. Well done Themba for your quick assistance.
Siddharth Bawa
3 months ago
I was pleasantly suprised how quick Genfin was to look at my application and review it thoroughly. It's the first ever business lending company that actually helped me get funding and didn't disappoint compared to well established institutes. I hope to build a long term relationship with GenFin.
paulina geldenhuys
3 months ago
Thank you for the prompt and user friendly service
Johanna Visagie
4 months ago
Genfin is die beste en uitstekend. Hulle het my nognooit in die steek gelaat nie.Waarlik kan n mens staatmaak op hulle. Diens is puik🤝
Dannie Chironga
5 months ago
Thank you Genfin for making Sort Fulfilment's application for Funding quick and smooth. Mr Mthobisi did amazing work, his follow up, updates and commitment is unmatched. As small business we are at a point where we needed this funding to scale up. We will never forget Genfin as we grow. Proud moment for small business like ours.
Roxanne du Plessis
6 months ago
The consultants are thorough, efficient and very helpful.
frank waynik
6 months ago
Business Fuel have given me fast and friendly service over the past two years it is a pleasure to work with such a professional team of workers well done Business Fuel Team
Maritza Smit
7 months ago
Quick and very helpful with the process of everything
Monre Strauss
7 months ago
Excellent and fast service
Adolf & Annemarie Joubert
7 months ago
Once again - Fast and efficient. They clearly understand the needs of SME's needing financing - and Fast!
Allen Nelson
8 months ago
I can highly recommend Genfin for any small business who is experiencing cash flow issues to apply for assistance. The process was easy, fast and efficient. Thank you Mariska at Genfin for your incredible service.
paul schluter
8 months ago
Always a pleasure to deal with GenFin. Extremely efficient.
Jubilee More
8 months ago
It is for the third time been funded by GENFIN. The process is efficient, convenient turnaround time, the team has delighting customer care, and great communication. I am always having a remarkable experience. [Very impactful business funding, which I am highly recommending] Mariska, Huibre, Carlin and the team, thank you.
Vasanth Indarpal
9 months ago
Once again , Mariska was really just very pleasant to deal with and sorted my application quickly and painlessly. Sharon and Robin were also very easy to deal with very helpful. Thanks guys . Genfin is easy to deal with and very helpful to any business.
Rikus Smith
9 months ago
The process for our business loan refinancing was seamless and completed within 7 days with the help our consultant/analyst Mariska. Thanks to the Genfin team for the great service.
Pulse Electrical Suppliers
9 months ago
quick and efficient service
Johan Roode
9 months ago
great service
Kelebogile Da-gama
9 months ago
Genfin is the best They helped me a lot in my business Funded my business twice. Once application is approved, the money was immediately in my business account.
Riaan van Wyk
10 months ago
What a bunch of awesome and professional people to deal with - especially Ruan Kotze and Lindani - your service is unparalleled
marilyn mugoma
10 months ago
excellent service and assistance from GenFin for small business - really bridging the gap to support small business - really appreciated the assistance and service - seamless application process - keep it up
SMK Israel
11 months ago
Thank you very much for being there when we need you Ncomokuhe Cythia Ezansi Trading
Ron Murray
11 months ago
Business Fuel has provided us with three loans now to help us expand and improve our preschool. They offer fast, efficient, professional and friendly service. A totally hassle free experience from start to finish. I would highly recommend them to any business in need of capital assistance
AAA Stationers
11 months ago
I am very happy with the service i got from Genfin