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Keep your fleet moving. Genfin gives logistics and transport operators fast, flexible working capital to cover fuel, maintenance and wages while you wait for clients to pay.
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 fuel, fleet upkeep, wages or the next contract.
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.
In transport and logistics, the work never slows down, but the money often does. Your trucks need diesel, a breakdown needs fixing and drivers need paying at month-end, yet the client whose load you delivered last week won’t settle for another 30, 60 or even 90 days.
That gap between doing the work and getting paid is where good operators lose momentum: turning down a route because cash is tight, or watching a vehicle stand idle waiting for a repair.
Genfin closes that gap. We provide short-term working capital designed for established South African logistics businesses, so you can cover running costs and take on the next contract without waiting on a bank.
Genfin funding is working capital, not vehicle finance. It keeps your operation running and growing and works alongside any asset finance you already have on your fleet.
We don’t just fund the logistics sector, we know it. Mark Makhubalo bought a single second-hand truck in 2016 and today runs MLM Logistics, a fleet of over 100 vehicles moving mining commodities and FMCG across South Africa. When we interviewed him about the biggest challenge facing new logistics operators, his answer was the one we hear every day:
“For 90% of them, it’s cash flow. The problem is working capital. Clients will pay 30 days after receiving the invoice, so you must carry your business for 60 days before you get the first payment. And if anything happens during that time, you’re done.”
Mark Makhubalo
Founder & CEO, MLM Logistics
That’s exactly the gap Genfin working capital is built to close – so a late-paying client never costs you a truck, a driver or a contract.
A single injection of working capital can cover the everyday costs that keep your fleet moving while helping you manage rising fuel prices, breakdowns, long client payment terms, seasonal peaks and cross-border pressures. Transport, freight, courier, distribution and warehousing businesses use Genfin funding for:
Fill the diesel tank and manage rising, unpredictable fuel prices across the fleet while you wait for client invoices to be paid.
Cover urgent repairs, servicing, tyres and parts before an unplanned breakdown leaves a truck idle or puts a contract at risk.
Pay drivers, loaders and admin staff on time, and cover the upfront fuel and labour needed for festive and month-end delivery surges.
Bridge 30-90 day terms from corporate or government clients when your operating costs are due long before their payment arrives.
Renew licences, permits, cross-border documentation and insurance, and manage tolls or border delays that tie up working cash.
Fund the fuel, labour and other upfront costs needed to take on a larger route before the first invoice is paid.
Stock up on parts, spares and operating consumables ahead of a busy delivery season or planned maintenance cycle.
Cover tolls, fines, insurance and other compliance or operating costs that cannot wait for month-end.
You need quick access to capital to keep vehicles on the road.
You want predictable monthly repayments over 6 or 12 months.
You'd rather avoid early-settlement penalties and rigid bank terms.
You value the flexibility to scale funding as your fleet and contracts grow.
Genfin funds established South African logistics and transport businesses. To apply, you’ll need:
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.
Each type of funding solves a different problem. If you’re buying a truck, asset finance is the right tool. If you need to keep the fleet you already own running and paid for, Genfin’s working capital is built for exactly that.
| Feature | Genfin working capital | Traditional bank loan | Truck / asset finance |
|---|---|---|---|
| Best for | Fuel, fleet upkeep, wages & cash-flow gaps while you wait 30-90 days to be paid | Large, planned capital projects | Buying trucks, trailers & equipment |
| Funding amount | R100,000-R3,000,000 | Varies, often with higher minimums | Tied to the asset value |
| Speed | Decision in as little as 24 hours; funds within 24 hours of signing | Weeks to months | Days to weeks |
| Repayment | Up to 12 months, predictable instalments | Fixed multi-year term | Term matched to asset, often 3-5 years |
| Early settlement | No penalties - pay less interest | Early-settlement fees common | Early-settlement fees common |
| Interest on | Only your outstanding balance | Often the full original amount | Full financed amount |
| Security | No asset purchase required | Collateral & strong credit record | The vehicle is the security |
Genfin has funded 500+ South African SMEs, including many logistics companies, and holds a 4.9 star rating across 337 Google reviews. Many of our clients return to refinance or unlock more capital as they grow.
Still have a question about applying, repayments or whether logistics funding is right for your business? Speak to a Genfin funding analyst on 0800 GENFIN (436346)
Genfin provides working capital rather than vehicle finance. It's ideal for fuel, maintenance, wages, licensing and bridging client payment gaps. Many operators use it alongside existing asset finance.
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, and once you sign your agreement, funding can be in your account within 24 hours.
Often, yes. We assess your actual trading activity rather than relying on projections, and many clients come to us after a bank has turned them down.
You can. There are no early-settlement penalties, and settling early reduces the total interest you pay.
No. You'll need your company registration number and up to 12 months of business bank statements - no formal projections required.
Yes. Bridging long client payment terms is one of the most common reasons logistics operators use Genfin, so you can cover fuel, wages and running costs while you wait to be paid.
Fast, flexible working capital for South African logistics and transport businesses. Apply in minutes and get a decision in as little as 24 hours.
Explore practical Genfin resources for managing cash flow, comparing funding options and keeping a logistics business moving.
Read Mark Makhubalo’s story of growing MLM Logistics from one truck to a fleet of over 100 vehicles.
Practical ways to protect liquidity, plan ahead and keep everyday operations moving.
See how Genfin assesses applications and gets approved businesses funded quickly.
