Retail financing

Ready to grow retail business?

As a retail business owner, you're aiming to provide superior products and customer service to your clients.You need to maximise your inventory in order to drive customer traffic through your doors or e-commerce site. Show more

The need for retail capital fluctuates based on seasonality or other business changes. It can be difficult to manage an influx of sales without investing in the quality of your inventory, location and marketing efforts. You want to be able to turn around a big order or take advantage of bulk pricing – but this requires immediate cash on hand.

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The answer lies with alternative lending

Banks and other traditional lenders require extensive credit and financial documentation, and their approval process takes time. Even if you are approved, it can take days to get access to the retail finance you need. Show more

By then the opportunity to save on bulk orders or secure an agreement that helps you reduce your margins may be gone. You need a retail finance partner that understands the retail business.

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Retail finance tailored to your needs

Lulalend is unlike any small business lender you know. Our application process is fully automated and takes place online. We can provide you with retail finance of up to R5 million in 24 hours. By using state-of-the-art machine learning, we can determine the health of your business quickly – it's fast, easy and paperless. Show more

When you need retail finance to cover day-to-day expenses like investing in new technology, marketing, hiring new staff or purchasing additional inventory – we have you covered.

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How to apply for Lulalend retail finance

Apply online at Lulalend Small Business Funding - Step 1

Complete your online application

Apply online at Lulalend Small Business Funding - Step 2

Select how much you need

Apply online at Lulalend Small Business Funding - Step 3

Get approved in 24 hours

Up to R5 million line of credit | Choose 6 or 12-month terms | Apply in minutes

What will I pay?

We've simplified the lending process with our 6 and 12 Month Plans. Every month you pay back 16th or 112th (depending on which plan you choose) of the total advanced amount plus the monthly cost. Monthly Costs are 2% - 6% of your advanced amount for the first 2 or 4 months (plan dependent) and 2% for each of the remaining months. You can pay early and save.

6 months
Total repayment
No additional costs
Month Capital payment Cost * Monthly payment due
1 0 0 0
2 0 0 0
3 0 0 0
4 0 0 0
5 0 0 0
6 0 0 0
7 0 0 0
8 0 0 0
9 0 0 0
10 0 0 0
11 0 0 0
12 0 0 0
Total 0 0 0
* Based on average Lulalend Score and credit history — no hidden costs and no early repayment fees.

There's a better way to fund your business

“Lulalend not only made it possible for me to get access to the funding I needed for inventory purchases but their application process was easy and uncomplicated. It is completely online so I could do it from anywhere at any time and it took me no more than 10 minutes. A response to my application was also remarkably quick and I received the funding I needed within 24 hours – that’s unheard of with traditional lenders.”

Testimonial image
Phaedon Gourtsoyannis
Founder of Cape Coffee Beans

Retail financing FAQs

We're covering the most frequently asked Retail financing questions we get from business owners

What is retail financing?

Retail financing is capital retail business owners use to buy stock, expand premises, or drive marketing campaigns.

How do retail stores get funding?

Retail stores can get funding from loans, savings, or crowdfunding campaigns. But the type of retail financing you’ll qualify for depends on whether you have security and the age of your business.

How can I get funding fast?

Borrowing money from family and friends is one way to get easy, fast access to funding. Another option is non-bank lenders, who offer fast online applications, quick decisions and if you’re approved, you’ll get the funds within 24 hours.

How does retail finance work?

The terms and conditions of the retail finance will depend on your agreement with the lender. For instance, you might need to put down security as part of your application. This agreement will set out the monthly repayments and the term of the finance.

What can I use retail finance for?

You can use retail finance to buy stock, increase marketing, expand your premises.

How do I make repayments?

The terms of your repayments depend on the agreement you reach with the lender. Typically, you’ll pay a set installment each month.

Get approved for up to R5 million today. No fees, no commitments