Working capital finance

Make your working capital finance work for you

Working capital represents the liquidity of your business. In other words, it is the immediate cash flow available for the day-to-day running of the business. Without working capital, your operations can grind to a sudden halt. Show more

Working capital is essential to keep any successful business going. But accessing working capital finance quickly can be a problem. It can be challenging for smaller businesses and SMEs to access this type of funding from traditional lenders and banks because these institutions typically require extensive collateral or other equity.

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Access the capital you need instantly

Working capital is one of the easiest ways to harness the potential of your business and is a great solution for businesses that are small or simply in a period of low cash flow.That's why we've kept our application simple. Show more

Lulalend offers quick and easy access to working capital that can help you cover routine business expenses. Our online application takes a few minutes to complete and you'll have an answer within 24 hours.That's because we use machine learning to assess your business and determine your affordability.

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How to apply for Lulalend working capital 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 funding | Choose 3, 6, 9 or 12 month terms | Apply in minutes

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What will I pay?

We've simplified the lending process with our 6 and 12 Month Plans. Every month you pay back 1⁄6th or 1⁄12th (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.

80000
6 months
Total repayment
0
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

"In the manufacturing industry you often sit in between projects with this lull, so for us cash flow is a huge challenge. Just to get funding or capital as a small business owner is almost impossible. If it wasn't for Lulalend we would have sunk a long time ago because of the bridging gap. We had the turnover and capacity but we couldn't get from month to month on the cash flow going in and out of the company."

Testimonial image
Christiaan Servaas de Wet
Business owner at C and G Fine Art

Why Lulalend?

  • Apply in minutes
  • Transparent, flexible terms
  • Access to finance in 24-hours
  • Customer-centric service
  • Unsecured financing
  • Trusted by local SMEs
  • No long queues or extensive paperwork
  • We say yes more often
Apply now

Why Lulalend?

  • Apply in minutes
  • Transparent, flexible terms
  • Access to finance in 24-hours
  • Customer-centric service
  • Unsecured financing
  • Trusted by local SMEs
  • No long queues or extensive paperwork
  • We say yes more often
Apply now

Working capital finance FAQs

We're covering the most frequently asked Working capital finance questions we get from business owners

What is the importance of working capital?

Good working capital management means you can cover your SME’s short-term expenses. It refers to the cash you have available to fund your daily operations.

What are the sources of working capital finance?

Working capital sources include short-term sources, like loans and tax rebates. Long-term sources of working capital include retained profits and share capital.

What is the working capital formula?

You can calculate your working capital by using this formula: working capital = current assets - current liabilities. So, the working capital formula tells you how much short-term assets you have left after your short-term liabilities have been settled.

What are some examples of working capital?

There are different types of working capital. These include cash, inventory, and accounts receivable (unpaid invoices).

How does a working capital loan work?

You apply for a working capital loan from a lender. Once approved, you repay the loan according to agreed terms, like a fixed monthly installment.

How do you get a working capital loan?

Banks provide working capital loans, but many SMEs are approaching alternative lenders for working capital loans. These lenders usually provide simpler, faster application processes.

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

Apply now