Fast,
simple business funding

Apply for up to R5 million and receive your funds in as little as 24 hours. It's fast, simple, Lula.

Up to R5 million in business funding, fast.

We've been working with SMEs like you since 2014 and we've turned our insights into two funding solutions, a Lulalend Revolving Capital Facility and a Lulalend Capital Advance.

Lula business funding restaurant funding

Revolving Capital Facility

Flexible funding that gives you fast, easy access to working capital when you need it. Our Revolving Capital Facility works just like a revolving loan, but better. No monthly account or admin fees. Only pay for what you use, if you use it.

Get a quick quote

Capital Advance

Fixed funding that gives you a crystal clear repayment period. Our Capital Advance is a once-off lump sum that gets repaid over 3, 6, 9 or 12 months. Fixed terms. Fixed fees. No early repayment penalties.

Get a quick quote

Do you qualify?

We’re here to empower every SME (that’s you) to succeed, so we keep our minimum qualifications less intensive than the banks.

1+ years

Time in business

R500,000+

Annual revenue

South Africa

Location

So how much business funding do you need?

Play around with our business funding calculator to see our simple, straight-up costs and don't forget, if you repay early, you save.

How much do you need?

Enter an amount rounded to the nearest R10,000

Please enter an amount between R10,000 and R5,000,000. The amount should be rounded to R10,000

R10,000 R5,000,000

For how long?

3 months

6 months

9 months

12 months

First repayment

R30,266

Second repayment

R28,266

Total repayment

No additional costs

Months	Capital payment	Cost	Payment due p/m
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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

Say hello to Lulapay, our answer to trade credit.

No one likes to wait - especially to get paid. With Lulapay, you get paid instantly while your customers get up to 6 months to pay.

Get paid instantly while your customers get terms.

Sign up online – it’s quick, easy and there’s zero commitment.
Get paid the second your customer’s funding is approved.
Your customers get up to 6-months to pay.

Find out more

SME Banking made fast, easy, Lula.

When we built Lula, we didn’t just create a business banking account, we built a better way to run your business.

We’re fully digital and open to all. Any business can open an account in minutes. No branch visits. No queues.
You can get even faster, easier access to business funding.
We’re all about real help from humans who care. We’ll never force you to speak to a robot and our response times are fast.
Your bank account comes with Lulaflow our powerful cash flow manager that gives you the data to make better business decisions.

Want to know more?

Trusted by business owners like you.

What we liked about Lula is that the process for application was extremely easy. Within a couple of hours, we were approved.

The great thing is that the whole transaction was done in 5 minutes. Lula understands my business.

Lula has enabled me to expand my product offering, buy equipment and, as a result, create jobs in my community.

Having easy access to cash is probably one of the most important things, that’s where Lula comes in.

The biggest challenge we face is access to cash. What Lula has enabled me to do is take that worry about cash flow away.

Keep in touch 🙌

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Fast, simple business funding