Meet Opportunity. Meet Lula.
Say hello to SA's first dedicated SME banking platform. From day-to-day banking, to managing your cash flow, and fast access to funding. So you can make, cash, flow.
Get Started
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.Â
- Your bank account comes with Lulaflow our powerful cash flow manager that gives you the data to make better business decisions.
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.
First repayment
Second repayment
Total repayment
Months | Capital payment | Cost | Payment due p/m |
---|---|---|---|
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 |
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.
Trusted by business owners like you.
Keep in touch 🙌
Sign up for tips, insights & inspiring stories to help grow your business.
By signing up, you consent to the processing of your personal information for the purpose of direct marketing by means of electronic communications.