Approved to funded in 2 hours.

Get even faster access to up to R5M in business funding with a Lula business bank account. Lula Trusted Brand

Get the funding you need to grow your business

Say hello to our Revolving Capital Facility.

Apply now and get up to R5M in funding that’s available when you need it, with zero fees when you don’t. Fast and easy application.

No paperwork. No collateral. No hidden costs.

What will you pay?

Use our business funding calculator to work out what your repayments will be over 3, 6, 9 or 12 months - or repay early and 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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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

Why us?

Easy application.

Apply in minutes and get funded, fast. No paperwork, no hidden fees, no branch visits.

We say ‘yes’ more.

We use tech to make decisions based on the real-time performance of your business.

Pay on your terms.

Repay as soon as you like and save. No early repayment penalties.

Trusted by SMEs.

We’re experts in what we do and provide the highest level of security.

How to get access to Business Funding faster than ever.

Apply online.

Apply for your business funding in minutes. We just need some basic info about you and your business. Our Funding Specialists will assist you with the opening of a Lula Business Bank Account. Prefer to chat? Call us on 087 250 0014 and let’s get started on your application.
Get approved.

If approved, we’ll send you a quote in minutes. No paperwork. No collateral. No commitment. Our costs are transparent and easy to understand so you’ll know exactly how much needs to be repaid.
Funds available in 2 hours.

Once you've accepted your funding offer and opened a Lula Business Bank Account, the funds will be available in your Lula account within 2 hours (applies to applications approved before 5 pm Mon-Fri).
Get started

Simple. Powerful. Affordable.

Lula's Free Business Bank Account is a pay-as-you-transact banking account that comes with all the bells and whistles to help you work smarter, not harder.

Earn 1.5% interest on your balance.
Fast and responsive support from real humans who care.
Free physical card + virtual cards with unlimited free swipes.
Lulaflow, a powerful cash flow manager that lets you track and manage your finances in one place.
Fast, easy access to business funding.

Open an account

Here's what it'll cost you.

👌 Zero

That’s your monthly account fee.

R0 - that’s the cost of your first Bank Card (delivered to your door).
R0 - that’s the cost to swipe your card both here and abroad.
R0 - that's the cost to transfer cash between your accounts.
R0 - that's the cost to send/receive payment notifications.
R3 - that’s the cost to make an EFT.

FAQs

It offers easy access to working capital whenever you need it, allowing you to take advantage of growth opportunities or cover any cash flow gaps.

No need to reapply when you want to withdraw.
No hidden monthly account or admin fees.
Only pay for the funds you use.
Flexible repayment terms, including the option to repay early with no early repayment penalties.

Capital facilities let SMEs – that’s you – access capital up to an agreed limit whenever they want, without having to reapply each time. The lender – that’s us – agrees to make a line of capital available to you. All you need to do is repay the credit over the agreed term.

Lula is a responsible lender, so your ability to withdraw from your capital facility is always subject to a credit and affordability assessment.

Our online application process takes only minutes and is paperless. Simply supply us with your basic personal and business details. We’ll also ask for 3 months’ recent transactional data, which can be provided quickly and securely by giving your business bank account permission to send us read-only data.

Lula’s Free Business Account is a pay-as-you-transact banking account that comes with all the bells and whistles to help you work smarter, not harder.

This account is best suited to freelancers, start-ups, and entrepreneurs. You will earn 1.5% interest p.a on the balance of your free business account at Lula, get support from real humans who care, and receive a free physical card in addition to being able to set up virtual cards with unlimited free swipes.

Lula’s Unlimited Business Account is best suited to growing and more established small businesses and gives you access to funding when you need it fast. All your EFTs are free; we will provide you with the data to make brilliant business decisions.

You’ll also gain access to Lulaflow, a powerful cash flow manager that lets you track and manage your finances in one place.

Easy! You can apply for a Lula card and business account in only minutes and completely online.

Whether you’re a sole prop or own a private company, it’s quick and simple to open your account. There are no branch visits. No queues. It’s a simple and fast online process.

You’ll just be asked to Scan your ID document and upload your proof of address and business registration docs to register

Not at all. You don’t have to open a Lula bank account for fast access to funding – if you prefer to get paid into another bank account, we’ll still have the funds available to you within 24hrs of accepting our offer.