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Lulalend is now Lula. We have a new name, a new look, but we're still your friends in funding 😃.

Business loan.

Apply online in minutes and get funded fast. No collateral.

Get the funding you need to grow your business

    Enter promocode LULA when applying. Offer applies to first-time advances only

    What are alternative business loans and finance?

    At Lulalend, we’ve designed business loans for SMEs like you. And with our credit facility, you can have instant access to a line of revolving credit without needing to reapply. It’s the easiest way to get R5 million.

    Unsecured business loans at Lula

    Banks have stringent minimum requirements to qualify for business loans. You’ll need physical collateral, significant amounts of minimum revenue, volumes of documents, and longer trading history. This is the opportunity spotted by alternative funders like us.

    How do you qualify for an unsecured business loan?

    With Lulalend, you don’t need collateral and the only minimum requirements we have are:

    • You’ve been trading for one year
    • Your annual turnover is R1 million

    What’s a good credit score to get a business loan?

    Typically, between 640 to 700 is a good personal credit score. But your personal credit score is different from your business credit score. If you’re applying for a business loan, your personal credit score is one of several data points lenders consider when defining your risk.

    Our tech, your advantage.

    We don’t rely too heavily on credit scores to assess your application. We use scoring technology that does a real-time assessment of your business, enabling us to make an accurate judgement and get you the best funding deal. And with our credit facility, you can have instant access to a line of revolving credit without needing to reapply.

    Apply now

    How do you apply for Lulalend bridging finance?

    1. Complete your online application form

    2. Choose how much funding you will need

    3. Get approved in 24 hours

      Get started

    What will you pay?

    Use our business funding calculator to work out how much you need and what it’ll cost to repay over 3, 6, 9 or 12 months. Or repay early and save. Simple.

    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
    6 months

    First repayment


    Second repayment


    Total repayment

    No additional costs
    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

    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.

    CTA funding background image

    Get back to growing your business and let Lula take care of the funding.

    Apply today with absolutely no commitment and access up to R5,000,000

    Get started


    To get a business loan, first determine the purpose of the business loan – do you need funds to purchase equipment or cover seasonal cash flow gaps? Next, decide on which type of loan is right for your business – do you need a once-off loan or would a revolving loan be better?

    Next, list the lenders that offer the type of business loan you need and check out their min requirements to see if you qualify.

    Our business funding application takes place online. Click Here, then simply follow the steps and fill in the information required. You will also need to supply some recent financial information.

    To receive funding from Lula your business will need to have been trading for at least one year, and have an annual turnover of approximately R500,000.

    At Lula we offer a Free Business Bank Account tailor made to help early stage SMEs and Start-ups build up a healthy financial track record, so that after a period of time they will successfully be able to apply for funding.

    Provided we have all the necessary information, the assessment and allocation of funds can take place within 24 hours. To speed up the approval process, we recommend Linking Your Online Business Bank Account, which allows us to see your bank transactions in read-only format.

    Our Lulalend Capital Advance is easy to work with and it all starts with an easy online application that takes  minutes. No paperwork needed.

    Transparent costs allow you to plan your business with certainty.

    You can repay early to save and there are no early repayment penalties, so you can settle up without a worry.

    Access to your funds is fast, because we understand that you mean business (as in today).

    Apply for a Lulalend Capital Advance online by filling in your info and linking your bank account to securely share your read-only transaction data with us, it’s the fastest, easiest way to get funding.

    Get A Quote – Your application is assessed in minutes and we’ll send you a commitment-free quote.

    Get Funding – If you’re happy, accept your quote and we’ll transfer the funds into your chosen Business Bank Account.

    Apply online in minutes. Tell us how much funding you’re looking for and fill in some basic info.

    Upload your recent bank statements or link your bank account to share your read-only transaction data and you’re done. Our security is top-notch to keep your info safe.

    An unsecured business loan is a type of loan that does not require the borrower to provide any collateral or security against the loan amount. In other words, the loan is not backed by any asset or property of the borrower. Instead, the lender evaluates the borrower’s creditworthiness and financial history to determine the risk of lending money to the business. Unsecured loans are typically offered at higher interest rates compared to secured loans, as they carry a higher risk for the lender.

    Trusted by business owners like you.

    Phaedon Gourtsoyannis
    Having easy access to cash is probably one of the most important things, that’s where Lula comes in.
    Willem Haarhof
    The biggest challenge we face is access to cash. What Lula has enabled me to do is take that worry about cash flow away.
    Jerome Roberts
    Lula makes it easier for SMEs to access funding when they need it most.
    Jennifer Classen
    I see Lula as a financial partner, and because I have this partner, I don't need to worry about cashflow.

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