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

Get up to R5M in fast & easy business funding.

No collateral needed, flexible repayment options, and dedicated support for your business growth. Get funded in as little as 24 hours. Lula Trusted Brand 2024

Get the funding you need to grow your business

    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.

    Icon with a clock.

    1+ years

    Time in business

    R500,000+

    Annual revenue

    Icon with South African flag.

    South Africa

    Location

    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.

    r
    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

    R30,266

    Second repayment

    R28,266

    Total repayment

    0
    No additional costs
    Apply

    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

    Based on the average Lulalend Score and credit history. Your repayment plan may differ.

    • No hidden fees
    • No early repayment penalty
    Apply

    How to apply for our Revolving Capital Facility.

    1. Apply online.

      Apply online for free, it’s fast and easy. We just need some basic info about you and your business. Prefer to chat? Call us on 087 250 0014 and let’s get started on your application.

    2. Get a quote.

      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.

    3. Get funded.

      When you apply for our Revolving Capital Facility, you get a pre-approved line of business funding of up to R5 million that's there when you need it, and best of all has zero fees when you don't.

      Get started

    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.

    FAQs

    A Revolving Capital Facility is a line of capital you can tap into when you need business funding. When you have a Revolving Capital Facility, you can withdraw capital whenever you need it without having to reapply (subject to an ongoing 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.

    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.

    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.

    Right here! No need to look anywhere else, we’re ready to help you on your funding journey, fast. Let’s make cash flow!

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    Grow your business with Lula through innovative, digital-first, banking & funding solutions.

    Let's make cash flow.

    Apply now

    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.
    Phaedon Gourtsoyannis
    Cape Coffee Beans
    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.
    Willem Haarhof
    DoughGetters Accounting™
    Jerome Roberts
    Lula makes it easier for SMEs to access funding when they need it most.
    Jerome Roberts
    SJR Printers
    Jennifer Classen
    I see Lula as a financial partner, and because I have this partner, I don't need to worry about cashflow.
    Jennifer Classen
    Ngaphaya Y2k10 Trading
    Theresa Ward and Edwina Butterworth
    What we liked about Lula is that the process for application was extremely easy. Within a couple of hours, we were approved.
    Theresa Ward and Edwina Butterworth
    Manyene Holdings
    Ghia Nadel
    Lula has enabled me to expand my product offering, buy equipment and, as a result, create jobs in my community.
    Ghia Nadel
    Tra.Dish.Nal
    Allistair Bunding
    The great thing is that the whole transaction was done in 5 minutes. Lula understands my business.
    Allistair Bunding
    Sports & Corporate

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