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

Say hello to our Lulalend Revolving Capital Facility.

Our Revolving Capital Facility gives you easy access to working capital and better control of your business's finances. Lula Trusted Brand

Get up to R5 million in business funding, fast.

    Apply for a fast, commitment-free quote now.

    There's a better way to fund your business.

    For a small business, fast, easy access to working capital is the difference between getting by and building a booming business.

    Heard of a revolving loan or a revolving credit facility? Well our Revolving Capital Facility works similarly, giving you a flexible line of funding in case of unexpected expenses or opportunities you can't afford to miss. Better yet, when you need more funding, applying for an increase is easy.




    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.

    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

    Here’s why you'll love our Lulalend Revolving Capital Facility:

    Icon of South African rand note.

    Instant access to capital. No need to reapply.

    Only pay for what you use, if you use it.

    No monthly account or admin fees.

    Link your bank account. No forms. Faster funds.

    How do you apply for a Lulalend Revolving Capital Facility?

    1. Apply online.

      Fill in your info and link your bank account to securely share your read-only transaction data with us, it’s the fastest, easiest way to get funding.

    2. Get a quote.

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

    3. Get funding.

      If you’re happy, accept your quote and we’ll transfer the funds into your chosen bank account.

      Get a quick quote

    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.


    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).

    Different lenders have different application processes and banks typically require more paperwork and take longer than alternative lenders like Lula. Our online application process takes just minutes. Simply supply us with basic personal and business details, as well as 3 months’ recent transactional data, which can be done quickly and securely by linking your business bank account and giving your bank 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. 

    For a small business, easy access to working capital allows you to take advantage of opportunities for growth. A business Capital Facility gives you peace of mind because you have instant access to funding.

    • Instant access to working capital when you need it.
    • Only pay for what you use, if you use it.
    • No need to reapply when you want to withdraw.
    • No monthly account or admin fees.
    • Repay on your terms or repay early and save with no early repayment penalties.

    With our account linking functionality, we’ve made it even faster to get funding. We’ve also made it easier by doing away with the need to submit your latest bank statements (transaction history).

    Instead, when you link your current bank account or accounting software you give your bank or service provider permission to share your read-only transaction data with us.

    • We don’t save or store your username or password.
    • We only see your latest transaction data.
    • You can unlink your account at any time.

    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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