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

How Lulapay works.

Never spend time collecting unpaid invoices again or worrying about the risk of offering customers terms. With Lulapay, we do it all.

Sign up online - it’s quick, easy and there’s zero commitment.

Offer BNPL and get your business customers’ invoices settled immediately into your bank account.

Your customers get up to 6-months to repay. No early repayment penalties.

No joining fees. No account fees. No monthly fees.

How Lulapay works for you as a supplier.

Get started
  • Submit your customers' invoices.

  • We assess and offer them a Lulapay facility.

  • Once they’re happy with their terms, they accept.

  • We settle your customers' invoices using their Lulapay Facilities.


How Lulapay helps your customers buy now and pay later.

Get started
  • Send us your customers' invoices

  • Your customers complete our quick once-off online application.

  • We’ll open their free Lulapay facility.

  • You share your invoices, we’ll send your customers a flexible repayment plan.

  • Your customers receive a flexible repayment schedule with up to 6 months to repay.


BNPL stands for Buy Now, Pay Later. Lulapay settles invoices upfront with suppliers while offering flexible repayment terms to buyers. 

This allows buyers to receive their product/service without having to settle their invoice upfront.

Everything, from completion of the Lulapay application to disbursement, can take place within 24 hours. However, we may require additional information and this may affect the timeline to assess an application. 

Luckily the application process is once-off. Once the application and drawdown are approved, payment is done the same day.

There are certain entities that cannot access a Lulapay Facility:

  1. Companies trading for less than 1 year
  2. Turnover is less than R40,000 per month
  3. Non-South African companies
  4. NPOs / PBOs
  5. Government entities

For a full list of prohibited industries, please see our terms and conditions.

Lulapay Facilities range from R10,000 to R5,000,000.

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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