Trade Capital | Buy Now, Pay Later Facility

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.

FAQs

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:

Companies trading for less than 1 year
Turnover is less than R40,000 per month
Non-South African companies
NPOs / PBOs
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.

      GOOD  
   Based on 144 reviews 
    
 
 
 
   
 
 
      Posted on Google  
  
 
   Peace Nelson 
 April 16, 2026
 
 
  
  
 
     Posted on Google  
  
 
   Ndabenhle Nqobizinto 
 August 21, 2025
 
 
  I love their banking services it's efficient and easy to use.
  
 
     Posted on Google  
  
 
   CAT 
 July 7, 2025
 
 
  
  
 
     Posted on Google  
  
 
   Luse Chrislain Kanyinda 
 June 10, 2025
 
 
  Lula is very supportive when it comes to business financial assistance, my business was helped in less than 24 hours, I really receommend Lula. just supply all required docs and that's it.
  
 
     Posted on Google  
  
 
   John & Komien Groenewald 
 May 19, 2025
 
 
  Quick and professional service

With Lula there is a certain amount of trust that they place in you. They have faith in you.

I love the trust element between myself and Lula – knowing that I'm going to get my cash as soon as I put in my request.

The great thing is that the whole transaction was done in 5 minutes. Lula understands my business.

What we liked about Lula is that the process for application was extremely easy. Within a couple of hours, we were approved.

The biggest challenge we face is access to cash. What Lula has enabled me to do is take that worry about cash flow away.

Having easy access to cash is probably one of the most important things, that’s where Lula comes in.

Lula has enabled me to expand my product offering, buy equipment and, as a result, create jobs in my community.

Get all the rewards. Take none of the risks.

How Lulapay works.

How Lulapay works for you as a supplier.

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.

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.

FAQs

Trusted by business owners like you.

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