Need Fast Business Funding?
South African SMEs can access R50 000 to R100 million
in as little as 48 hours.
South African SMEs can access R50 000 to
R100 million in as little as 48 hours.
- Quick Approvals
- No upfront or hidden fees
- Flexible repayment options
-
South African-based and built
for local businesses
Who Qualifies for SME Business Funding?
We fund South African businesses that want to GROW NOW.
We fund South African businesses that want to
GROW NOW.
- Registered Business
Your company must be CIPC registered.
- 12 Months in Operation
You should have been actively operating for at least 12 months.
- Minimum Monthly Turnover
Your business must generate R50 000 or more per month.
- Business Bank Account
You must have a business bank account with 12 months of trading history.
About us
SMESA Finance is a proudly South African business-funding partner dedicated to helping entrepreneurs grow, scale and succeed.We fund South African businesses that are ready to take their next step, offering flexible, transparent and fast-access capital tailored to your needs.
Our solutions cover a wide range of funding options designed to support businesses across every stage of growth. Read More…
Our Business Funding Solutions
Asset & Equipment Finance
Asset & Equipment Finance helps your business acquire machinery, vehicles, tools, technology, and equipment without draining cashflow. Read More…
Invoice / Debtor Finance
Invoice or Debtor Finance unlocks the cash tied up in unpaid invoices. Instead of waiting 30–90 days for clients to pay, you access the funds immediately. Read More…
Large Growth Funding
Large Growth Funding supports established businesses looking to scale significantly. With access to funding up to R100 million, Read More…
Merchant Cash Advance
A Merchant Cash Advance gives your business funding based on future card sales. Repayments automatically adjust according to your turnover, Read More….
Short-Term Business Loans
Short-Term Business Loans offer immediate capital for urgent needs or short business cycles. Whether you’re filling a seasonal gap, Read More…
Start-Up Funding
Start-Up Funding supports early-stage entrepreneurs with high-growth potential. This solution helps new businesses acquire essential equipment, Read More….
Tender & Contract Funding
Tender & Contract Funding provides the capital you need to deliver on a tender or contract you have already secured. Read More…
Working Capital
Working Capital funding provides quick access to cash so your business can cover day-to-day operational needs. Read More…