Finance built for business growth.
Working capital, expansion, equipment, or cash flow — funded quickly with structures that suit real South African business cycles. Fixed 5% interest rate. Up to 10-year terms. Same-day decisions available.
Business finance that understands cash flow.
Running a business means dealing with uncertainty — delayed payments, seasonal dips, sudden opportunities. Our business loans are structured to work around the way South African businesses actually operate.
We assess applications on real revenue and cash flow, not just collateral or personal credit score. If your business is generating income and has a clear plan, we can help.
- Working capital, expansion, equipment, or cash flow gap financing
- No collateral required for most loans under R500,000
- Terms from 1 to 10 years, structured around your business cycles
- Approval based on business bank statements and revenue
Four business loan types.
Whether you need short-term cash flow or long-term growth capital, we have a structure for it.
Working Capital
Day-to-day funding for stock, salaries, and operations.
Expansion Finance
Open new locations, hire staff, or scale production.
Equipment Funding
Machinery, tools, and technology for business growth.
Cash Flow Bridge
Short-term financing while waiting on outstanding invoices.
Benefits built for business owners.
Three reasons South African businesses choose NEMM for their finance.
Fixed 5% Interest
Your rate is locked for the life of the loan. No prime-rate changes. No repricing risk. Budget with certainty — month after month, year after year.
24-Hour Decisions
Submit your application and business bank statements, and receive a decision within 24 business hours. Same-day funding available on most approvals.
Revenue-Based Approval
We assess your business on real revenue and cash flow — not just collateral or personal credit. If your business is generating income, we can work with you.
Do you qualify?
Business finance is available to registered South African businesses and sole proprietors. Below are the criteria — if you meet them, you're ready to apply.
Start My Application- Registered business (CIPC) or sole proprietor
- Trading history of 6+ months
- Minimum monthly revenue from R30,000
- Valid SA ID for all directors
- 6 months of business bank statements
- Latest financial statements (if available)
- Clear business case for the loan
- Active business bank account
Four steps from application to funds.
Our business finance process is streamlined for owners who need to move quickly.
Apply Online
Complete our online application and tell us about your business and funding needs.
Upload Documents
Submit your business bank statements, financials, and directors' IDs through our secure portal.
Get Approved
Decision within 24 business hours. Same-day funding available on most approved deals.
Funds Released
Sign your agreement electronically and receive funds in your business account.
Documents to have ready.
Having these prepared will speed up your application significantly.
Company DocumentsFor the business
- CIPC registration certificate
- Directors' IDs and proof of residence
- Memorandum of Incorporation (MOI)
- Latest financial statements (2 years)
- Latest management accounts
- Business bank account details
Financial DocumentsFor assessment
- 6 months of business bank statements
- 3 months of personal bank statements
- Latest VAT returns (if registered)
- Outstanding debt schedule
- Business plan or use-of-funds memo
- Signed offer or contracts (if applicable)
Frequently asked about business loans.
Ready to fund your growth?
Apply online in minutes. Approval in 24 hours. Fixed 5% interest locked for the life of your business loan.
Explore other products
Discover the full range of NEMM lending solutions.