Rating based on 43 reviews


  • Business loans up to R50,000,000
  • Low-interest starting from 32%
  • Repayment up to 7 years

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CapX homepage
Author CapX. Screenshot of CapX website.
[Accessed January 24, 2023]

About CapX

CapX is a specialist business finance provider that typically works with small to medium-sized businesses in South Africa.

They offer a range of business loans in South Africa that can be obtained quickly and without hesitation. This allows customers to act quickly when business opportunities arise and to make the most of their skills and knowledge.

They're experienced, reliable, and FAST

CapX is passionate about business and strives to help its clients achieve their goals through innovative finance products that work hard for your business. Their staff is highly experienced professionals that will go out of their way to ensure you are served quickly and effectively whether you're a new customer or an existing one.

CapX Services

They are specialists in business finance and offer invoice discounting and factoring finance that is quick, flexible, affordable, and will serve your business well.

They also offer supply chain and property finance and are proud to be on your side - working with you all the way.

Business finance from CapX

In addition to the aforementioned business finance solutions, CapX also offers business finance that is designed to give you access to quick finance to act on business opportunities as and when they arise. They understand that as an SME your business is always changing and evolving and the ability to react to these changes is paramount to your success.

CapX – Business loan

  • Loan Type Business loans
  • Interest Rate from 32%
  • Loan Amount up to R50,000,000
  • Repayment 24 months to 7 years
  • Decision 8 weeks

Benefits of CapX

  • Property finance
  • Supply chain finance
  • Property finance
  • Improved cash flow

Business loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This business loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Flexible, simple and fast business finance with CapX

They pride themselves on being able to respond and react quickly - so they will always aim to deliver your business finance solution before any deadline.

In order for them to process your request at astonishing speeds, they've become so well known that they need a complete loan application and all supporting documents to be delivered to them quickly.

Their staff - is there to hear you out

Their staff are experts in the field of high-risk business finance and are able to assist you with speed, simplicity, professionalism, and accuracy. They take into account your business's individuality and look to meet your needs by providing you with a tailored solution. Unlike large corporates that see you as merely a number in a system - they are here to hear you out.

You meet the requirements but your business loan application was declined

There could be a number of reasons that resulted in them having to decline your business loan application. It is important that they mention the fact that meeting all credit requirements doesn’t automatically guarantee immediate credit approval. There are a number of factors that they have to take into account.

The most common reason that may result in your loan being declined is the fact that your credit profile isn’t in good standing. This means your business might not performing well financially. The last thing they want to do is give you a burden of credit that you won’t be able to pay off. They wouldn’t be doing any justice to the client if they did this.

They don’t want you to change your life due to a business loan you have with CapX, they want your new advance plan to transform your enterprise for the better and not for the worse. Let the business loan work for you and not the other way around.

Implications of not paying your business loan on time

Failing to pay your business loan on time will automatically increase the credit charges on your business loan.

Customer Reviews & Testimonials

January 2019

CapX gave me a business loan that was affordable and still afforded me the opportunity of living the way that I have always wanted to live.

Relegobile K
— Taung —

February 2019

The interest rate charges at CapX were reasonable. I would recommend their business loans to anybody that is looking for a good deal.

Richard G
— Brits —

April 2019

I would like to commend the employees at CapX for showing such a great deal of dedication towards my business loan application.

Devon R
— Northern Cape —

CapX Contact

Contact Number



Physical Address

Postal Address

  • PO Box 4402, Tyger Valley, Cape Town, 7536, South Africa

Opening Hours

  • not available