Rating based on 18 reviews

Cash Flow Capital

  • Business loans up to R1,000,000
  • Low-interest starting from 32%
  • Repayment up to 60 months

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Author Cash Flow Capital. Screenshot of Cash Flow Capital website.
[Accessed January 24, 2023]

About Cash Flow Capital

They are a reliable provider of flexible business loans that take into account your needs and financial status as a unique entity.

They don’t believe in the "one size fits all" rule and are especially skilled in offering support and finance to non-traditional businesses that don't fit the mould.

Getting to know you and developing a relationship

At Cash Flow Capital they believe that developing long-term, sustainable, and mutually beneficial relationships with their customers is what truly sets them apart from otheir competitors. They take the time to get to know you and to understand your business and its needs before tailoring a business loan in South Africa just for you.

Cash Flow Capital Services

They offer affordable business finance to small, medium, and large South African businesses that are tailored to your business turnover.

This means that they do not offer a fixed loan term but will have you repay your loan via a direct debit order which will take a percentage of your daily turnover.

You can use a cash-flow capital loan for

They do not place restrictions on what you can use your business loan for - be it an expansion, to purchase stock or new equipment, or for working capital their unique products are designed to be flexible enough to cover a range of purposes. Their fast-approval online loans range from R50 000 to R1 million and over.

Cash Flow Capital – Business loan

  • Loan Type Business loans
  • Interest Rate from 32%
  • Loan Amount up to R1,000,000
  • Repayment 160 days to 60 months
  • Decision 5 minutes

Benefits of Cash Flow Capital

  • Apply within 5 minutes
  • Apply in 3 easy steps
  • Business finance for small businesses

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.

Get your tailored business finance solution online

In order to apply for a business loan with Cash Flow Capital, you must own an existing business that is currently operating and generating a stable turnover.

To find out if you qualify you can fill in their quick qualification assessment form on their website. This will ask you how long you’ve been in operation, your current annual turnover and how much you're looking to borrow.

Apply online or call them

To apply for a business loan you can call them during business hours and their consultants will assist you to launch an application. You can also find out more about their loan products and find out if they have a suitable solution for your business and if you qualify. You can also apply for a loan online and they will typically approve and credit the money within 72 hours.

Apply for two business loans at the same time

Applying for two business loans in one thing, getting approved for the actual business credit plan is an entirely different ball game. They have to check whether you can afford a secondary advance before they approve your credit request.

It is important that your business performs favourably so that qualifying for two loans doesn’t prove to be difficult. On the other hand, if they see that the organisation isn’t doing all too great, they might have to decline your loan application.

The last thing they want is to bombard you with unnecessary loans that will only stain your credit profile. As an entrepreneur, you have to do everything you can to protect your credit profile. In essence, you will never know when you might need a loan in the future so it is important that your credit profile is always of a good report.

Paying your business loan

The client can decide on a debit date that is suitable for his budget. It is the responsibility of the customer to always ensure that there is sufficient money in their bank account on the agreed-upon debit order date.

Customer Reviews & Testimonials

July 2018

Applying for a business loan at Cash Flow Capital was easy and convenient.

Siboniso M
— Belfast —

February 2019

The time it took for the Cash Flow Capital agents to get back to me after my business loan application was only a few hours.

Mavel B
— Krugersdorp —

March 2019

Thanks to Cash Flow Capital, I was able to open my business and live my dream!

Samantha K
— Randfontein —

Cash Flow Capital Contact

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Opening Hours

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