Working capital
Short-term business funding
Flexible working capital to bridge cash flow, fund stock, cover seasonal demand or take advantage of opportunities.
Funding from R50k to R5M
Repayments are structured around your business turnover, with terms from 3 to 12 months. We compare offers across our partner network so you get the right fit.
- Funding from R50,000 up to R5,000,000
- 3, 6, 9 or 12 month terms
- Daily, weekly or monthly repayment options
- Decisions in days, not weeks
Eligibility
A common starting point across our funding partners.
- Business older than 1 year
- Minimum 12 months trading history
- Minimum monthly turnover of R100,000
- More than 8 active clients, no single client over 20% of revenue
- FICA compliant
- Registered business entity (no sole proprietors)
- Physical business premises
Funding calculator
Indicative repayment estimates only.
Indicative rate range: 12% – 18%
Drag to model different rates within the indicative range and see how the repayment shifts.
Indicative repayment
This calculator is intended as a guide only. Final rates, terms, and repayment amounts are subject to each individual funder's assessment criteria, credit approval process, and terms and conditions. Rates displayed represent a range and your actual rate may differ. SME Capital Desk does not guarantee any specific rate or funding approval.
Ready to grow your business? Let's talk.
Tell us about your business and we'll match you with the right funding partner — fast, transparent, and on your side.