Business Loans

Get the money you need to grow

We pride ourselves on working closely with our customers to find solutions for their funding needs through innovative and strategic thinking. We offer a simple solution to access short-term secured funding, where liquidity is required in the fastest possible time. We offer facilities from R1,000,000 up to R15,000,000 with terms from as short as 6 months right up to 5 years. We offer one of the fastest application-to-loan turnaround times, with an average of 5 working days to conclude.

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Why Business Loans are good for you:

Flexible Amounts

Our business loans range between R1m and R15million per deal. It all depends on how much you need to make the most of current opportunities, grow your business and fund the future you deserve.

Custom Payment Structures

We offer customised payment structures and terms to suit your business’s needs and cash flow with interest-only loans, partial capital payments or, alternatively, a residual at the end of the loan period.


We have worked with businesses on 4 continents including 10 African countries. With over 100 years of combined industry experience, we know what it takes to support you in reaching your goals.

We are flexible and creative in our efforts to fund your future.

Time in business

Actively trading for 1+ year.

Minimum turnover

R2 million annually.


South African company, close corporation or VAT registered sole proprietor.

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Still not sure? Check out our FAQs.
Business Loan Requirements

How it works:


Fill out our application or contact form and one of our friendly financiers we will get back to you with they what they need to get going.


We can advance 100% of the loan upfront, depending on your unique needs.


We typically charge between 2.5% – 3.5% interest on loans from 6 months right up to 5 years.

It's right for you if...

You need additional cash flow to buy stock, equipment, raw materials or fund growth.

You have available property, fixed or immovable assets which are not financed.

Your business has a minimum annual turnover of R2 000 000 and has been actively trading for at least one year.

You’re looking for speed, creative solutions and personal service.

Your business is a registered South African company, close corporation or you are a sole proprietor who is VAT registered.

Apply Now

Still have questions?

Find answers to frequently asked questions below, or get in touch if you have a new question!

Can I apply for funding for a startup or new business?

Does my business information remain confidential?

Is Geddes Capital registered with any financial bodies?

Can I come to your office to complete a form?

How do I apply?

Do you only fund businesses in Johannesburg and Cape Town?

How long does the application take?

Can I use my assets to secure funding?

How long will it take to process my application?

Can I apply if my business has a listing or judgement?

When will the money be paid into my account?

How do I sign the legal agreement?

What are your payment terms?

How do I make changes to my application details?

Can I have flexible payment terms?

What if my business is not registered for VAT?

What if I want to settle early?

Do I need to submit financial statements?

What are the minimum and maximum amounts of finance I can apply for?

How does Geddes Capital use my online banking profile?

How are you different from other lenders and banks?

Can I send you bank statements instead?

What are the requirements to apply for funding?

Do you offer personal loans?

My business does not meet the minimum requirements but I have some larger contracts lined up. Will you still consider my funding?

Need help? Let's chat!