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Business Loans

Get the Money Your Business Needs to Grow

Business Finance With 5-Day Approval

Geddes Capital provides secured business loans for South African SMEs, with facilities ranging from R1 million to R15 million and terms from 6 months to 5 years. We are one of the few alternative business lenders in South Africa with a consistent 5-day approval timeline, built for business owners who cannot afford to wait.

We work closely with every client to find a funding solution that fits. Not a product pulled off a shelf, but finance structured around what your business actually needs.

Application Received5 days ago
Funding Approved1 day ago
R15 000 000 Paid1 hour ago

  • What makes Geddes Capital the smarter choice for business funding.

  • Flexible amounts

    Our business loans range from R1m to R15m, structured to help you seize opportunities, scale operations, and fund your next phase of growth.

  • Custom payment plans

    We tailor repayment to fit your business, with interest-only, partial capital, or residual options available depending on your circumstances.

  • Trusted & experienced

    100 + years of combined experience in the South African financial sector. We have supported businesses across 26 industries and deployed over R500 million in local funding.

Small Business Funding Requirements

Geddes is flexible and creative in how we approach funding.

That said, we do have baseline requirements to qualify for a collateral-backed business loan in South Africa

  • Trading History

    Must have been actively operating for at least one year.

  • Annual Turnover

    Your business must generate a minimum of R2 million in annual revenue.

  • Business Registration

    Must be a registered South African company, close corporation, or VAT-registered sole proprietor.

Apply nowStill have questions?
  • You want to free up your capital. It‘s an easy way to obtain rental income in advance.
  • You don’t want to miss out. Great opportunities won’t wait, which is why our service helps you secure a prosperous future.
  • You need immediate cash to do repairs and maintenance to your property.
  • You want to save time and labour. We do all the following up and chasing of rental payments (bad debts aside) so you can focus on growing your property portfolio or business.

BUSINESS LOAN

It's right for you if...

  • You need additional cash flow to buy stock, equipment, raw materials or fund growth.
  • Your business has a minimum annual turnover of R2 000 000 and has been actively trading for at least one year.
  • Your business is a registered South African company, close corporation or you are a sole proprietor who is VAT registered.
  • You have available property, fixed or immovable assets which are not financed.
  • You’re looking for speed, creative solutions and personal service.
Apply for a LoanStill Have Questions?

  • 01

    Complete the Online Application

    Fill in the online application form with basic information about your business, your funding requirements, and the collateral you can offer. This process takes a few minutes.

  • 02

    Submit Supporting Documents

    Provide your financial statements, identification documents, and details of the asset being used as security. This gives the lending team what they need to review your application.

  • 03

    Review and Funding

    Once approved, review the loan terms and sign the agreement. After final verification, funds are released, typically within 5 days of approval of the business loan.