About Cape Town Capital

Small Business Funding in South Africa

Speak to one of our qualified and seasoned Small Business Funding Managers to better understand what funding options and approvals we have for your small business.


Small and medium-sized businesses are the driving force behind South Africa economy. Cape Town Capital is an American business funder located in Cape Town who is passionate about making small business loans accessible to these organizations and their owners.

Small Business Funding

FAQ – Business Funding in South Africa

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WHAT WE DO: Accessible Small Business Funding

Cape Town Capital is committed to making financing and business growth accessible to the small businesses in South Africa that are consistently let down by traditional financing methods.

We give small businesses what they really need to attain success — not an off the peg option, but a real, customized solution that works.

We offer a spectrum of small business funding programs to meet the varying needs of new business owners. Our small business funding services are available all across South Africa. Cape Town Capital offers unique and custom Business Funding approvals all throughout South Africa.

Our Funding Programs Include:



Cape Town Capital provides small businesses with effective business financing solutions by leveraging strategic partnerships, data science, cutting edge technology and in-depth consultations.

While traditional funding providers rely on collateral or standard financial metrics when working with businesses, we do things differently. With our innovative approach to funding, we are able to provide small businesses with the tools they need to grow and expand.

There is no one-size-fits-all solution to small business funding, which is why we work closely together with small businesses to create personalized business financing solutions. We use your future projections to create a funding package and repayment schedule that is feasible for you.

We work closely with you to understand your needs and to make sure that they are met every step of the way. When you work with us, you can have peace of mind that:

1. When you apply online, our process will give you a simple and direct route to the funding you need.

2. We offer flexible terms to suit the growing needs of small businesses.

3. We treat you like a partner, not a transaction.



We know how challenging it can be for small businesses to obtain funding through traditional channels. Our alternative funding options give small business owners the chance to access the financing they need to fund, maintain and expand their business.

We pride ourselves on being a South African business Funder that makes business loans accessible to small businesses. We deliver professional business funding services with our core values in mind:


We are a Funder who pride ourselves in being transparent and honest in everything that we do. We stay legally compliant and in tune with the needs of our clients.


We take an innovative approach to business funding in order to give our clients what they need and to provide them with a better experience.


We treat everyone with respect. We view you as our peer and work hard to deliver compassionate business financing solutions.


We are passionate about the success of your business. We strive to provide effective small business financing services that will help you attain the goals you’ve set.


Our track record speaks for itself. As an alternative funding company, we set realistic goals both for ourselves and our clients.


Our support is second to none. Whatever field you operate in, we will provide your small business with business financing solutions, and support throughout the process.

Cape Town Capital: Fast, Secure Small Business Funding

Every small business has unique needs when it comes to business financing, which is why we offer funding solutions that are not just accessible, but flexible too.

We’ve designed our process to provide businesses with the funding they need safely, securely and easily:

Fast & Simple Experience: Our online application and approval processes are straightforward and highly effective. With our easy application process and fast approval rates, we make it so that you can get the funding you need, when you need it.

Focused on Working Capital: Working capital is the financing your business needs on-demand to proceed with day to day options. We make it so that you can attain these funds within 72 hours of your approval.

Service & Support: Our business financing services are personalized so that your business’s unique needs are met. We work with you personally to ensure you are supported at every turn.



There are countless reasons why a small business may have less-than-stellar credit, but the outcome is always the same. With bad credit, it’s harder to get approved for traditional small business funding.

Funders and credit reporting agencies alike have different ways to define bad credit — and when left up to interpretation, poor credit rarely benefits the side of a small business owner. Even when a small-business owner has a good personal credit score, a bad credit score or limited credit history can ruin a new company’s chance of obtaining funding.

Fortunately, alternative small business funders like Cape Town Capital can get businesses back on track by providing them with access to bad credit business funding.

Bad credit business funding can help owners out of a jam when they need it most. After The cash obtained from bad credit business funding can kick-start your business’s growth and help get your finances back on track.

There are various ways that small business owners can approach obtaining funding if they are struggling with bad credit:

1: Accept a Smaller Funding Amount: If your business can get by with a smaller funding amount, consider applying for a smaller loan. The reality is that it’s easier to get approved for a smaller amount than for a larger business loan.

2: Pledge Cash as a Down Payment: Poor credit doesn’t always mean a lack of cash. If your small business has substantial cash flow, consider pledging a down payment in cash to secure a business loan.

3: Sign a Personal Guarantee: It’s common for a business owner to have good personal credit but poor business credit. If this is you, consider signing a personal guarantee to weigh your loan on your personal ability to pay off the financing, rather than your business’s.

4: Provide Assets or Collateral: Weigh your business financing on collateral or assets like unpaid invoices or future transactions rather than your credit score.

Get your business out of a jam. Apply online for your bad credit funding!

HOW IT WORKS: Apply Online For a Business Funding Today

We pride ourselves on being a South Afircan business Funder that makes business loans accessible to small businesses.

Our process is straightforward.

Here’s how you can apply for business financing solutions from Cape Town Capital:

1: Apply Online

Fill out our form online with basic information about your business. After you apply online, your application form will be sent to one of our credit specialists.

2: Approval

If your application is approved — we approve many more applications than any traditional funding institution — you will hear back quickly.

3: Get Funded

After receiving your approval, you can expect your funds in your account shortly.


It’s hard for small businesses to attain business loans even when they have good credit. Traditional institutions set strict requirements and elongate the application process with paperwork and gruelling appointments.

Lengthy processes and unrealistic expectations have made it increasingly hard for small businesses to get the financing they need to expand and maintain daily operations.

Banks focus on a business’ credit and cash flow without realistic expectations of what small businesses can achieve. Fortunately, Cape Town Capital is an alternative American business Funder that prevents small businesses from having to jump through hoops to attain funding.

With Cape Town Capital, you can apply online and receive an approval within the same day! We eliminate the waiting and the nuisance of in-person meetings. We understand that small businesses don’t necessarily have the luxury of waiting for funds when they have a timely opportunity to take advantage of.

We are committed to making that the small businesses in South Africa can get the funding they need when they need it.

Consider how our process differs from other financial institutions:

Business Funding is not a one-size-fits-all product

Business owners have multiple small business funding options today—including business term loans and business lines of credit from Cape Town Capital.

Depending on your business loan needs, we offer term loans from three months to three years to meet your short-term financing needs. We also offer a convenient business line of credit, if you regularly need to access working capital quickly. Access your credit line (up to $100,000) when you need it, repay the line, and use it again the next time you need quick access to working capital. And, you only pay interest on the credit you use.

Get started by submitting an online application, then let our expert team take care of presenting all options to you.

Term Loans

Grow and invest in your business with a short-term infusion of funds for a specific project and purchases to drive your business forward

From $5K–$500K

Lines of Credit

Keep your business running smoothly with reliable, revolving access to working capital to help you manage your ongoing business needs

From $6K–$100K

Truly Fast Small Business Funding

In most cases, you’ll have funds in your bank account within a day or two. At Cape Town Capital we expedite your loan application as soon as its received.

If you need quick cash then Cape Town Capital is your financing solution… you could have an answer right away and have the money in your account before a bank would even be able to review your application.

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3 reasons you should choose small business funding from Cape Town Capital

Simple Process

One quick application. Funds as soon as same day—all to save you time.

Flexible Options

Funding amounts and term lengths that are designed to meet your business needs

Here For You

Online doesn’t have to mean impersonal—we help you find the right solution

How to Compare Small Business Funding Offers

Because there are many different business needs that include short-term needs like purchasing quick-turnaround inventory and longer-term needs like opening a new business location across town, small business loan terms vary in much the same way an auto loan differs from a home mortgage. Ask the right questions to your funder before making a business loan decision.

5 questions to ask

  • What is the total cost of capital?
  • What is the Annual Percentage Rate (APR)?
  • What is the average monthly payment obligation?
  • What is the total amount of interest paid per dollar borrowed
  • Are there any prepayment fees should you decide to pay off the loan early?

Many of our customers use their Cape Town Capital small business loans to increase profits or otherwise grow their businesses. Learn more about what our customers have to say.

We serve over 700 industries – click here for some examples of sectors of the economy that we help with financing

Whether you have an invention or a skill you want to share with the world or you simply like the idea of working for yourself, there are plenty of reasons to pursue small business ownership. At Cape Town Capital we like to show you the right options that apply to your needs.

This is especially true of large ventures that require a big physical space, inventory, equipment, or other forms of high overhead. But even a small service-based or home business will still face upfront costs before the income starts rolling in. A Business loan expert is necessary to help you with the right amount and the right terms that make sense for each situation.

What Is a Small Business Loan?

Loans provided to small businesses for various purposes by a funder. These loans may have less restrictive requirements, enabling the small business to secure the funds. A small business loan may provide other incentives for the borrower, which could minimize expenses for the business.

Business loans are offered by funders. And in exchange for the money, they’ll charge interest on top of the loan amount—in the most basic loan structure, interest is charged as a percentage of the loan’s principal. Typically, business loans are paid back over a set amount of time, with regular repayments

If you have any questions about business loans please contact one of our loan experts at Cape Town Capital.

Small Business Loan Terms to Know

Having a clear understanding of these terms is critical to making sure that you find an affordable and appropriate small business loan for your needs.


An individual or business that borrows money from another with a promise to repay the full amount plus interest based upon agreed terms.


An individual or institution that temporarily offers funds to a borrower with the expectation of repayment according to set terms


The lump sum of funds provided by the funder to the borrower.


The amount paid by the borrower to the funder in exchange for the privilege of borrowing money. The amount of interest due is calculated based on the amount of funds borrowed and the amount of time that passes until repayment.


Periodic repayments made by the borrower to the funder to return both the principal amount borrowed and the interest due to the funder.


The total length of time that passes between when funds are provided by the funder to the borrower and when the loan principal and interest has been fully repaid by the borrower to the funder.


Valuable asset or piece of property offered by the borrower as a means of securing or guaranteeing payment on a loan. In the event that a loan is not paid in full, the funder can seize the promised collateral as a means of payment.


The annual interest rate, expressed as a percentage, that is charged by the funder to the borrower. This standardized rate is the most common expression of interest charged for traditional term loans.

Factor fee

An alternative means of expressing the interest charged on a loan based on a flat percentage of the amount borrowed. Also called a factor rate, this expression of interest is most often used with short-term small business loans.

Qualifying for a Small Business Loan

Exact application requirements and qualification standards for a small business loan tend to vary based on the funder, the loan type, and the planned use of funds. That said, there are three basic qualification standards that almost all funders will evaluate as part of the small business loan approval process.

We, at Cape Town Capital offer an expedite loan application where your request is processed right after is submitted so you can have an answer quickly.

We take the following factors into consideration when you submit your application:

Personal Credit Score

You may be surprised to discover that when it comes to deciding whether or not to fund money to your business, most funders will actually look to your personal credit score as a primary evaluation tool.

Particularly if your business is very young—or if you’re seeking a small business loan for the first time , your persona credit score is important. Here’s a general breakdown of how scores are assessed:





Below 500

Time in Business

One of the three major factors that will most impact your ability to qualify for a small business loan is one that’s totally out of your control: the amount of time you’ve been in business.

Statistically, about 20% of businesses fail within the first year of operations—so the longer you’ve been in business, the more stable your venture is statistically likely to be.

Annual Revenue

As a general rule, an annual revenue of $250,000 is considered a strong benchmark allowing for a wide range of business loan options, while annual revenues of $500,000 will provide for even more possibilities.

This number is particularly important for business borrowers seeking longer term loans, or those who need a large amount of capital. That said, many other options are also available and our loan experts will present to you with a list of loans that you may qualify.

Types of Small Business Loans

Factors like how you plan to use your loan and how quickly you’ll be able to pay it back can have a dramatic impact on what types of loans you will qualify for and what the cost of those small business loans will be.

What Is a Term Loan?

In this very standardized business loan arrangement, the borrower is offered a lump sum of funds for a set term of between one and five years, interest is accrued at a fixed rate over the life of the loan, and the borrower makes fixed monthly repayments on principal and interest until the loan is paid in full.

Term loans are popular because they are straightforward, they offer a large sum of funds to be borrowed over a longer period, and the interest rates tend to be the lowest available.

Here’s a quick breakdown of the numbers behind standard term loans:

  • Loan amount: $25,000-$500,000
  • Loan term: 1-5 years
  • Interest rate: 7%-30%
  • Minimum time in business: 1 year
  • Minimum annual revenue: $90,000
  • Minimum personal credit score: 600

What Is a Short-Term Loan?

Short-term loans are very similar to traditional term loans with the distinction that funds are borrowed for a shorter period of time—most often between 3 and 18 months. However, while term loans typically follow a monthly payment schedule similar to a mortgage or car loan, short-term loans tend to require weekly or even daily payments.

Let’s break down the basics of this small business loan option:

  • Loan amount: $2,500 to $250,000
  • Loan term: 3 to 18 months
  • Interest rate: Starting at 10%
  • Minimum time in business: 1 year (two years preferred)
  • Minimum annual revenue: $50,000
  • Minimum personal credit Score: 525

Short-term loans can be a great tool for businesses who need quick access to cash to cover basic expenses or take advantage of worthwhile business opportunities—or for those with poor credit.

What Is Equipment Financing?

Equipment financing is a small business loan specifically designed to finance the purchase of equipment needed for the operation of a business.

  • Loan amount: Up to 100% of equipment value
  • Loan term: Equivalent to the expected life of the equipment
  • Interest rate: 8%-30%
  • Minimum time in business: 11+ months
  • Minimum annual revenue: $100,000
  • Minimum personal credit score: 600

Of course, equipment financing is only a good fit for businesses that have significant equipment needs, since funds from these loans cannot be put toward other uses and financing is only available up to the full cost of the equipment.

What Is a Business Line of Credit?

A business line of credit is approved as a maximum credit amount from which funds can be drawn as needed. Just like with a credit card, you only pay interest on the funds you draw from the total credit line—meaning you’ll never find yourself paying interest on funds that you’re not actively using.

If you’re considering a line of credit for your business, here are the specifics you need to know:

  • Loan amount: $10,000 to $1 million
  • Loan term: 6 months to 5 years
  • Interest rate: 7%-25%
  • Minimum time in business: 6 months
  • Minimum annual revenue: $50,000

What Is Invoice Financing?

Sometimes known as accounts receivable financing, invoice financing is a type of small business loan that lets business owners obtain cash on demand based on outstanding invoices or money owed to the business.

Here’s how it works: Invoice financing companies will typically offer an immediate cash advance equivalent to about 85% of the total value of your outstanding invoices. From there, the remaining 15% of your accounts receivable will be paid to you at a later date, less the company’s factor fee.

The exact cost of your invoice financing loan will depend upon how quickly your customers pay their invoices, with fees assessed as a percentage per week that the invoices remain outstanding.

Before You Choose a Small Business Loan

You might even have some idea about what type of loan would be a good fit for your business based on your needs and qualification standards. However, with Cape Town Capital you will have a loan expert to help you navigate through all the options.

Apply Now!