Being self-employed in South Africa often means balancing independence with the challenge of unpredictable income. For many, personal loans help smooth out cash flow, cover surprise expenses, or even fuel business growth. If you’re working for yourself or freelancing, you’ll probably have a different experience when applying for a personal loan than those with full-time … Read more

How do South Africans manage to fund unexpected major expenses such as home renovations, weddings, medical bills, or even consolidate debt?  Most often, they access personal loans. Personal loans are a flexible way to access a lump sum of money, which can then be repaid in installments over time, with interest added. I’ve used these … Read more

Applying for a personal loan in South Africa can be stressful, especially if it’s your first time. I recall the first time I applied for a personal loan, it seemed like a maze of forms and paperwork! Knowing what to put together beforehand can make everything run much smoothly. This practical guide explains the documents … Read more

Access to business funding remains one of the biggest challenges for South Africa’s small and microenterprises. I have seen how even the most innovative entrepreneurs struggle to secure the support they need to keep their doors open or take the next step in growth. The latest findings from the 2025 South African MSME Access to … Read more

In the bustling ecosystem of South African startups, government funding plays a pivotal role in helping small businesses get off the ground. This funding is designed to empower aspiring entrepreneurs, offering them a financial boost that can make the difference between an idea staying on paper and becoming a reality. It’s crucial to understand the … Read more

A business loan can be a practical way for South African entrepreneurs to manage growth, steer through day-to-day expenses, or stabilize their operations. Whether I’m looking to expand a shop, buy equipment, or manage cash flow, access to outside funding often shapes whether those plans can move forward. Taking out a loan is a major … Read more

Getting a business loan in South Africa can really help you grow your company, buy needed equipment, or cover short-term expenses. Before applying, ensure you comply with certain eligibility criteria set by banks and other lenders. These requirements are in place to help lenders understand the risk associated with lending to your business. I’m going … Read more

Choosing a business loan in South Africa can be overwhelming at first, particularly with so many options available from various banks and lenders. I’ve noticed that securing the right loan can significantly help a business grow, pay for equipment, or cover unexpected expenses. Making this decision well means paying close attention to what your business … Read more

Managing cash flow can be a real challenge for small businesses in South Africa. When I land a big order but don’t have the funds to buy the necessary stock or materials, finding quick access to cash becomes significant. Purchase order funding helps bridge this gap, offering working capital when a client has placed a … Read more

Microloans have become a practical option for small businesses across South Africa. If you own a growing enterprise or dream of turning your idea into a business, gaining a good understanding of microloans can help you find the right support when cash is tight. In this guide, I’ll break down what microloans are, how they … Read more