Ten productive business finance products plus deliberately limited personal lending. Every product shows what it is for, what it costs you in documents, and how to apply.
Finance that puts capacity into the business — stock, contracts, equipment and expansion. This is where the majority of our book sits, by design.
Ideal for: Stock, wages, supplier payments and the gap between delivering and being paid.
3 – 12 months
R20 000 – R500 000+
Ideal for: A confirmed purchase order from a creditworthy buyer that you cannot fund out of cash flow.
Per order cycle
Up to R300 000+
Ideal for: Executing an awarded tender or contract — mobilisation, materials and labour.
Contract term
By contract value
Ideal for: Equipment, machinery, tools and commercial vehicles that expand what the business can deliver.
12 – 60 months
By asset value
Ideal for: Spaza shops, street traders, salons and micro operators — including clients with a limited formal record.
3 – 12 months
R5 000 – R50 000
Ideal for: Bulk or seasonal stock purchases where the stock itself turns fast enough to repay the facility.
Per stock cycle
R20 000 – R500 000
Ideal for: Opening a second site, adding a production line or entering a new market.
12 – 36 months
R50 000 – R500 000+
Project-based facilities for commercial property, construction and residential development, drawn against verified progress.
Ideal for: Commercial property acquisition and improvement for owner-occupied or income-producing use.
Project term
By project
Ideal for: Draw-down funding against certified progress on a construction project.
Project term
By project
Ideal for: Topping up a residential development where senior funding falls short of the build cost.
Project term
By project
Ideal for: Bridging the gap while a property transfer registers — for sellers, agents and developers.
Until transfer
By transaction
Productive lending leads. Consumption lending is held to a controlled minimum as a matter of policy and of our responsible-lending obligations as a registered credit provider.
Available only after a full affordability assessment in terms of the National Credit Act.
Small-value personal lending, deliberately capped as a share of the book.
FlexiGrowth Capital is a registered credit provider (NCRCP23507). Every application is subject to affordability assessment, identity and AML verification, and a credit bureau check in terms of the National Credit Act. Approval, amount and pricing depend on the outcome of that assessment. Terms and conditions apply.
A short mobile application, self-serve or captured by an agent on a tablet.
Automated AML and identity verification, plus a J-Cred credit bureau check.
FlexiScore™ blends bureau data with cashflow, savings behaviour, stokvel participation and contract verification.
Credit committee decision, then contracting and payout through our loan management system.
Advisory and enterprise development support for the life of the facility.
If you already know what you need, start the application. If you are not sure you will qualify, check your readiness first — it takes five minutes.