{"id":21380,"date":"2022-08-22T21:02:53","date_gmt":"2022-08-22T21:02:53","guid":{"rendered":"https:\/\/swoopfunding.com\/za\/?page_id=21380"},"modified":"2024-10-24T07:03:05","modified_gmt":"2024-10-24T07:03:05","slug":"small-business-loans","status":"publish","type":"page","link":"https:\/\/swoopfunding.com\/za\/business-loans\/small-business-loans\/","title":{"rendered":"Small business loans"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"21380\" class=\"elementor elementor-21380\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-60f6618 e-flex e-con-boxed e-con e-parent\" data-id=\"60f6618\" data-element_type=\"container\" id=\"hero-title\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5e88307 e-con-full e-flex e-con e-child\" data-id=\"5e88307\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-489080e elementor-widget elementor-widget-heading\" data-id=\"489080e\" data-element_type=\"widget\" id=\"hero-title\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Small business loans South Africa<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8309223 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"8309223\" data-element_type=\"section\" id=\"product-page\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8d3de51\" data-id=\"8d3de51\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a94abf4 uael-heading-align-left elementor-widget elementor-widget-uael-table-of-contents\" data-id=\"a94abf4\" data-element_type=\"widget\" id=\"styck-table-of-contents\" data-settings=\"{&quot;scroll_offset&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;115&quot;,&quot;sizes&quot;:[]},&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;],&quot;sticky_offset&quot;:&quot;130&quot;,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;scroll_offset_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;scroll_offset_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;scroll_offset_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_text_align&quot;:&quot;left&quot;,&quot;heading_bottom_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:15,&quot;sizes&quot;:[]},&quot;content_between_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\" data-widget_type=\"uael-table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"uael-toc-main-wrapper\" data-headings=\"h2,h3,h4\" >\n\t\t\t<div class=\"uael-toc-wrapper\">\n\t\t\t\t<div class=\"uael-toc-header\">\n\t\t\t\t\t<span class=\"uael-toc-heading elementor-inline-editing\" data-elementor-setting-key=\"heading_title\" data-elementor-inline-editing-toolbar=\"basic\" ><\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"uael-toc-toggle-content\">\n\t\t\t\t\t<div class=\"uael-toc-content-wrapper\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t<ul data-toc-headings=\"headings\" class=\"uael-toc-list uael-toc-list-none\" data-scroll=\"500\" data-scroll-offset=\"115\" ><\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"uael-toc-empty-note\">\n\t\t\t\t\t<span>Add a header to begin generating the table of contents<\/span>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d8dc521 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d8dc521\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-ac429c1\" data-id=\"ac429c1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ca41518 elementor-widget elementor-widget-ucaddon_breadcrumbs\" data-id=\"ca41518\" data-element_type=\"widget\" data-widget_type=\"ucaddon_breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t <div id=\"breadcrumbs-container\" class=\"left\">\n <nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><\/p><\/nav> <\/div>\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-979527c elementor-widget elementor-widget-ucaddon_last_updated\" data-id=\"979527c\" data-element_type=\"widget\" data-widget_type=\"ucaddon_last_updated.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n<div id=\"last-updated-container\" class=\"\">\n\n <script id=\"last-updated-schema\" type=\"application\/ld+json\">\n        {\n          \"@context\": \"https:\/\/schema.org\",\n          \"@type\": \"Article\",\n          \"headline\": \"Small business loans\",\n          \n          \"datePublished\": \"2022-08-22T21:02:53+00:00\",\n          \"dateModified\": \"2024-10-24T07:03:05+00:00\",\n          \"author\": [{\n              \"@type\": \"Person\",\n              \"name\": \"Alastair Woods\",\n              \"url\": \"https:\/\/swoopfunding.com\/za\/author\/alastair-woods\/\"\n            }]\n        }\n    <\/script>\n \n <div class=\"last-updated view-user\" style=\"justify-content: left;\">\n \n <div class=\"info-left\">\n <a href=\"https:\/\/swoopfunding.com\/za\/author\/alastair-woods\/\" aria-label=\"Alastair Woods\">\n <picture loading=\"lazy\" decoding=\"async\" class=\"attachment-large size-large\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/alastair.webp\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/alastair.webp?is-pending-load=1\" alt=\"Alastair Woods\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <\/picture>\n <\/a>\n <\/div>\n \n <div class=\"info-right\">\n <p>Page written by <a href=\"https:\/\/swoopfunding.com\/za\/author\/alastair-woods\/\">Alastair Woods<\/a>. <span>Last reviewed on October 24, 2024<\/span>. <span>Next review due March 1, 2026.\n <\/span>\n <\/p>\n\n <\/div>\n\n <\/div>\n<\/div>\n\n<div id=\"externalTooltipContent\" style=\"display: none;\">\n <div class=\"top-info\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/alastair.webp\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/alastair.webp?is-pending-load=1\" alt=\"\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <div class=\"text\">\n <div class=\"name-author\">Alastair Woods<\/div>\n <div class=\"role-user\">South Africa Lead<\/div>\n <\/div>\n <\/div>\n <div class=\"description\">Alastair is South African and has a depth of experience in small business financing and strategy. He has led the launch and development of several successful ventures related to fintech, biotech and agriculture. Alastair studied economics and finance at the University of Cape Town, and then went on to complete his Masters at the University of Edinburgh.<\/div>\n<\/div>\n\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cdf139e elementor-widget elementor-widget-text-editor\" data-id=\"cdf139e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>No matter if you\u2019re a start up, mature business, sole trader, or a company with 200 employees, small business loans are the smart, flexible, and low-cost way to finance business activities. Stop relying on slow cashflow to expand. Turbocharge your company\u2019s growth with a loan that\u2019s purpose-built for your business needs..<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1cf6d28 uael-heading-align-left elementor-widget elementor-widget-uael-table-of-contents\" data-id=\"1cf6d28\" data-element_type=\"widget\" id=\"table-of-content-column\" data-settings=\"{&quot;heading_text_align&quot;:&quot;left&quot;,&quot;heading_bottom_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;heading_bottom_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;separator_bottom_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:15,&quot;sizes&quot;:[]},&quot;content_between_space_laptop&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;content_between_space_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"uael-table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"uael-toc-main-wrapper\" data-headings=\"h2,h3,h4\" >\n\t\t\t<div class=\"uael-toc-wrapper\">\n\t\t\t\t<div class=\"uael-toc-header\">\n\t\t\t\t\t<span class=\"uael-toc-heading elementor-inline-editing\" data-elementor-setting-key=\"heading_title\" data-elementor-inline-editing-toolbar=\"basic\" ><\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"uael-toc-toggle-content\">\n\t\t\t\t\t<div class=\"uael-toc-content-wrapper\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t<ul data-toc-headings=\"headings\" class=\"uael-toc-list uael-toc-list-none\" data-scroll=\"\" ><\/ul>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"uael-toc-empty-note\">\n\t\t\t\t\t<span>Add a header to begin generating the table of contents<\/span>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-765e092 elementor-widget elementor-widget-spacer\" data-id=\"765e092\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9492de8 question elementor-widget elementor-widget-heading\" data-id=\"9492de8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is a small business loan?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2dfbab4 answer elementor-widget elementor-widget-text-editor\" data-id=\"2dfbab4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>To understand small business loans, we first need to ask, what is a small business? There are several definitions. Depending on who you ask, a small business can have as few as 1 and as many as 200 employees. In our experience, we\u2019ve found that South African lenders define a small business as having up to 200 employees, with turnover less than R64m, and capital assets of less than R10m.<\/p><p>Small business loans may be used for a variety of purposes \u2013 start-up, expansion, working capital, asset purchase, debt repayment; even the purchase of a business. Borrowed sums may range from R10,000 up to R10m and more, and with repayment terms up to 25 years if the loan was secured against an asset like property or land. Additionally, unlike equity financing, small business loans do not require company principals to surrender any of their ownership.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2cef0c elementor-widget elementor-widget-ucaddon_a_word_from_andrea\" data-id=\"e2cef0c\" data-element_type=\"widget\" data-widget_type=\"ucaddon_a_word_from_andrea.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n<div class=\"word-from-andrea\">\n <div class=\"left-info\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/za\/wp-content\/themes\/swoopMW50\/assets\/images\/andrea.webp\" alt=\"Andrea Reynolds, Swoop\u2019s CEO & Co-Founder\" width=\"136\" height=\"136\">\n <div class=\"position\"><strong>Andrea Reynolds<\/strong><br>Swoop\u2019s CEO & Co-Founder<\/div>\n <\/div>\n <div class=\"right-info\">\n <p class=\"title-module\">A word from Andrea<\/p>\n <div class=\"description\">\n <p><em>\"Small business loans are a smart, flexible, and low-cost way to finance business activities. Borrowed sums may range from R10,000 up to R10m and more, and with repayment terms up to 25 years. Unlike equity financing, small business loans do not require company principals to surrender any of their ownership, and are accessible to businesses with up to 200 employees and with turnover less than R64m.\"<\/em><\/p> <\/div>\n <\/div>\n<\/div>\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57877dd question elementor-widget elementor-widget-heading\" data-id=\"57877dd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How do small business loans work?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2bfe9ca answer elementor-widget elementor-widget-text-editor\" data-id=\"2bfe9ca\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Small business loans function like many other\u00a0<a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/\">business loans<\/a>\u00a0\u2013 a lender provides a sum of money which is paid back over time. The loan may be secured or unsecured and there are usually fees or other costs as well as an interest charge. There are different types of small business loan:<\/p><ul><li><a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/secured-business-loans\/\">Secured business loan<\/a><\/li><\/ul><p>With secured business loans, the borrower provides collateral, (real estate, vehicles, machinery, etc) to protect the lender from loss. Best suited to mature businesses that own hard assets, these types of loans are considered less risky, tend to be larger, and are often cheaper than unsecured loans.<\/p><ul><li><a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/unsecured-business-loans\/\">Unsecured business loan<\/a><\/li><\/ul><p>With unsecured business loans, the borrower provides no collateral, so the lender carries more risk. This means the loan is usually smaller and more expensive in terms of fees and interest. To obtain unsecured loans borrowers will typically need good to excellent credit references.<\/p><ul><li><a href=\"https:\/\/swoopfunding.com\/za\/merchant-cash-advance\/\">Merchant cash advance<\/a><\/li><\/ul><p>A merchant cash advance (MCA) provides funding for businesses that receive payment via a credit card terminal. This type of loan is ideal for businesses with less than stellar credit.<\/p><p>The lender provides a lump sum that\u2019s repaid from customer card receipts. \u00a0MCA loans are flexible, can be set up quickly and they provide scalable funding \u2013 as your card receipts grow, so does your ability to borrow.<\/p><ul><li><a href=\"https:\/\/swoopfunding.com\/za\/uk\/business-loans\/invoice-finance\/\">Invoice finance<\/a><\/li><\/ul><p>Although not technically a small business loan, invoice finance utilises the security of a company\u2019s unpaid invoices as the basis for a loan or an advance. Instead of sitting on unpaid invoices, the borrower receives a large percentage of each invoice as soon as it is raised. This type of loan is best for businesses that are trading successfully, but are being slowed down by slow payment of their bills.<\/p><p>Every small business loan is specific to the borrower\u2019s business and the circumstances it is operating in. No two loans are alike. If one type of loan is not available for you, there may always be a different option that delivers what you need.\u00a0<a href=\"https:\/\/southafrica.swoopfunding.com\/stage\">Register with Swoop<\/a>\u00a0today to start discovering your options.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d50d3d5 question elementor-widget elementor-widget-heading\" data-id=\"d50d3d5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Who is a small business loan for?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-03b08e6 answer elementor-widget elementor-widget-text-editor\" data-id=\"03b08e6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Small business loans are available for most types of business \u2013 from start ups, sole traders, and contractors to companies with as many as 200 employees \u2013 and across many sectors: Car dealers, healthcare providers, retailers, ecommerce operations, <a href=\"https:\/\/swoopfunding.com\/za\/start-a-business\/transport-business\/\">transport<\/a>, logistics, artists, vets, dentists, painters, decorators, butchers, bakers, even candlestick makers. If you operate a small business, or you intend to start one, there is almost certainly a small business loan to suit your needs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e204342 question elementor-widget elementor-widget-heading\" data-id=\"e204342\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How much can I borrow?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d0dfc2 answer elementor-widget elementor-widget-text-editor\" data-id=\"4d0dfc2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Swoop\u2019s lending partners provide small business loans from R10,000 to R10m and more, but how much your business can borrow is determined by factors specific to you, your business, and the type of loan you want:<\/p><ul><li>Is the loan secured or unsecured?<\/li><\/ul><p>Secured loans usually offer a larger lump sum.<\/p><ul><li>Long term or short term?<\/li><\/ul><p>Long term loans tend to be bigger than short term loans which are normally used to meet temporary needs.<\/p><ul><li>Your credit<\/li><\/ul><p>This may include your personal credit score as well as your business\u2019s credit rating. The better the score, the more you can borrow.<\/p><ul><li>Type of business<\/li><\/ul><p>Even without the impact of the COVID-19 epidemic, some types of business have a higher failure rate than others. (For example, <a href=\"https:\/\/swoopfunding.com\/za\/sectors\/restaurant-loans\/\">restaurants<\/a> and retail). High risk businesses can usually borrow less than companies that operate in more stable sectors.<\/p><ul><li>Your business revenues and income<\/li><\/ul><p>Your business turnover, your profit level, and the average sum in your business bank account all impact the size of your loan offer. Businesses that generate good profit and maintain a solid bank balance will usually be able to borrow more than a company with poor profitability and deep reliance on their bank overdraft. (That is known as \u2018cash pressure\u2019, and the more of it your business has, the less you can borrow).<\/p><ul><li>Length of time in business<\/li><\/ul><p>Businesses with longer track records and multiple years of accounts can usually borrow more than start ups and young companies.<\/p><ul><li>Assets<\/li><\/ul><p>See secured loans above. Businesses with hard assets, such as real estate, can usually borrow more than organisations with none.<\/p><p>Swoop\u2019s pool of lenders can provide a loan for many types of business. Even if you\u2019ve been rejected elsewhere, we may still be able to provide the funding you need.\u00a0<a href=\"https:\/\/southafrica.swoopfunding.com\/stage\">Register with Swoop<\/a>\u00a0to discover your options.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb87023 question elementor-widget elementor-widget-heading\" data-id=\"bb87023\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What are the interest rates?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b2e0b4d answer elementor-widget elementor-widget-text-editor\" data-id=\"b2e0b4d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Interest rates on South African small business loans can vary significantly. Typically, unsecured loans come with a higher rate of interest than secured loans.<\/p><p>Interest rates may be fixed \u2013 which means they never change during the life of the loan, or they may be variable \u2013 which means the rate will adjust up or down according to bank base rate set by the South African Reserve Bank. Most business loans charge interest as a percentage over base rate. For example, a loan offered at 2% over base rate, when base rate is 6%, will carry an 8% interest charge. Note that merchant cash advances accrue interest on a daily rate. This type of loan can be more expensive than a standard business loan.<\/p><p>In practice, there is no one size fits all for business loans. The type of loan, type of business, your credit rating, length of time in business, and if the\u00a0loan is secured or unsecured, all affect the interest rate. This means every small business loan is a custom fit.<\/p><p>Swoop works with lenders who provide business loans across the entire commercial spectrum. Interest rates vary and loans range from R10,000 to R10m and more.\u00a0<a href=\"https:\/\/southafrica.swoopfunding.com\/stage\">Register your business<\/a>\u00a0to obtain a quote tailored to your exact business needs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c6efd9f question elementor-widget elementor-widget-heading\" data-id=\"c6efd9f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Small business loan calculator<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6bbec49 answer elementor-widget elementor-widget-text-editor\" data-id=\"6bbec49\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A business loan calculator is a great starting point to understanding the cost of your loan. Use our small business loan calculator to work out your average monthly interest payments and the total monthly repayment amount, as well as the total interest paid and the total cost of the loan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5fdf8a9 elementor-widget elementor-widget-ucaddon_business_loan_calculator\" data-id=\"5fdf8a9\" data-element_type=\"widget\" data-widget_type=\"ucaddon_business_loan_calculator.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n \n \n <div class=\"business_loan_calculator form-calculator\" >\n <div class=\"left_column\">\n <p class=\"title\">Your loan details<\/p>\n\n <div class=\"form-group\">\n <label for=\"how_much_funding_do_you_require\">How much funding do you require?<\/label>\n\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">R<\/span>\n <\/div>\n <input id=\"how_much_funding_do_you_require\" type=\"text\" class=\"form-control mask-money\" aria-label=\"How much funding do you require?\" value=\"10,000\" inputmode=\"numeric\">\n <\/div>\n\n <\/div>\n\n <div class=\"form-group\">\n <label for=\"repayment_term\">Repayment term<\/label>\n\n <div class=\"input-group mb-3\">\n <input id=\"repayment_term\" type=\"text\" class=\"form-control\" aria-label=\"Repayment term\" value=\"6\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">months<\/span>\n <\/div>\n <\/div>\n\n <\/div>\n\n <div class=\"form-group\">\n <label for=\"interest_rate\">Interest rate<\/label>\n\n <div class=\"input-group mb-3\">\n <input id=\"interest_rate\" type=\"text\" class=\"form-control\" aria-label=\"Interest rate\" value=\"4\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">%<\/span>\n <\/div>\n <\/div>\n\n <\/div>\n\n <p class=\"note-calculator\">This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender before taking out a loan.<\/p>\n\n <\/div>\n <div class=\"right_column\">\n <p class=\"title\">Your results<\/p>\n <div class=\"show-number\">\n <p class=\"title-result\">Monthly payments<\/p>\n <p class=\"number-result\">R<span id=\"permonth\">-<\/span><\/p>\n <\/div>\n <div class=\"show-number\">\n <p class=\"title-result\">Avg. monthly interest<\/p>\n <p class=\"number-result\">R<span id=\"totalinterestmonth\">-<\/span><\/p>\n <\/div>\n <div class=\"show-number\">\n <p class=\"title-result\">Total interest<\/p>\n <p class=\"number-result\">R<span id=\"totalinterest\">-<\/span><\/p>\n <\/div>\n <div class=\"show-number\">\n <p class=\"title-result\">Total cost of finance<\/p>\n <p class=\"number-result\">R<span id=\"total\">-<\/span><\/p>\n <\/div>\n\n <a href=\"https:\/\/southafrica.swoopfunding.com\/stage\/\" class=\"btn btn-lg btn-dark btn-block\" target=\"_blank\">Borrow R<span id=\"resultCTA\"><\/span><\/a>\n\n <\/div>\n <\/div>\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c6ece7 question elementor-widget elementor-widget-heading\" data-id=\"2c6ece7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What fees and other costs should I look out for?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a71956c answer elementor-widget elementor-widget-text-editor\" data-id=\"a71956c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Business loans generally come with more fees and costs than personal borrowing. This is because every small business loan is different and quite often, the lender will need to carry out significant due diligence to arrive at their loan offer. Typical costs and fees include:<\/p><ul><li>Origination fee<\/li><\/ul><p>A fee that the lender charges for processing your loan. The fee may be flat, but usually, it is calculated as a percentage of the sum borrowed. (For example, 3% fee on a borrowed sum of R10,000 would be R300). Origination fees are paid at loan closing. Often, the lender deducts their fee from the borrowed sum. You repay the fee as part of the loan.<\/p><ul><li>Appraisal and Underwriting fees<\/li><\/ul><p>If the lender is required to conduct an appraisal of the borrower\u2019s assets, they may charge a fee for this service. This is the same as paying for a surveyor\u2019s report on a house you wish to buy. Underwriters carry out due diligence on your application. They check your tax filings, bank statements etc. Fees may be charged to cover the underwriter\u2019s costs. Both appraisal and underwriter fees are usually flat rate and charged at loan closing.<\/p><ul><li>Pre-payment penalty<\/li><\/ul><p>If you wish to pay the loan back early, there may be a cost for doing so. This is called a pre-payment penalty and it is typically equal to one month\u2019s loan payment.<\/p><ul><li>Referral fee<\/li><\/ul><p>If you secured your small business loan through a third-party introduction service, the lender may have to pay them for bringing in your business. The lender may recoup this fee from you, usually collecting at the closing of the loan.<\/p><ul><li>Factor rate<\/li><\/ul><p>The factor rate is used to calculate the cost of a merchant cash advance (MCA) as well as some short-term loans and invoice finance. It\u2019s expressed as a decimal number usually between 1.1 and 1.5. To understand how much your loan will cost, multiply the factor rate by the total amount borrowed. For example, a loan of R10,000 and a factor rate of 1.2, will require you to repay R12,000.<\/p><ul><li>Default fees<\/li><\/ul><p>If you make late payment, miss payments, or default on the loan, there are costs to pay. These include late fees, bank charges, unpaid direct debit fees, interest surcharges and delinquent interest rates. To avoid these costs, only borrow what you can afford. Use the\u00a0<strong><a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/small-business-loans\/#small-business-loan-calculator\">Swoop business loan calculator<\/a><\/strong>\u00a0to find out how much you can borrow and what the repayment costs will be.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-912d542 question elementor-widget elementor-widget-heading\" data-id=\"912d542\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What can I use the loan for?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d4e0768 answer elementor-widget elementor-widget-text-editor\" data-id=\"d4e0768\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Small business loans can be used for almost every legitimate business activity. Use your loan to buy equipment, real estate, plant, vehicles, machinery, even a business. Use it as working capital to expand, start a new business, or take on more staff. You can even use a low-cost business loan to pay off more expensive short-term business debt.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20652df question elementor-widget elementor-widget-heading\" data-id=\"20652df\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Government funding support explained<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-081e3ed answer elementor-widget elementor-widget-text-editor\" data-id=\"081e3ed\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The South African government has established a number of agencies and funds to support small businesses, including:<\/p>\n<ul>\n<li>The&nbsp;<a href=\"https:\/\/www.idc.co.za\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 700\">IDC&nbsp;<\/span><\/a>is a national development finance institution set up to promote economic growth and industrial development. They offer loan amounts of a minimum of R1-million with a maximum of R1-billion per project allowed<\/li><li><a href=\"https:\/\/www.sefa.org.za\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 700\">SEFA<\/span>&nbsp;<\/a>provides financial and business support to numerous SMEs and cooperatives throughout the country, furthering the development of existing enterprises or the establishment of new enterprises<\/li><li><a href=\"http:\/\/www.seda.org.za\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 700\">SEDA&nbsp;<\/span><\/a>is tasked with developing, supporting and promote small enterprises throughout the country, ensuring their growth and sustainability<\/li><li>The&nbsp;<a href=\"https:\/\/www.nefcorp.co.za\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 700\">NEF&nbsp;<\/span><\/a>is tasked with promoting and facilitating black economic participation by providing financial and non-financial support to black empowered businesses and promoting a culture of savings and investment among black people<\/li><li>The&nbsp;<span style=\"font-weight: 700\"><a href=\"https:\/\/www.tia.org.za\/\" target=\"_blank\" rel=\"noopener\">Technology Innovation Agency (TIA)<\/a>&nbsp;<\/span>was established in terms of the TIA Act 26 of 2008, with the objective of stimulating and intensifying technological innovation in order to improve economic growth and the quality of life of all South Africans<\/li><li>The&nbsp;<a href=\"http:\/\/www.thedtic.gov.za\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 700\">DTIC&nbsp;<\/span><\/a>and its subsidiary agencies are involved in promoting economic development, black economic empowerment, implementing commercial law, promoting and regulating international trade, and consumer protection<\/li>\n<\/ul>\n<p>Swoop is able to help you navigate the various government funds and agencies, and apply for funding where eligible.&nbsp;<a style=\"background-color: #ffffff\" href=\"https:\/\/southafrica.swoopfunding.com\/stage\">Register your business<\/a>&nbsp;to find out more.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-96554ba question elementor-widget elementor-widget-heading\" data-id=\"96554ba\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Can I get a small business loan to buy a business?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be7e172 answer elementor-widget elementor-widget-text-editor\" data-id=\"be7e172\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The short answer is yes, you can. The longer answer is, yes you can, but do your homework first. Buying an existing business with a loan can have advantages over starting a business from scratch. You buy an established brand, an existing customer base, supplier contacts, track record, stock, perhaps even premises. Set against this are the \u2018Goldilocks\u2019 factors that lenders are looking for:<\/p>\n<ul>\n<li>Have you evaluated the business you wish to buy?<\/li>\n<\/ul>\n<p>Have you thoroughly checked the accounts, the assets, spoken to suppliers and customers, researched the market value of the business, and considered the long-term potential? (It\u2019s not a fad). Lenders need concrete answers to these questions. It pays to be prepared.<\/p>\n<ul>\n<li>Business reputation.<\/li>\n<\/ul>\n<p>Does the business have any negative aspects \u2013 like supply chain issues, or employee grievances? Business ethics are also important.<\/p>\n<ul>\n<li>Customer opinion and expectations.<\/li>\n<\/ul>\n<p>What do existing customers say about the business? Is it viewed in a negative or positive light? What are customer expectations? Will they be there to support the business a year or so from now? Where will new growth come from?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-67f966c question elementor-widget elementor-widget-heading\" data-id=\"67f966c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Is a small business loan secured or unsecured?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-deb7b4d answer elementor-widget elementor-widget-text-editor\" data-id=\"deb7b4d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It can be either. Secured business loans use collateral, such as real-estate, to provide a guarantee to the lender. This protects them from loss in the event of borrower default. Unsecured loans provide no collateral. The lender is at risk if the business defaults on the loan. Secured loans are typically larger, place less emphasis on the borrower\u2019s credit score and come with a lower interest rate than unsecured loans.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7857bf1 question elementor-widget elementor-widget-heading\" data-id=\"7857bf1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Small business loans for women<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7dbd5b3 answer elementor-widget elementor-widget-text-editor\" data-id=\"7dbd5b3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>According to research, only <a href=\"https:\/\/www.bizcommunity.com\/Article\/196\/841\/229069.html\" target=\"_blank\" rel=\"noopener\">21% of South African SMEs (small and medium size enterprises) are led by women<\/a>. Additionally, female entrepreneurs are said to be more reluctant to seek business borrowing than their male counterparts. Which is unfortunate, because statistics also show\u00a0<a href=\"https:\/\/www.microloanfoundation.org.uk\/lending-women-works\/\" target=\"_blank\" rel=\"noopener\">women are generally more reliable than men when it comes to their borrowing<\/a>.<\/p><p>Swoop works with trusted lenders who understand the lack of representation and difficulty that women face as entrepreneurs and business leaders. These lenders offer loan products specifically designed for women in business \u2013 secured, unsecured, merchant cash advance and more. Female borrowers may also benefit from lower interest rates and fees.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e881bf3 question elementor-widget elementor-widget-heading\" data-id=\"e881bf3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Funding support for BBBEE businesses<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8848b95 answer elementor-widget elementor-widget-text-editor\" data-id=\"8848b95\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>BBBEE stands for Broad-Based Black Economic Empowerment. It is also referred to by the acronym B-BBEE.<\/p><p>BBBEE is a programme which the government of South Africa has put in place to promote an equal-opportunity economy. The goal of BBEEE is to empower previously disadvantaged or discriminated against people the ability to regain the lost ground as a result of their discrimination.<\/p><p>It is important to note the overall goal of the BBBEE programme is to create the country\u2019s best possible economy. Naturally, this is only achievable through inclusion where all citizens are contributing in equal measures.<\/p><p><span style=\"font-size: inherit;letter-spacing: inherit\">There are a number of small loans available to BBBEE-certified businesses only, where a business&#8217; BBBEE scorecard is based on the following criteria (with their respective weighting):\u00a0<\/span><\/p><ol role=\"list\"><li>Equity ownership (25% weighting)<\/li><li>Management control (15% weighting, 4% bonus possible)<\/li><li>Skills development (20% weighting, 5% bonus possible)<\/li><li>Enterprise development (40% weighting, 4% bonus possible)<\/li><li>Socio-economic development (5% weighting)<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0c5d4d question elementor-widget elementor-widget-heading\" data-id=\"d0c5d4d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Small business loans for agriculture\/farming\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b57741d answer elementor-widget elementor-widget-text-editor\" data-id=\"b57741d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Farms and <a href=\"https:\/\/swoopfunding.com\/za\/sectors\/agricultural-loans\/\">agricultural businesses<\/a> work in cyclical industries. Mother nature controls the production line. This can make cashflow and planning more challenging than for other types of business. Swoop understand the ebbs and flows of working with the land and our lending partners have specialist loan products for farms and agricultural businesses to overcome dips between the harvests.<\/p><p>Borrow up to R10m and more to cover cash flow gaps, buy livestock or machinery, make tax payments, hire more staff, refurbish your premises, or make new investments. Plant the seeds to keep your farm growing.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50833c0 question elementor-widget elementor-widget-heading\" data-id=\"50833c0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Can I get a small business loan with bad\/no credit?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d142689 answer elementor-widget elementor-widget-text-editor\" data-id=\"d142689\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Yes. Swoop\u2019s pool of specialist lenders provides loan products designed for borrowers with less than perfect credit. These include merchant cash advances \u2013 where lenders provide funding for businesses that receive payment via a credit card terminal \u2013 and secured loans, where the borrower provides collateral, (such as real estate) to protect the lender from loss.<\/p>\n<p>Even if you have been rejected elsewhere, Swoop may still be able to provide the funding your business needs.\u00a0<a href=\"https:\/\/southafrica.swoopfunding.com\/stage\">Register your business<\/a>\u00a0to find out more.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4fb2360 question elementor-widget elementor-widget-heading\" data-id=\"4fb2360\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Can I get a small business loan without collateral or a guarantee?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98a9300 answer elementor-widget elementor-widget-text-editor\" data-id=\"98a9300\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Yes. If your credit is strong, you may qualify for an unsecured loan, or, if your business receives payment via a credit card terminal, you could consider a merchant cash advance. This type of loan is ideal for those with poor credit. The lender provides a lump sum that\u2019s repaid from customer card receipts. Repayments are made on a daily, weekly, or monthly basis and as a fixed percentage of card payments.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3594fa question elementor-widget elementor-widget-heading\" data-id=\"a3594fa\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Does my business qualify?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c77aa7e answer elementor-widget elementor-widget-text-editor\" data-id=\"c77aa7e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Although no two small business loans are alike, Swoop\u2019s pool of lenders have loans for almost every type of organisation and almost every type of situation. Even if your business has been rejected for a loan elsewhere, we may still be able to provide you with the funds you need.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-83c535d question elementor-widget elementor-widget-heading\" data-id=\"83c535d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How do I apply?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a515ad answer elementor-widget elementor-widget-text-editor\" data-id=\"5a515ad\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Swoop provides small business loans for all types of organisation \u2013 from start ups, sole traders, and contractors to companies with up to 200 employees. Ask for as little as R10,000 all the way up to R10m and more with our discreet application process. Give your business the funding it deserves.\u00a0<a href=\"https:\/\/southafrica.swoopfunding.com\/stage\">Register with Swoop to get started.<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f9dabae elementor-widget elementor-widget-spacer\" data-id=\"f9dabae\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db02d6f elementor-widget elementor-widget-ucaddon_author_page\" data-id=\"db02d6f\" data-element_type=\"widget\" data-widget_type=\"ucaddon_author_page.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n <div class=\"info-user-post\">\n \n <div class=\"left-info\">\n <a href=\"https:\/\/swoopfunding.com\/za\/author\/alastair-woods\/\" aria-label=\"Alastair Woods\">\n <picture loading=\"lazy\" decoding=\"async\" class=\"attachment-large size-large\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/alastair.webp\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/alastair.webp?is-pending-load=1\" alt=\"\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <\/picture>\n <\/a>\n <\/div>\n \n <div class=\"right-info\">\n <div class=\"inner-top\">\n <div class=\"info-top\">\n <a href=\"https:\/\/swoopfunding.com\/za\/author\/alastair-woods\/\" aria-label=\"Alastair Woods\" class=\"link-img\">\n <picture loading=\"lazy\" decoding=\"async\" class=\"attachment-large size-large\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/alastair.webp\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/alastair.webp?is-pending-load=1\" alt=\"\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <\/picture>\n <\/a>\n \n <div class=\"info-title\">\n <p>Written by<\/p>\n <p class=\"name-author\"><a href=\"https:\/\/swoopfunding.com\/za\/author\/alastair-woods\/\">Alastair Woods<\/a><\/h3>\n <\/div>\n <\/div>\n \n \n <\/div>\n <div class=\"info-bottom\">\n <p>Alastair is South African and has a depth of experience in small business financing and strategy. He has led the launch and development of several successful ventures related to fintech, biotech and agriculture. Alastair studied economics and finance at the University of Cape Town, and then went on to complete his Masters at the University of Edinburgh.<\/p>\n <\/div>\n\n <ul class=\"social-links\">\n \n <li><a href=\"https:\/\/www.linkedin.com\/in\/alastair-woods-64635315\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"Linkedin\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/za\/wp-content\/themes\/swoopMW50\/assets\/icons\/icon-linkedin-min.svg\" width=\"30\" height=\"30\" alt=\"Linkedin\">\n <\/a><\/li>\n \n <\/ul>\n\n <div class=\"swoop-promise\">\n <p><strong>Swoop promise<\/strong><\/p>\n <p>At Swoop we want to make it easy for SMEs to understand the sometimes overwhelming world of business finance and insurance. Our goal is simple \u2013 to distill complex topics, unravel jargon, offer transparent and impartial information, and empower businesses to make smart financial decisions with confidence.<\/p>\n <p>Find out more about Swoop\u2019s editorial principles by reading our <a href=\"https:\/\/swoopfunding.com\/za\/about-swoop\/editorial-policy\/\">editorial policy<\/a>.<\/p>\n <\/div>\n\n <\/div>\n <\/div>\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c196a8 elementor-widget elementor-widget-text-editor\" data-id=\"7c196a8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Not sure if your small business qualifies for Government support?\u00a0<a href=\"https:\/\/southafrica.swoopfunding.com\/stage\">Register with Swoop<\/a>\u00a0to find out more.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ea4ef04 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ea4ef04\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8fecdc9\" data-id=\"8fecdc9\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4ac9865 elementor-widget__width-auto elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"4ac9865\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"60\" height=\"33\" src=\"https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/08\/icon-swoop.svg\" class=\"attachment-full size-full wp-image-19975\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ed1cf3 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"5ed1cf3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Create your free Swoop account to easily apply for a small\nbusiness loans<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8836493 elementor-widget__width-auto bt-form-45 elementor-mobile-align-center elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"8836493\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/southafrica.swoopfunding.com\/stage\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Join Swoop<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-4b7d2a7 e-flex e-con-boxed e-con e-parent\" data-id=\"4b7d2a7\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c3e4584 elementor-widget elementor-widget-ucaddon_auto_page_related\" data-id=\"c3e4584\" data-element_type=\"widget\" data-widget_type=\"ucaddon_auto_page_related.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n\n\n\n <div class=\"container-auto-page-related\">\n <p class=\"title-related text-center\">Related pages<\/p>\n <div class=\"auto-page-related\">\n <ul>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/accounts-receivable-financing\/\">Accounts receivable financing <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/aircraft-financing\/\">Aircraft financing <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/apply-now\/\">Apply for a business loan now <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/\">Asset finance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/asset-based-lending\/\">Asset-based lending <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/audio-visual-financing\/\">Audio visual equipment financing <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/bad-credit-business-loans\/\">Bad credit business loan <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/working-capital-loans\/bad-credit-working-capital\/\">Bad credit working capital loans <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/bakery-equipment-financing\/\">Bakery equipment financing <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/boat-financing\/\">Boat financing <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/bobcat-financing\/\">Bobcat financing <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/business-car-finance\/\">Business car finance <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/business-line-of-credit\/\">Business line of credit <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/marketing-loans\/\">Business loan for marketing <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/\">Business loans <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/sectors\/business-loans-for-bed-and-breakfasts\/\">Business loans for bed and breakfasts <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/business-loans-for-software\">Business loans for software <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/loans-for-women\/\">Business loans for women <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/business-loans-with-cosigner\/\">Business loans with a cosigner <\/a>\n <\/li>\n <li >\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/business-refinancing-and-debt-consolidation\/\">Business refinancing and debt consolidation <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/business-restructuring\/\">Business restructuring <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/business-van-finance\/\">Business van finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/cash-flow-loans\/\">Cash flow loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/equipment-leasing\/commercial-equipment-leasing\/\">Commercial equipment leasing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/commercial-equity-line-of-credit\/\">Commercial equity line of credit <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/commercial-finance\/\">Commercial finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/commercial-fleet-finance\/\">Commercial fleet finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/construction-equipment-financing\/\">Construction equipment financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/invoice-finance\/construction-invoice-finance\/\">Construction invoice finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/crane-finance\/\">Crane equipment finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/delayed-draw-term-loan\/\">Delayed draw term loan <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/dental-equipment-financing\/\">Dental equipment financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/dump-truck-finance\/\">Dump truck financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/easy-business-loans\/\">Easy business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/emergency-business-loans\/\">Emergency business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/equipment-appraisals\/\">Equipment appraisals <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/equipment-financing\/equipment-finance-brokers\/\">Equipment finance brokers <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/equipment-financing\/\">Equipment financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/equipment-leasing\/\">Equipment leasing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/excavator-finance\/\">Excavator financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/finance-lease-vs-operating-lease\">Finance lease vs. operating lease \u2013 what\u2019s the difference? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/finance-lease\/\">Finance leasing explained &#8211; what is it? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/flexible-finance\/\">Flexible finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/forklift-finance\/\">Forklift financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/franchise-finance\/\">Franchise finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/equipment-financing\/heavy-equipment-finance\/\">Heavy equipment finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/equipment-leasing\/heavy-equipment-leasing\/\">Heavy equipment leasing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/how-do-small-business-loans-work\/\">How do small business loans work? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/how-long-does-it-take-to-get-a-business-loan\/\">How long does it take to get a business loan? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/startup-loans\/how-to-get-a-startup-loan\/\">How to get a startup loan <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/equipment-financing\/industrial-equipment-finance\/\">Industrial equipment finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/invoice-discounting\/\">Invoice discounting <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/invoice-factoring\/\">Invoice factoring <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/invoice-factoring\/factoring-vs-discounting\/\">Invoice factoring vs. invoice discounting: What&#8217;s the difference? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/invoice-finance\/\">Invoice finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/islamic-business-finance\/\">Islamic business finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/large-business-loans\/\">Large business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/management-buyout\/\">Management buyouts <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/manufacturing-equipment-financing\/\">Manufacturing equipment financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/material-handling-equipment-finance\/\">Material handling equipment financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/equipment-financing\/medical-equipment-finance\/\">Medical equipment finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/equipment-leasing\/medical-equipment-leasing\/\">Medical equipment leasing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/merchant-cash-advance\/\">Merchant cash advance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/merchant-cash-advance\/\">Merchant cash advance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/mezzanine-finance\/\">Mezzanine finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/no-collateral-business-loans\/\">No collateral business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/no-credit-check-business-loans\/\">No credit check business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/no-doc-business-loan\/\">No doc business loan <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/operating-lease\/\">Operating leases explained: What are they? How do they work? <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/purchase-order-financing\/\">Purchase order financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/quick-business-loans\/\">Quick business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/quick-business-loans\/\">Quick business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/best-business-loans-100000-or-less\/\">R100,000 or less business loan <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/invoice-finance\/recruitment-invoice-finance\/\">Recruitment invoice finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/equipment-leasing\/restaurant-equipment-leasing\/\">Restaurant equipment leasing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/revenue-based-financing\/\">Revenue based financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/revolving-credit-facility\/\">Revolving credit facility <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/saas-finance\/\">SaaS finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/same-day-business-loans\/\">Same-day business loan <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/secured-business-loans\/\">Secured business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/self-employed-loans\/\">Self-employed business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/seller-financing\/\">Seller financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/semi-truck-financing\/\">Semi-truck financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/short-term-loans\/\">Short-term business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/small-business-loans\/\">Small business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/soft-asset-finance\/\">Soft asset finance: What you need to know <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/solar-energy-installations\/\">Solar energy installations <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/solar-equipment-financing-for-businesses\/\">Solar equipment financing for businesses <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/equipment-financing\/startup-equipment-finance\/\">Startup equipment finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/supercar-finance\/\">Supercar finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/supply-chain-finance\/\">Supply chain finance <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/equipment-financing\/technology-equipment-financing\/\">Technology equipment financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/term-loans\/\">Term loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/tractor-finance\/\">Tractor financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/tractor-trailer-finance\/\">Tractor trailer financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/unsecured-business-loans\/\">Unsecured business loans <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/asset-finance\/vending-machine-finance\/\">Vending machine financing <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/what-documents-do-you-need\/\">What documents do you need for your funding application? A business owner&#8217;s guide <\/a>\n <\/li>\n <li class=\"hidden_li offscreen\">\n <a href=\"https:\/\/swoopfunding.com\/za\/business-loans\/working-capital-loans\/\">Working capital loans <\/a>\n <\/li>\n <\/ul>\n <div class=\"container_bt\">\n <button class=\"bt_see_more\" href=\"javascript:void(0);\" aria-label=\"See more\">See more<\/button>\n <\/div>\n <div id=\"grey-out\"><\/div>\n <\/div>\n <\/div>\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b8433b2 e-flex e-con-boxed e-con e-parent\" data-id=\"b8433b2\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-52cb844 e-flex e-con-boxed e-con e-child\" data-id=\"52cb844\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-f011e83 e-con-full e-flex e-con e-child\" data-id=\"f011e83\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-133b456 elementor-widget elementor-widget-image\" data-id=\"133b456\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"417\" height=\"125\" src=\"https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/10\/brand_barclays.png\" class=\"attachment-full size-full wp-image-26867\" alt=\"Barclays\" srcset=\"https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/10\/brand_barclays.png 417w, https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/10\/brand_barclays-300x90.png 300w, https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/10\/brand_barclays-54x16.png 54w, https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/10\/brand_barclays-80x24.png 80w\" sizes=\"auto, (max-width: 417px) 100vw, 417px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1b12dff e-con-full e-flex e-con e-child\" data-id=\"1b12dff\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3a6e1e6 elementor-widget elementor-widget-image\" data-id=\"3a6e1e6\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"417\" height=\"125\" src=\"https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/10\/brand_lloyds-bank.png\" class=\"attachment-full size-full wp-image-26896\" alt=\"Lloyds bank\" srcset=\"https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/10\/brand_lloyds-bank.png 417w, https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/10\/brand_lloyds-bank-300x90.png 300w, https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/10\/brand_lloyds-bank-54x16.png 54w, https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/10\/brand_lloyds-bank-80x24.png 80w\" sizes=\"auto, (max-width: 417px) 100vw, 417px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3dbb583 e-flex e-con-boxed e-con e-child\" data-id=\"3dbb583\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-bdf2097 e-con-full e-flex e-con e-child\" data-id=\"bdf2097\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9a22843 elementor-widget elementor-widget-image\" data-id=\"9a22843\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"417\" height=\"125\" src=\"https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/10\/brand_starling-bank.png\" class=\"attachment-full size-full wp-image-26899\" alt=\"Starling Bank\" srcset=\"https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/10\/brand_starling-bank.png 417w, https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/10\/brand_starling-bank-300x90.png 300w, https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/10\/brand_starling-bank-54x16.png 54w, https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/10\/brand_starling-bank-80x24.png 80w\" sizes=\"auto, (max-width: 417px) 100vw, 417px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3748742 e-con-full e-flex e-con e-child\" data-id=\"3748742\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fbfa7ca elementor-widget elementor-widget-image\" data-id=\"fbfa7ca\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"417\" height=\"125\" src=\"https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/10\/brand_natwest.png\" class=\"attachment-full size-full wp-image-26870\" alt=\"NatWest\" srcset=\"https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/10\/brand_natwest.png 417w, https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/10\/brand_natwest-300x90.png 300w, https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/10\/brand_natwest-54x16.png 54w, https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/10\/brand_natwest-80x24.png 80w\" sizes=\"auto, (max-width: 417px) 100vw, 417px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5f292b2 e-flex e-con-boxed e-con e-child\" data-id=\"5f292b2\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-812ac24 e-con-full e-flex e-con e-child\" data-id=\"812ac24\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4c290f2 elementor-widget elementor-widget-image\" data-id=\"4c290f2\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"417\" height=\"125\" src=\"https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/10\/brand_funding-circle.png\" class=\"attachment-full size-full wp-image-26895\" alt=\"Funding Circle\" srcset=\"https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/10\/brand_funding-circle.png 417w, https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/10\/brand_funding-circle-300x90.png 300w, https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/10\/brand_funding-circle-54x16.png 54w, https:\/\/swoopfunding.com\/za\/wp-content\/uploads\/sites\/7\/2022\/10\/brand_funding-circle-80x24.png 80w\" sizes=\"auto, (max-width: 417px) 100vw, 417px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0584bb9 e-con-full e-flex e-con e-child\" data-id=\"0584bb9\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1d3686a elementor-widget 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header to begin generating the table of contents Page written by Alastair Woods. 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Last reviewed on October 24, 2024. Next review due March 1, 2026. Alastair Woods South Africa Lead Alastair is South African and has a depth of experience in small business financing and strategy. He has led the launch and development of several successful ventures related to fintech, biotech and agriculture. Alastair studied economics and finance at the University of Cape Town, and then went on to complete his Masters at the University of Edinburgh. 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