Rating based on 18 reviews

Cash Flow Capital


  • Business loans up to R1,000,000
  • Low-interest starting from 32%
  • Repayment up to 60 months

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Cash Flow Capital homepage

Author Cash Flow Capital. Screenshot of Cash Flow Capital website. [Accessed April 30, 2018]

About Cash Flow Capital

We are a reliable provider of flexible business loans that take into account your needs and financial status as a unique entity.

We don’t believe in the "one size fits all" rule and are especially skilled in offering support and finance to non-traditional businesses who don't fit the mould.

Getting to know you and developing a relationship

At Cash Flow Capital we believe that developing long term, sustainable and mutually beneficial relationships with our customers is what truly sets us apart from our competitors. We take the time to get to know you and to understand your business and it's needs before tailoring a business loan just for you.

What Cash Flow Capital can offer you

We offer affordable business finance to small, medium and large South African businesses that are tailored to your business turnover.

This means that we do not offer a fixed loan term but will have you repay your loan via a direct debit order which will take a percentage of your daily turnover.

What you can use a cash flow capital loan for

We do not place restrictions on what you can use you business loan for - be it an expansion, to purchase stock or new equipment or for working capital our unique products are designed to be flexible enough to cover a range of purposes. Our fast approval loans range from R 50,000 to R 1 million and over.

Cash Flow Capital Business loans

  • Loan Type Business loans
  • Interest Rate from 32%
  • Loan Amount up to R1,000,000
  • Repayment 160 days to 60 months
  • Decision 5 minutes

Benefits of Cash Flow Capital

  • Apply within 5 minutes
  • Apply in 3 easy steps
  • Business finance for small businesses

Business loans calculator


The interest rate of a loan will vary based on your credit score and risk profile.

This loan calculator is for illustration purposes only.
The use of this Online loan calculator is subject to our terms of use.

Get your tailored business finance solution online

In order to apply for a business loan with Cash Flow Capital, you must own an existing business that is currently operating and generating a stable turnover.

To find out if you qualify you can fill in our quick qualification assessment form on our website. This will ask you how long you’ve been in operation, your current annual turnover and how much you're looking to borrow.

Apply online or call us

To apply for a business loan you can call us during business hours and our consultants will assist you to launch an application. You can also find out more about our loan products and find out if we have a suitable solution for your business and if you qualify. You can also apply for a loan online and we will typically approve and credit the money within 72 hours.

Can I apply for two business loans at the same time?

Applying for two business loans in one thing, getting approved for the actual business credit plan is an entirely different ball game. We have to check whether you can afford a secondary advance before we approve your credit request.

It is important that your business performs favourably so that qualifying for two loans doesn’t prove to be difficult. On the other hand, if we see that the organization isn’t doing all too great, we might have to decline your loan application.

The last thing we want is to bombard you with unnecessary loans that will only stain your credit profile. As an entrepreneur, you have to do everything you can to protect your credit profile. In essence, you will never know when you might need a loan in the future so it is important that your credit profile is always of a good report.

When can I pay my business loan?

The client can decide on a debit date that is suitable for his budget. It is the responsibility of the customer to always ensure that there is sufficient money on their bank account on the agreed upon debit order date.

Customer Reviews & Testimonials

July 2018

Applying for a business loan at Cash Flow Capital was easy and convenient.

Siboniso M
— Belfast —

February 2019

The time it took for the Cash Flow Capital agents to get back to me after my business loan application was only a few hours.

Mavel B
— Krugersdorp —

March 2019

Thanks to Cash Flow Capital, I was able to open my business and live my dream!

Samantha K
— Randfontein —

Cash Flow Capital Contact Details

Physical Address

Opening Hours

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