Apply for a loan between R25,000 and R500,000

To qualify, you’ll need a registered business operating for 12 consecutive months, have a business bank account, a minimum turnover of R84K p/m or R1m p/a, and be South African owned.

1+ years

Time in business

R1million+

Annual Revenue

Business Bank

6 months+ account history

South Africa

Location

Apply in ten minutes

STEP 1 – Apply online

Apply online in 10 minutes

Get your decision fast. No paperwork, no waiting period, no commitment.

STEP 2 – Get decision

Receive an offer in 24 hours

Our team will contact you.

STEP 3 – Funds paid into account within 24 hours post contracting

Funds into account in 24 hours

Get funds in your bank account within 24 hours of a successful application.

STEP 4 – What will you pay?

Pay loan on your own terms

Repay as soon as you like and save.
No early repayment penalties.

Use our business funding calculator to work out what your repayments will be over 3, 6, 9 or 12 months – or repay early and save.

How much will a business loan cost?

R

**Note: For exceeding 120 no. of payments, a group of 12 payments will be combined into a single payment number for better chart visibility.

Period Payment Interest Balance

Calculator Disclaimer

The repayment amount shown using this calculator is an estimate, based on information you have provided. It is provided for illustrative purposes only and actual repayment amounts may vary. To find out actual repayment amounts, contact us. This calculation does not constitute a quote, loan approval, agreement or advice by CDI Capital. It does not take into account your personal or financial circumstances.

Testimonials

Download the FAQs

The following industries are excluded:

  • Tobacco, liquor, gambling, sex trade
  • Armaments
  • Speculative real estate
  • Leveraged buy-out funds:
    • Hedging
    • Borrowings
    • Ventures inconsistent with the mandate of CDI Capital
    • Loans to partners, the fund managers, their employees and affiliates, except for members of Financial Sector Charter
  • Any business involved in illegal trade
  • Any business whose trade or operations may prejudice the reputation and good standing of CDI Capital
  • Any political organisation
  • People under debt review
  • Any business having directors (or equivalent) who are un-rehabilitated insolvents individuals
  • Technically insolvent businesses and individuals

Clients applying for financial assistance from CDI Capital must fulfil the following requirements:

  • South African citizens with valid South African Identity Documents or legal entities controlled by South African Citizens with valid South African Identity Documents or permanent residents who hold a valid RSA ID document;
  • Be legally constituted including sole traders with a fixed physical address;
  • Must have the necessary contractual capacity;
  • The controlling interest of the enterprise for an applicant which is a juristic person (51% of the issued ordinary share capital) must be held by South African citizens with valid South African Identity Documents or a South African Registered legal entity itself controlled by South African citizens with valid South African Identity Documents;
  • All business operations, including but not limited to projects, programs or enterprises, must be operated within South Africa;
  • The enterprise must be compliant with generally accepted corporate governance practices appropriate to the client’s legal status;
  • Have completed official loan application forms;
  • Have a written proposal or business plan that meets the requirements of CDI Capital’s loan application criteria;
  • Have provided all initial and supporting documentation for application in a professional manner;
  • Demonstrate the character and ability to repay the loan;
  • May incur debt in terms of relevant legislation;
  • Have provided personal and / or credit references;
  • Be owner manager;
  • A trust that has within the trust deed the power to borrow money and pledge assets as security and to give surety for borrowing.
CLICK HERE TO APPLY