Rating based on 87 reviews

Cashflow Capital

  • Apply fast online
  • Online loan approvals
  • Flexible repayments

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Cashflow Capital homepage
Author Cashflow Capital. Screenshot of Cashflow Capital website.
[Accessed January 31, 2023]

Cashflow Capital - Affordable financing for your business

Do you need to start a business but don't have the finances? Cashflow Capital can help.

They are situated in Pretoria and were started by two target-driven brothers Xan and Michail Myburgh that had a passion for business. The company began after they discovered that most financial institutions could not meet the requirements of small businesses.

More than 1 billion in loans from Cashflow Capital have assisted small businesses in South Africa. Today they even have a branch in Texas.

Economical and fast Business loans

Cashflow Capital will offer you the most affordable small business loans. Their goal is to make business finance as effortless and hassle-free as possible.

Cashflow Capital offers you the best financial solutions

With their hands-on experience, they will find you the best small business loans South Africa has to offer.

They have made it their mission to meet the standards and requirements of small businesses so that they can grow from strength to strength. Whether you need capital or financing, you will always have a business partner in Cash Flow Capital.

Innovative financing solutions

Cashflow Capital is the first step for many owners to get their businesses established.

You can simply contact any of their branches to discuss financing for your business. Funding amounts and terms will depend on your business profile and turnover.

If you want a detailed amount, you can use the sliding scale online where you can preselect the loan amount and term you wish to repay.

Business cash in advance

Cashflow Capital offers loans based on the turnover amount rather than you're worth in assets. All costs will be completely transparent and are presented up front and the repayment will be flexible to suit the business.

What a Cashflow Capital Business loan can be used for

These loans are used to help businesses expand, to purchase new stock, upgrades, renovations and to purchase new equipment.

What is working capital

Working capital is money available to a company to be used for day-to-day operations. It is a great way for small businesses to continue their daily operations and cover operating expenses.

No collateral or upfront payment is needed, and their approval times are quick. The funds can be used for anything, there will be no limits, and you will be offered a discount if your payments are settled early.

Cashflow Capital – Business loan

  • Loan Type Business loans

Benefits of Cashflow Capital

  • Fast loan response
  • Reliable business finance 
  • Competitive interest rates

Business loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This business loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Cash Flow Capital has successfully grown and develops SME’s in South Africa

If you apply with Cashflow Capital, you can expect to have access to the finance you applied for within 48 hours.

The application process is simplified, and it can be done completely online. There is no need to fill in endless paperwork or leave your house to go to the bank.

Your application status is decided within hours of your submission. If you meet the requirements, you have a good chance of getting approved for a loan.

Requirements to apply for a loan

A completed online loan application form and 3 months’ bank statements. You will also have to supply them with the most recent financial report of your company and upload the lease agreement.

Follow these easy steps to apply for a Small business loan

Step 1:

Go onto their website to fill in the online application form, it will only take you a few minutes to complete.

Step 2:

Sit back and relax as they check your application and make sure everything is in order. Once they have come to a decision, you will receive correspondence.

Step 3:

As soon as the application has been approved, funds will be transferred to your account.

3 straightforward questions to see if you qualify for funds

  • Do you have an existing business?
  • Is your business operational for longer than 6 months?
  • Does your turnover exceed R300,000 per month? 

If you answered yes to all 3 questions, then you can apply for a small business loan.

Benefits when you partner up with Cashflow Capital

  • Fast loan response.
  • Reliable business finance.
  • Competitive interest rates.
  • Friendly and helpful staff.
  • Safe and secure online application.

Customer Reviews & Testimonials

April 2019

If your business is an SME like mine, I would highly recommend Cashflow Capital for your financial needs. They are professional, knowledgeable and take the time to know you and your business so t...

Mark W
— Durban —

January 2019

The online application made things easier and the turnaround time was also really fast- I had the funds in a day and a half.

Isabelle S
— Pretoria —

May 2021

The online application made things easier, and the turnaround time was also fast, I had the funds in a day and a half. Thank you Cashflow Capital for helping me make my dreams come true.

Oliphant C
— Nelspruit —

August 2021

I was so impressed by the staff and how they handled my application. I would recommend anyone that has a business to use Cashflow capital when it comes to financing.

Makana Y
— Durban —

Cashflow Capital Contact

Contact Number


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Physical Address

  • 186 Corobay Ave, Waterkloof Glen Pretoria Gauteng 0010 South Africa
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Opening Hours

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