Cash Flow Capital is an alternative lending company headquartered in Pretoria, Gauteng. Cash Flow Capital was created by two brothers after they discovered that traditional financial institutions were not meeting the capital needs of small-sized businesses. Traditional funding methods through banks have inconvenient and lengthy lending processes that can take months. Even then, the approval rate is extremely low. Cash Flow Capital found a simple solution.

At Cash Flow Capital, you’ll receive a financing solution that’s tailored to your unique business needs. Whether your business needs Working Capital or Alternative financing, you’ll always have a business partner in Cash Flow Capital.

Here’s how Cash Flow Capital works: First, take five minutes to apply online with some basic information about your business. Once approved, you can review your offer and term for your cash advance. Afterwards, funds will be transferred within 24–48 hours from the time your application is submitted. As simple as that.

We want to make business lending as easy and transparent as possible. Along with some of the industry’s best rates, we also offer:

Accessibility: We generally approve applications on the same day, and we can arrange for you to get your funds within as fast as 24 hours.

Efficiency: Our online application takes just a few minutes. No, seriously!

Flexibility: Our terms are flexible. We offer a customized payment schedule depending on your solution and individual business needs. We also don’t place restrictions on the funds that you receive. Need to renovate? Or expand your inventory? You can use your funds for whatever you need.
Ready to apply? Fill out our online application and get funded today!

Cash Flow Capital offers a variety of financing solutions for small businesses. We currently offer financing solutions including Working Capital, Consolidation, and Alternative Working Capital solutions. Businesses that we back use funding for different business purposes.

These include:
Replenishing inventory Business, Renovation/expansion Paying off existing debt, Improving business credit, Growing marketing efforts, Purchasing new equipment/materials and Operational capital/General cash Flow.

Working Capital is money available to a company for day-to-day operations. Working Capital is a great alternative for small businesses to continue their daily operations despite an inability to cover operating expenses. Generally, a Working Capital injection requires no collateral, no down payment, has quick approval times and no limits to what your funds are used for. At Cash Flow Capital, we take it one step further by offering a discount if you were to settle your payments early.

Generally, Cash Flow Capital can provide feedback within 24 hours of receiving an application. However, we sometimes require additional documentation to support the application.

The payback period of our advances ranges between 4 to 12 months. Business loans and advances could also have terms that are either longer or shorter, depending on the needs of our clients.

Our business advances are unsecured and can be used for any business purpose, including Working Capital, stock purchases, cash flow and business expansion.

Generally, Cash Flow Capital can provide feedback within 24 hours of receiving an application. Take note that sometimes we do require additional documentation to support an application.

Consolidating business debt from multiple Working Capital providers is a way to streamline your debt repayment into a single payment. Cash Flow Capital will pay off the other providers, so you only make payments to one company.

Pre-qualify in as little as 5 minutes without impacting your credit score. Simply provide basic information online, and we’ll let you know if you pre-qualify for your needed solution. Tell us how you plan to use your funds and provide financial information about your business and its owners. Upload requested documents to complete your application. We’ll review your financials to confirm your business has the cash flow to afford loan payments. Funds can then be in your bank account as fast as the same day your application is completed.

Your interest rate will be determined based on our proprietary underwriting process. Our underwriters consider factors including affordability, credit scores, and financial analysis

In order for our underwriters to qualify your business for a certain financing solution, we will need the following documents: Application and previous three months bank statements. Further documentation, such as your financials and your lease agreement will be needed when we conclude the contract.

Generally, funds can be deposited into your account within 24 hours.

Unfortunately, we do not provide venture capital or personal loans for new ventures.

Cash Flow Capital offers a variety of financing solutions for your small business. For your business to qualify for Cash Flow Capital financing, your business must meet the following requirements: Minimum 6 months in business, must be a “for-profit” business and have a minimum monthly revenue of R300,000.00.

We are currently funding everywhere in South Africa.

At this time, we are unable to serve non-profit organizations, construction companies or logistics companies.

Cash Flow Capital advances are unsecured. We are diversifying our current offering and, we can provide you with secured loans or asset-backed finance.

You should have an existing business that has been operational for more than 6 months. Additionally, your sales should be more than R300k per month. Unfortunately, we do not provide venture capital or personal loans for new ventures.

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