Business funding up to R1 million+
Explore business funding for purchase orders, bridge finance, operational costs, projects and qualifying start-ups, structured around your business cashflow and repayment source.
Funding amount, repayment term and approval depend on the selected product, business assessment, affordability, cashflow and supporting documents. Terms and conditions apply.
Business funding quick facts
Five funding options
Choose from purchase order, bridge, operational cost, project and start-up finance.
Facility size varies
Funding is structured around the product type, contract value, receivable, business cashflow or project scope.
Terms matched to your business
Repayment may be linked to your cashflow cycle, expected receivable, contract period or project timeline.
Online application
Start your application online and submit the relevant business and funding information.
Is business funding right for you?
Your business may qualify if it:
- is registered and operational
- has a clear funding purpose
- can provide business and financial documents
- has identifiable cashflow, contracts, receivables or another repayment source
- can demonstrate reasonable repayment capacity
- needs funding to fulfil a contract, manage costs, complete a project or support growth
Start-Up Finance
Developmental funding for qualifying township and rural SMEs
Start-Up Finance has additional qualifying criteria for emerging SMEs operating within township and rural communities. The business must demonstrate existing operational activity, employment and reasonable sustainability and repayment capacity.
Who it's for
Your business may qualify if it:
- operates within a township or rural community
- is already trading, typically for up to 3 years
- can show existing operational activity
- employs people or supports livelihoods
- can demonstrate reasonable sustainability and repayment capacity
What it can help with
Practical funding for a growing business:
- stock and inventory to grow trading
- equipment, tools or basic machinery
- setting up or expanding operations
- materials to fulfil orders or contracts
- operating costs that support sustainability
What we look at
The assessment focuses on activity and sustainability rather than a long financial history. A consultant reviews your operational activity, employment, sustainability and repayment capacity.
Good to know
Funding is subject to assessment, affordability and approval. A consultant will explain the terms before you commit. Applying does not guarantee approval.
Funding structured around your business needs
The right facility depends on what the funding is for, how the business operates and where repayment will come from.
Business documents to have ready
Select your funding option to see the documents that may apply. Requirements depend on facility size and assessment.
- CIPC company registration documents
- Certified IDs of directors or owners
- Recent business bank statements
- Business profile
- Signed contract or purchase order
- Supplier quotations
- Customer or supplier agreements, where applicable
A consultant will confirm exactly what's needed for your funding option and facility size.
How it works
Submit your application and supporting documents online. Tirhelo then reviews your business, funding purpose and proposed repayment source before confirming the outcome or next step.
Apply online
Select the funding option that best matches your business need and complete the application with your business, financial and contact information.
Submit your documents
Upload the required company, financial and funding-specific documents, such as bank statements, contracts, invoices, budgets or quotations.
Assessment and next step
Your business, cashflow and supporting information are assessed. Contracts, receivables, projects or operational activity may be verified, and you receive confirmation of the outcome or next step.
A site visit, enhanced due diligence or further information may be required depending on the funding product, facility size and risk assessment.
Still have questions?
Clear answers about business funding options, requirements and what happens next.
Need help with business funding?
A Tirhelo consultant can help you understand which funding option may suit your business and what to submit.
Call us
012 740 7427
A consultant can help route your business enquiry to the right next step.