| Feature | FundingHub | Retail Capital | Lulalend | Standard Bank SME |
|---|---|---|---|---|
| Type | Marketplace | Direct Lender | Direct Lender | Traditional Bank |
| Offers | 30+ Lenders | Single | Single | Single |
| Max Amount | R20m+ | R5m | R5m | R10m+ |
| Speed | 24–48h | 24h | 24h | 3–7 days |
| Flexibility | High | Medium | Medium | Low |
FundingHub offers the broadest range of choices, while direct lenders like Retail Capital or Lulalend provide faster single-source decisions. Standard Bank is best for large-scale, low-interest long-term debt.