FundingHub

FundingHub Business Finance Terms & Rates in 2026

## FundingHub — broad terms before you pick a lender FundingHub publishes ranges, not a single tariff schedule. Every figure below describes what partner funders commonly offer through the marketplace; your signed contract comes from whichever bank or alternative lender you accept. ### Headline parameters | Parameter | Marketplace range | |---|---| | Loan amount | R50,000 to R20,000,000+ | | Interest | Prime-linked or fixed, from roughly 15% p.a. depending on risk | | Term | 3 months to 60 months | | Security | Unsecured, asset-backed, or personal guarantee | | Bureau partners | TransUnion SA / Experian SA (varies by funder) | Rates move with prime, sector risk and whether you pledge equipment or receivables. Invoice discounting and merchant cash advances follow product-specific pricing that may not quote a simple annual percentage rate on the first screen. ### Eligibility gates - Minimum six months trading history (one year preferred on file) - Minimum monthly turnover around R30,000 - Registered South African entity such as a Pty Ltd or CC - Clean credit standing for the company and its directors FundingHub itself connects you with NCR-registered credit providers; Finch Technologies operates the marketplace rather than issuing the final agreement. ### Paperwork pack Prepare six months of business bank statements, CIPC registration extracts, a copy of the director's ID and annual financial statements when the requested amount is large. Larger tickets trigger deeper review of cash flow and balance-sheet strength. ### Regulatory framing All disbursements and repayments run under the National Credit Act once you proceed with a named lender. FundingHub performs matching and document routing; affordability assessments, initiation fees and monthly service charges appear on the funder's pre-agreement disclosure. ### Practical reading tip Compare total cost of credit across quotes, not headline rate alone. Secured lines may price lower but tie up assets. Unsecured working-capital facilities trade speed for higher margins. Merchant cash advances repay through card split flows rather than fixed monthly instalments.

Main Conditions

Borrower Requirements

• •Minimum 6 months of trading history (1 year preferred)
• •Minimum monthly turnover of R30,000
• •Registered South African business entity (Pty Ltd, CC, etc.)
• •Clean credit record for the business and its directors

Required Documents

• 📄Last 6 months of business bank statements
• 📄Annual Financial Statements (for larger loan amounts)
• 📄Copy of Director's ID
• 📄Company registration documents (CIPC)