| Feature | Lula | FundingHub | Retail Capital | Merchant Capital |
|---|---|---|---|---|
| Type | Direct Fintech | Marketplace | Direct Fintech | Direct Fintech |
| Max Amount | R5,000,000 | R20,000,000+ | R5,000,000 | R5,000,000 |
| Decision Speed | < 24 hours | 24–48 hours | < 24 hours | < 24 hours |
| Repayment | Monthly/Weekly | Varies | Daily Split | Daily Split |
| Product Range | Fixed & Revolving | Full Market | Lump Sum | Lump Sum |
Lula stands out for offering both a revolving facility and fixed-term funding, whereas competitors like Retail Capital often focus purely on sales-linked split funding.