Business loan calculator

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This business loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Why Choose Bridgement?

Bridgement is a top choice in South Africa for small and medium businesses needing money fast and easy. They’re quicker and more relaxed than regular banks, and lots of people—thousands, actually—trust them to help out. Here’s why they’re so popular:

1. Quick and Easy Access to Funds

• You can fill out their online form in under 2 minutes—no piles of papers to mess with.
• They usually say yes or no within a day, so you get the cash almost right away.
• Banks can take weeks to sort things out, but Bridgement gets it done fast—no dragging their feet.

2. Flexible Loan Amounts and Repayment Terms

• You can borrow anywhere from R10,000 to R5 million, depending on what your business needs and how it’s doing.
• They don’t lock you into strict payback dates—you pay based on what money’s coming in, so it’s easier to manage.
• Banks want the same payment every month no matter what, but Bridgement bends a bit to help you out.

3. No Collateral Required

• You don’t have to risk your house or car to get a loan—Bridgement keeps it simple and doesn’t ask for that stuff.
• That’s a big deal if your business doesn’t have extra things to put up—it makes getting money less scary.

4. A Data-Driven and Fair Assessment Process

• Bridgement looks at how your business is doing right now—like the money you’re making—not just old credit scores.
• They check your cash coming in and out, so even if you haven’t been around forever, you might still get a loan.
• Over 7,000 businesses here in South Africa have gotten help this way—they keep it fair and simple.

5. Cost-Effective and Transparent Fees

• Bridgement sticks to one clear fee—no extra surprises sneaking up on you later.
• You know exactly what you’ll pay from the start, not like banks where you’re guessing about hidden costs.

6. Trusted and Proven Financial Partner

• Since they started, Bridgement’s given money to all kinds of businesses—shops, factories, even office folks.
• They’ve got a solid history of helping small businesses grow, and tons of people come back for more when they need it.

Bridgement’s a great pick if you want business funding that’s fast, easy, and doesn’t tie you in knots. They use what they see about your business today to say yes, don’t make you risk your stuff, and get cash to you in as little as a day. With no hidden fees and a history of helping thousands, they’re a friendlier way for South African businesses to get the money they need to keep going or get bigger.

Bridgement FAQ

What types of business loans does Bridgement offer?

Bridgement hands out loans that don’t make you risk your house or car—they’re easygoing like that. You can use the money to keep your business running smoothly, pay for things like stock or rent, or whatever else you need to keep things going.

Can I apply for a loan if I’m a startup?

Sure, you can give it a shot even if your business is newish, but Bridgement likes it to have been around for at least 6 months. They also want to see you’ve got some regular cash coming in—like about R75,000 a month—so they know you’ve got a bit of a footing.

Do I need to provide collateral for a loan?

No, you don’t have to put up anything like your stuff to get a loan from Bridgement. They’re more interested in how your business is making and spending money every day than asking for something to hold onto.

How does Bridgement assess my business’s financial health?

Bridgement looks at how much money your business brings in and what you’re spending it on—that’s their main thing. They’ll ask for your bank statements or some papers about your money to see what’s really happening with your cash.

Can I use the loan for any business expenses?

Yep, you can use the loan money however your business needs it—buying stuff to sell, fixing things up, paying the bills, whatever keeps you going. It’s your call.

Is there a minimum or maximum loan term?

How long you’ve got to pay back depends on how much you borrow and how your business is doing. Bridgement sets it anywhere from 1 month to 12 months—that’s the usual range they go with.

How often can I apply for a business loan with Bridgement?

You can ask for a loan as many times as you want—Bridgement doesn’t mind. They just like it when you’ve paid them back well before, so they know you’re good for it.

Can I apply for a loan if my business is not registered in South Africa?

Nope, your business has to be signed up and working right here in South Africa to get a loan from Bridgement—they stick to helping local people.

How does Bridgement handle loan renewals or extensions?

If you need a bit longer to pay or want more money, just let Bridgement know. They’ll check how your business is holding up and might give you extra time or a new loan that fits better.

Will applying for a loan affect my business’s credit score?

Bridgement doesn’t usually poke around in a way that messes up your credit score—they care more about how your business’s money is flowing than your credit report.

Can I apply for a loan if my business has an outstanding loan with another provider?

Yeah, you can still apply even if you’ve got a loan somewhere else. Bridgement just wants to make sure your business is steady enough to pay both without tripping over.

What happens if I can’t pay my loan on time?

If you miss a payment, talk to Bridgement quick—they’ll try to sort it out with you. But if you don’t say anything, you might get hit with a late fee, like an extra 1.5% a month, or some other hassle.

Can I pay back the loan earlier than agreed without penalty?

Absolutely, you can pay it off early if you’ve got the cash—Bridgement won’t charge you extra. They’ll even cut a bit off what you owe, like a little thank-you for being ahead.

Does Bridgement offer loans to businesses in all industries?

Bridgement helps out all sorts of businesses—shops, builders, whatever—but they really click with ones that have money coming in steady every month, like R75,000 or more.

How can I track the status of my loan application?

You can check what’s up with your loan by popping into your Bridgement account online—they’ve got a spot there to see everything. They’ll also send you emails to keep you in the loop.

What happens if I need more funds after I’ve already received a loan?

If you need more money later, just ask Bridgement for another loan once you’re doing alright with the first one. They’ll look at how you’re managing and see if they can help out again.

Are there any hidden fees with Bridgement loans?

No sneaky costs with Bridgement—they tell you straight up what you’ll pay, so there’s nothing popping up out of nowhere.

Can I refinance an existing loan with Bridgement?

Bridgement doesn’t usually redo a loan you’ve got, but if you’re keeping up with them, you can ask for a new one to cover what you need—they’ll start fresh.

How secure is my business’s financial data when applying for a loan?

Bridgement keeps your info locked up safely—they use fancy tech to make sure no one else can snoop around while you’re applying.

 

Bridgement Application

Bridgement makes getting money for your SME fast and simple—no big headaches here. They’ve set it up so you can get cash without waiting around forever. Here’s what you need to know about who can apply, what they ask for, and how it all happens.

Do I qualify for business funding with Bridgement?

Bridgement has a few things they check to see if your business can get a loan:

• Your business has to be signed up and working in South Africa—not somewhere else.
• You should be making at least R500,000 a year—Bridgement wants to know you’ve got some money coming in.
• Your business needs to have been going for 6 months or more—so they see you’re not just starting from scratch.
• You’ve got a business bank account just for your company—not mixed up with your personal stuff.

They’re not as picky as regular banks—Bridgement cares more about how much money your business makes and spends every day than just looking at your credit score.

What are the requirements?

Bridgement keeps it light on what they need from you:

• Some basic info about your business—like its official papers and what kind of work you do.
• Your business’s bank statements—so they can see the money going in and out.
• If you use accounting apps like Xero, QuickBooks, or Sage, you can let them peek at that too—it’s not a must, but it speeds things up.

You don’t have to dig out piles of papers, write a big plan, or risk your house—they keep it nice and easy.

Application

Bridgement’s way of giving you a loan is one of the quickest around in South Africa—here’s how it goes:

1. Apply Online (2 minutes)
   You go to Bridgement’s website, fill out a short form with your details, and send them your latest bank statements—or hook up your accounting app if you’ve got one.
2. Business Assessment (A few hours to 24 hours)
   Bridgement takes a look at how much money your business makes and spends—they usually figure it out fast, within a day at most.
3. Receive an Offer & Accept (Same day as the check)
   If they’re happy with what they see, Bridgement sends you a deal—how much money you’ll get, how long you’ve got to pay it back, and what it’ll cost. You say yes when it feels right, all on the same day.
4. Get Funded (Within 24 hours after saying yes)
   Once you agree, Bridgement puts the cash straight into your business’s bank account—usually within a day—so you can start using it for whatever you need.

Bridgement is all about making it simple and quick for small South African businesses to get the cash they need. You apply online, they say yes fast, and you don’t have to put up anything you own—no fuss at all. It’s a friendly way to get help when your business could use a boost.