Rating based on 64 reviews

Express Business Capital

  • Working capital
  • Business cash advances
  • Tailormade repayment

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Express Business Capital homepage
Author Express Business Capital. Screenshot of Express Business Capital website.
[Accessed December 12, 2022]

About Express Business Capital

Their business loans work differently as they lend your business money based on your future revenue.

As your business makes a profit you can repay your loan so that you're not put under extra pressure.

The business was founded to give South African businesses that may not qualify for a business loan the opportunity to obtain funding against the future profit that their business will make.

Their aim is to invest in the future of South Africa by helping small businesses grow.

Secure your loan with your future profits

The amount of money that your business will qualify for will depend on your recent turnover and your estimated future sales.

Once you qualify the quick loan will be paid into your bank account within 3 days of applying.

To repay the loan they implement the pay-as-you trade system, as your business generates a profit you can use that money to repay your loan.

They offer a wide range of different business finance solutions so there's something that'll suit your requirements.

Express Business Capital Services

Their service is different from traditional banks because they're not a bank.

Their process and methods are completely different and they're there for your every need.

When you don’t have extra money for loan payments, their option to pay as you trade will be exactly what your business requires. Their aim is to keep your business running smoothly so they perform a quick assessment to determine the financial health of your business and let you know if you qualify.

Apply for future funding

Their business loans allow you to apply for future funding if you need it by using their re-advance option. You'll know exactly how much you need to pay as their contracts are completely transparent with no hidden fees or other charges.

Their rapid approval rate has a fast time of just 96 hours and your business assets remain completely safe. The repayment terms on their business loans are very flexible and you can make extra payments whenever you like, without the risk of penalty fees.

If your business is seasonal they can arrange that you pay back your long or short-term loan during the time your company makes the most money and you can hold off on payments during the quiet months.

Express Business Capital – Business loan

  • Loan Type Business loans
  • Decision 72 hours

Benefits of Express Business Capital

  • Flexible repayment options
  • Quick and easy loan applications
  • Tailormade payment plans

Business loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This business loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

They would like to help your business thrive

You can decide what you would like to spend your loan on and how it'll best benefit your business, as part of the loan package you'll receive mentorship and guidance from one of their experts.

They are there to form a relationship with you and offer you assistance to help your business thrive and grow.

Instead of just lending your business money as a loan they aim to establish a lasting partnership that'll be beneficial to all parties involved. This is known as a merchant cash advance or instant loan. With this loan, you can continue to grow your business and make it a great success.

Types of funding for your business

Other than a merchant cash advance loan there are other types of business loans available.

Their Express Business Capital loan allows businesses a cash advance that is secured by your turnover. As you trade and make a profit you'll be able to pay the agreed-upon percentage of the loan repayments. This allows your business to continue trading until you're able to make a profit to repay your loan.

To apply for this type of business finance is very simple:

  • Complete the online loan application form using your personal details, this will only take a few minutes to complete.
  • their experts will review your application and decide if your business will benefit from this solution.
  • Their payouts are quick, if you're approved you could get the money paid into your account within 3 days

Partnering with them to make your business succeed

Another great option that they offer is their Express Capital Partner Investment. With this option, they invest in your business by purchasing an equity stake in your business.

Once they've invested in your business their team of experts will help you grow your business and make it as successful as possible, as they're now a shareholder. They'll assist you by taking a more hands-on approach in order for your business to succeed.

The way they help your business succeed

Once you apply for this business loan option, they'll conduct a thorough assessment of your business and decide if they would like to invest in it. Once the due diligence is complete and they've decided to grant your loan they'll enter into a shareholders agreement with you.

If you would like to exit the deal at a later stage they have built-in an option to buy out their stake in your business when you're ready to branch out on your own again.

By purchasing a stake in your business they're able to help you grow your business at a much faster rate so that you're able to make more profit.

Customer Reviews & Testimonials

May 2019

The service that we have been given for our company has really made us want to come back to them and we will never go anywhere else.

Jeffrey S
— Cape Town —

May 2019

When we phoned to get information they took the time to help us get the answers we needed.

Simpiwe J
— Johannesburg —

May 2019

They have helped us and advised us how we can make improvements to our company to run at a profit and not a loss.

Johnny E
— Cape Town —

Express Business Capital Contact

Physical Address

  • 23 George Storrar Dr, Groenkloof Pretoria Gauteng 0181 South Africa
  • Get Directions

Opening Hours

  • Monday 08:30 – 16:30
  • Tuesday 08:30 – 16:30
  • Wednesday 08:30 – 16:30
  • Thursday 08:30 – 16:30
  • Friday 08:30 – 16:30
  • Saturday – Closed
  • Sunday – Closed