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 July 24, 2019]

About Express Business Capital

Our business loans work differently as we lend your business money based on your future revenue.

As your business makes a profit you can repay your loan so that you are 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 your business will make.

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

We offer a wide range of different business finance solutions so there is something that will suit your requirements.

Express Business Capital Services

Our service is different from traditional banks because we are not a bank.

Our process and methods are completely different and we are there for our clients every need.

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

Apply for future funding

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

Our rapid approval rate has a fast time of just 96 hours and your business assets remain completely safe. The repayment terms on our 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 we 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 loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

We would like to help your business thrive

You can decide what you would like to spend your loan on and how it will best benefit your business, as part of the loan package you will receive mentorship and guidance from one of our 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 we aim to establish a lasting partnership that will 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.


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

Our Express Business Capital loan allows businesses a cash advance that is secured by your turnover. As you trade and make a profit you will be able to pay the agreed-upon percentage of the loan repayments. This allows your business to continue trading until you are 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.
  • Our experts will review your application and decide if your business will benefit for this solution.
  • Our payouts are quick, if you are approved you could get the money paid into your account within 3 days

Partnering with us to make your business succeed

Another great option that we offer is our Express Capital Partner Investment with this option we invest in your business by purchasing an equity stake in your business.

Once we have invested in your business our team of experts will help you grow your business and make it as successful as possible, as we are now a shareholder we will assist you by taking a more hands-on approach in order for your business to succeed.

The way this helps your business succeed

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

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

By purchasing a stake in your business we are able to help you grow your business at a much faster rate so that you are 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