Rating based on 37 reviews


  • Business loans up to R2,000,000
  • Fast, easy finance
  • A bigger, brighter future

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Genfin homepage
Author Genfin. Screenshot of Genfin website.
[Accessed December 12, 2022]

About Genfin

If you're building your business and you need a little extra cash to invest in it you can apply for a loan of R100 000.

Their aim is to find businesses that are already doing well and help them do better. If you qualify for one of their business loans you can receive your payout within 3 days. The terms to pay back your business loan are very flexible and you'll be able to withdraw cash capital to replenish cash flow when needed.

Your business is unique

Every business is unique and has its own challenges and triumphs. Their online loans offer very affordable loan terms that can be customised so that you only need to repay your loan as your business makes money.

When you're running low on cash you can withdraw from the payments that you've already made with one of their revolving business loans. It's easy for you to refinance the balance of your loan to reduce the amount that you pay in instalments and easily extend your loan term.

Find out if your business qualifies

Investing in the future of South Africa by growing small businesses is their speciality, they help those businesses that wish to grow and expand. The lending criteria are simple to meet. Your business must have been trading for at least 12 months and yield an annual turnover of at least R1 million.

Simply complete the online loan application form with your business details and one of their consultants will get back to you.

Genfin Services

Their company is not like traditional lenders or other banks, they invest not only in your business but in you as an individual.

Time is money and they don’t want to waste yours, from the time that you apply to the time that you receive your cash is an average of 3 days.

Their digital application process is simple and allows them to evaluate your business quickly in order to get you an answer quickly.

Their business loans are very affordable as interest is only charged on the reduced balance of your business loan. All costs involved are transparent and there are no hidden clauses or surprise costs later down the line.

Repay your business loan over 12 months

Their easy repayment terms allow your business up to 12 months to repay the loan and short-term loans can be used on a revolving basis.

To save money you can make deposits at any time to reduce the amount of interest that you're charged. If you need money you can withdraw money from the loan at any time.

Your consultant on call

Once you apply for one of their business loans you'll be assigned a consultant to guide you through the rest of the application process and explain to you exactly how the process works.

Your consultant is there to offer you expert advice and help you should you require any assistance.

Genfin – Business loan

  • Loan Type Business loans
  • Loan Amount up to R2,000,000
  • Decision 3 days

Benefits of Genfin

  • Business loans up to R2 000 000
  • Grow your business through tailored finance
  • Integrated finance solutions

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.

How they evaluate your business

To find out if your business would benefit from business finance with them they look at your business stability, the cash flow available, how many years you've been in business, your lease status, seasonality and the number of customers that you have.

If your business is making a profit and has a good credit history and trade record then you could qualify. Their loans allow you to borrow money on outstanding invoices, large contracts that still need to be paid, loans secured by your property or other types of security.

Apply for your business loan in 4 easy steps

To make applying for an online loan as easy as possible they've simplified the process completely. Follow these 4 easy steps to apply:

  1. Apply by completing the online application form in only a few minutes
  2. Attach the necessary supporting documents and a copy of your most recent bank statement.
  3. Submit any final documents that they request for their final approval.
  4. Read and sign the loan application and your cash will be deposited into your account within 3 days.

What makes them different from your average bank

The fact that they're not a bank means that they have the ability to judge your loan application differently. With them, there's no need to go through a lengthy application process or comply with a long list of terms and conditions. Their good and bad credit loans are designed to be cost-effective and can be adapted to your business needs.

Contracts are transparent and there are no hidden fees, their small-term business loans are perfect to help your business grow and if you're looking to expand your business their consultants are there to offer expert advice.

Customer Reviews & Testimonials

May 2019

They have helped me see that my company is possible and that we can build and with their help they have made my company stronger.

Paige S
— Cape st Francis —

May 2019

They have helped our company overcome some of our losses by giving us our loan and also talking to us about how we can improve and save.

Derrick L
— Durban —

Genfin Contact

Physical Address

  • Waterfront Terraces Unit 4 First Floor, 3 Waterfront Rd, Bellville Cape Town Western Cape 7530 South Africa
  • Get Directions

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed