Rating based on 37 reviews


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

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Author Genfin. Screenshot of Genfin website.
[Accessed July 24, 2019]

About Genfin

If you are building your business and you need a little extra cash to invest in it you can apply for a loan of R100k

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

Your business is unique

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

When you are running low on cash you can withdraw from the payments that you have already made with one of our revolving business loans. It is easy for you to refinance the balance of your loan to reduce the amount that you pay on 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 our speciality, we 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 an R1million.

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

Genfin Services

Our company is not like traditional lenders or other banks; we invest not only in your business but in you as an individual

Time is money and we 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.

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

Our business loans are very affordable as interest is only charged on the reducing 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

Our 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 are 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 our business loans you will 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 loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

How we evaluate your business

To find out if your business would benefit from business finance with us we look at your business stability, the cash flow available, how many years you have 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. Our 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 we have 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 we request for final approval.
  4. Read and sign the loan application and your cash will be deposited into your account within 3 days.

What makes us different from your average bank

The fact that we are not a bank means that we have the ability to judge your loan application differently. With us, there is no need to go through a lengthy application process or comply with a long list of terms and conditions. Our good and bad credit loans are designed to be cost-effective and able to adapt to suit your business needs.

Contracts are transparent and there are no hidden fees, our small term business loans are perfect to help your business grow and if you are looking to expand your business our 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