Rating based on 44 reviews


  • Business loans up to R5,000,000
  • Low-interest up to 28%
  • Repayment up to 12 months

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

About Lulalend

If you are thinking of getting a business loan let Lulalend help you reach your goals.

When you think of acquiring a business loan you often have the image of standing in queues for hours. The dreadful task of going to a bank just makes many people miserable. Lulalend changes that. They are more than a lender and each of their customers is like family to them.

A business loan is about more than money

Believing in the power of small business is at the heart of what Lulalend stands for. They want to make a noticeable difference by giving their clients a better solution while striving for the utmost excellence. 

Lulalend goes the extra mile to empower businesses all over South Africa. They provide people with the small business loans they need to grow and that gives them great joy.

Lulalend believes in giving you more

Local economic success is very much dependent on small businesses. Lulalend believes that by making business loans easy and accessible to everyone, the local economy will benefit greatly.

Spending hours on the internet in search of lenders and going through mounds of paperwork and applications are time-consuming. Lulalend knows that time is money and simplifies things.

Get clear and concise business loans

When you think of getting a business loan, the very thought of getting a nasty surprise in the form of hidden costs is terrifying, to say the least. At Lulalend you can be sure that transparency is at the very top of their priority list. Having access to specialists that can answer all your questions is another benefit from Lulalend.

Lulalend Services

Starting and growing a business requires funding.

There are day-to-day financial needs that have to be taken care of. This often includes salaries, purchasing materials and equipment, and just everyday running of things. For these reasons, many people require a start-up business loan to smoothen out cash flow issues that might arise.

Lulalend will always be at your service

In today's life, there are many ways to obtain funding for starting a business. Depending on what business you decide to do and how much funds you have available, you can decide which method of funding will suit you best. If all else fails you need to know that Lulalend will be ready to assist you with the big or small business loan you need to make your dream a reality.

How a Lulalend business loan works

Lulalend has simplified the process of getting a business loan with their six and twelve-month plan options. Depending on the business loan option you choose you will either pay back one-sixth or one-twelfth of your loan plus the cost amount each month. If you find yourself in a financial position to repay your business loan amount early, you will save even more.

Get a Lulalend credit card

There is no need to apply for a business loan each time you require money. With a Lulalend credit card, you can have access to funds on the spot.

Applying for a Lulalend credit card is easy and convenient and can be done online. Many business owners opt for a credit card to straighten out their cash flow issues.

What a Lulalend business loan can offer you

With a Lulalend Business loan, you have a choice between a 6 or 12-month loan term. Your loan is constructed so you repay either a sixth or a twelfth of your loan amount. This is dependent on the repayment term you choose.

You’ll also pay a monthly fee of between 2 and 6% of the loan amount for the first 2 - 4 months, depending on your contract. The last 2 months require you to pay a 2% fee. Early repayment will ensure you save on fees.

Lulalend – Business loan

  • Loan Type Business loans
  • Interest Rate 28%
  • Loan Amount up to R5,000,000
  • Repayment 6 months to 12 months
  • Decision 24 hours

Benefits of Lulalend

  • No charges for early repayment
  • Easy application
  • Get a decision in minutes

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.

Lulalend is the business loan specialists you can count on

Lulalend has revolutionized the way that you can get a business loan.

By believing in simplicity they have devised a way of effortlessly applying for a business loan in just three super easy steps.  Not only have they simplified the business loan application process but Lulalend has also made the minimum requirements for a business loan super easy. Getting a business loan should be a quick process so you can spend your time prospering.

Minimum requirements for a Lulalend business loan

  • Lulalend requires you to be in South Africa
  • You need an annual revenue of R500 000 or more
  • You will need one year or more in business

The application process

You will be required to go onto Lulalend's webpage to apply for a loan online. This will only take a few short minutes of your time.

During the application, Lulalend will ask a few very standard personal as well as business-related questions. You now have a choice to either upload your most recent bank statements or you can link your bank account to your profile.

That is as far as the business loan application goes. If at any stage during the application process you need help, you are most welcome to give Lulalend a call for assistance.

A business loan quote

Lulalend gets you the best possible business loan by using their scoring technology. This technology is used to evaluate the real-time performance of your business.

Within a matter of minutes, Lulalend will provide you with a business loan decision. You are under no obligation to accept. When to access your business loan is completely up to you.

Lulalend has a standard aim of having your business loan paid into your bank account within 24 hours.

Depending on the repayment option you choose, you will be repaying your business loan in equal parts over the agreed-upon period.

Fast, easy and affordable business loan

Getting a business loan does not need to be the most difficult part of starting your own business or growing your existing business. Time is our most valuable commodity and therefore Lulalend makes it happen as quickly as possible. Take that step today and choose a business loan from Lulalend.

Benefits of Lulalend business loan

  • You can apply for a business loan in minutes
  • They believe in flexible and transparent business loans
  • There is no queuing or mountains of paperwork involved
  • With Lulalend you get access to finance in 24 hours

Customer Reviews & Testimonials

May 2021

I was at my wit's end trying to find the right financial institution to get a business loan from. Every bank I had applied to had a long list of qualifying criteria that I could not match. I am t...

Scot M
— Port Alfred —

June 2021

I never thought that getting a business loan could be as stress-free and super easy as it was with Lulalend. They have made my dreams come true by giving me the business loan I needed to expand m...

Marie B
— Saldanha Bay —

July 2021

The requirements for a business loan these days are getting more and more unreachable. Luckily a friend put me in touch with Lulalend and I was able to secure the business loan I required in no t...

Andrew V
— Johannesburg —

Lulalend Contact

Physical Address

  • 112 Buitengracht Street, 1st floor, The Studios, Cape Town City Centre Cape Town Western Cape 8000 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