Rating based on 9 reviews


  • Quick loans up to R1,000,000
  • Low-interest starting from 28%
  • Repayment up to 10 years

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Lulalend homepage
Author Lulalend. Screenshot of Lulalend website.
[Accessed August 3, 2021]

About Lulalend

Access competitive rates while enjoying assistance from a transparent and expert support team.

Lulalend is a company that believes in making a difference by empowering small businesses, building a better solution, and striving for excellence. They assist businesses all over South Africa with the required funds to grow.

They only offer business loans to registered South African companies, close corporations, and sole proprietors who are VAT registered. Time is money and that is why their products and services are designed to keep your business running speedily.

Get a quick loan for your business at Lulalend  

Unlike with banks, you can apply completely online – this makes it much faster. They don’t require paperwork, admin, or initiation fees and there are no penalties for settling your loan early. They do not charge interest. They charge a fee (cost) which is based on a percentage of the principal amount funded that varies between 5% and 12% and is determined by the risk and overall scoring of your business. 

No paperwork, no admin, or initiation fees

To apply your business must have a minimum annual turnover of R500,000 and have been actively trading for at least one year. You don’t have to use your assets as collateral as they only offer unsecured loans. Lulalend uses your online banking profile and financial data for the sole purpose of assessing whether you qualify for business finance. They will see your transactions as read-only. You also have the option of uploading your bank statements for the last 3 months.

Lulalend Services

A form of business finance that will help you out with covering immediate costs in the waiting time between receiving an expected cash flow boost.

When you need to buy expensive items sooner rather than later. 

Immediately access business funding

You can have easy access to working capital for your small business. No need to reapplying for new business finance each time as you can simply access your business line of credit when you need it.

Update, upgrade or replace equipment

Business equipment can be very expensive to replace and can be challenging when you don’t have enough backup capital. A machine can break down at any time or the demand for your product can increase and result in you having to urgently buy additional equipment. Acting fast is crucial for your business. Access a quick loan online up to R2 million within 24-hours by applying in just a few minutes. 

Inventory finance 

It is crucial to have enough inventory on hand to ensure your business continues to trade smoothly. Inventory finance and retail capital will help you do just that.

Avoid the risk and get paid immediately 

You can offer your customers up to 3 months to pay your invoices while getting paid upfront. You don’t have to spend time collecting unpaid invoices again. Lulalend will assess all buyers to ensure that they can afford the invoice. This will help free up cash to grow your business. Having no debtors will enable you to invest the cash in growth

Lulalend – Quick loan

  • Loan Type Quick loans
  • Interest Rate from 28%
  • Loan Amount up to R1,000,000
  • Repayment 3 years to 10 years

Benefits of Lulalend

  • No hidden fees
  • Flexible repayment terms
  • Quick and easy online application

Quick 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.

Get some extra breathing room and enjoy more favorable terms with Lulalend

Unlike traditional lenders that typically take weeks or even months to approve a small business loan, Lulalend can help you in as little as a few hours.

Applying for a loan with Lulalend 

Step 1: Apply online – obligation free 

  • Do a quick online application by entering some standard personal and business information. Advise them on the business finance you require and the amount.
  • You will need to upload your recent bank statements or you can link your internet banking account. You can also call them on 087 943 2381 to get your application underway.

You can rest assured that your personal and business information is always safe and secure with them.

Step 2: Receive your decision

  • Lulalend has technology that evaluates your business’ real-time performance to ensure that you get the best possible funding.
  • Wait a few minutes to receive their decision. You can then choose to access your credit now or later.

Step 3: Get funded

  • You can expect to receive the funds in your bank account within 24 hours. Repay in 6 to 12 months.
  • Their costs are transparent and easy to understand.

Benefits of choosing Lulalend – Access the quick loans you need

  • No interest fees
  • Fixed costs
  • The quick and easy application process
  • Funds are delivered within 24 hours of application
  • Flexible repayment 
  • No restrictions on the use of funds 
  • Costs are transparent and agreed upfront 
  • The high application success rate 
  • World-class customer service 

Customer Reviews & Testimonials

June 2020

I got an amazing deal on bulk stock, but I still had to wait for my clients to pay me. Thanks to Lulalend I was able to buy the stock for a great special price without stress.

James V
— Boksburg —

August 2019

Getting the kind of service that makes you feel that you are the most important client and a number one priority, is really rare these days. Well, I definitely got it from Lulalend.

Sanri V
— Pretoria —

October 2019

No hassles, no struggling with unnecessary paperwork, and extremely quick. I definitely recommend Lulalend to anyone.

Nabib J
— Pietermaritzburg —

Lulalend Contact

Physical Address

  • 3rd Floor Pier Place, Heerengracht St, Cape Town 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