Business Loans and Start Up Business Loans

We assist entrepreneurs and small business owners in securing a successful business loan or start up business loans in South Africa. Whether you are looking to start a new venture, expand your existing business, or address cash flow challenges - a well-tailored financial boost can be a game-changer. So, fasten your seatbelts and get ready to unlock the potential of business loans with us.

What is a business loan?
Business loans are very common and one of the first options for businesses looking to raise finance.
The lender provides money that you, as the borrower, pay back, with interest, over an agreed period.

Types of business loans
There are many types of business loans available in South Africa.
They range from short-term to longer-term loans, and can be either secured or unsecured.

Secured business loans
With these loans, you’ll need to use an asset from your balance sheet as security.
The lender may also consider third-party security, such as a guarantee, instead of or alongside other security.
Usually, property is used as security, although other assets like stocks and shares can be used too.

Unsecured business loans This allows you to borrow without using any business assets as security.
Often, you’ll need to provide a personal guarantee that says you’ll pay back the loan personally if the business can’t.
Unsecured loans typically have higher interest rates than secured loans.

Business Loans are one of the most flexible finance products on the market. Essentially, funds are paid directly into your bank account for you to utilise as you see best for your business. Whether you're looking to fund a project, ease cash flow, purchase a business or are moving premises.

To apply for a business loan?
Apply online on our website and send the required supporting documents via email to info@finsaploans.co.za
1. Copy of ID or passport
2. Last 3 months business bank statements
3. Copy of business registration documents.

Application takes less than 5 minutes. Apply Now


What is a Start Up Business Loan?
Start Up Loans are personal loans designed to help new businesses begin trading. They were created to support would-be business owners who have struggled to secure finance from traditional lenders and banks.
They differ from small-business bank loans in that they are personal loans for business purposes. They are also unsecured, which means you don’t have to use your house or any other asset as security to receive the money.

Starting a new business can be very daunting and often requires an injection of finance to get up and running. Many new start businesses are unaware that funding is available, instead, the business owner often utilises expensive personal credit cards and personal loans.
As a new start business doesn’t have any history for a lender to base a decision on, they will look much more closely at the individuals behind the business and assess the business plan for viability.
Here at Finsap Loans, we are specialists when it comes to providing finance to new start businesses, we are on hand to talk through the options that are available to your business.
Finsap Loans provides Start Up Loans for individauls at a fixed interest rate from 5%.

To apply for a start up business loan?
Apply online on our website and send the required supporting documents via email to info@finsaploans.co.za
1. Copy of ID or passport
2. Last 3 months personal bank statements or payslips
3. Copy of business registration documents.

Application takes less than 5 minutes. Apply Now

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Finsap Loans is a direct loan lender offering different loan types.

More about our products

Personal Loans

Our approach to lending has always been, and always will be, personal. We’ve helped individuals in South Africa, but we know that every customer - Find out more.

Business Loans

Business loans are very common and one of the first options for businesses looking to raise finance.
The lender provides money that you, as the borrower, pay back - Find out more.

Debt Consolidation Loans

A debt consolidation loan is designed to help you get on top of any outstanding credit you have by moving some or all your debt - Find out more.

Home Loans

Our award-winning range of home finance products let you release tax-free cash from your home, second home or buy-to-let property, without the need to sell or transfer ownership. – Find out more.

Loans for Blacklisted

Many people believe that by having a bad credit history you are barred from being able to get a loan in the future and that your details – Find out more.

PayDay Loans

A payday loan is a short-term, small loan that you repay once you receive your next pay – Find out more.

Home Improvement Loans

A home improvement loan allows you to spread the cost of your project with a clear view of what you'll pay each month from the start – Find out more.

Can we help you today? Whether it’s a question or you just need support, we’re here to help.Get in touch