Business funding, simplified

Get between R20,000 and R5,000,000 in business finance with a Bridgement credit facility. Improve your cash flow in under 24 hours.

  • Apply in 2 mins
  • No paperwork
  • No hidden costs

The simplest way to finance your business, quickly

Business funding shouldn’t be time-consuming and complicated. Get fast, flexible funding solutions from Bridgement.

Up to R5m Credit facility
Apply in 2 Minutes
Approval in <24 Hours
Repay over 1-12 Months

See why business owners choose us

Apply now
Lightning fast

Apply online in 2 minutes, get funds in your account within hours. No paperwork means you’ll get on with your business in no time.

Unmatched flexibility

Settle early when it suits you and get rewarded with a discount. No prepayment penalties and no cancellation fees.

Full transparency

Always know the exact cost and only pay for what you use. No hidden fees or application charges. No surprises.

Maximum control

You decide how much to draw and when. Access your Bridgement online dashboard 24/7 and request funds instantly.

Business funding options tailored to your needs

Business Loan
Line of Credit
Invoice Finance

Business Loan

Get a simple business term loan to cover once-off needs.

  • Access funds within 24 hours
  • Get rewarded for early settlement
  • Simple fixed cost, no hidden fees

Line of Credit

Access a flexible revolving credit facility to cover ongoing needs.

  • Only pay for what you use
  • Withdraw one or many times
  • Prepay and save on finance costs

Invoice Finance

Get instant advances on your unpaid invoices to improve cash flow.

  • Select one or many invoices to fund
  • No disclosure to your client needed
  • Repay over 1 to 12 months

Awards and recognitions

Wealth & Finance

Most Innovative Business Lender 2023

GFM Review

Best Fintech Award 2023

Xero

App of the Year Award Finalist 2022 / 2023 / 2024

SA Small Business Awards

National Funding Award 2020

Getting funding has never been this easy

01. Apply online in 2 minutes

Complete a simple, online application without the need for any paperwork. Share your bank statements, accounting or financial data so we can verify your trade history and determine your credit limit.

02. Get approved within hours

Bridgement uses the power of AI to approve applications in hours instead of weeks. Once approved, you’ll have immediate access to funds 24/7 from your online dashboard.

03. Access your funds instantly

Withdraw as much as you need, when you need it. Repay over 1 to 12 months depending on your business profile. Prepay at any stage and get rewarded with a discount to save on finance costs.

Spend less time managing cash flow and more time growing your business

A Bridgement credit facility better positions your business to:

Accelerate growth and seize new opportunities

Optimise and improve your cash flow

Buy inventory/equipment, hire staff and increase marketing

Use your financial data to get funding even faster

We give you the option to automatically connect your bank or accounting software to simplify the application process. Share your financial information at the click of a button – zero paperwork, zero hassle.

Simple and transparent pricing

  • Fixed cost
  • Prepayment discounts
  • No hidden costs
R

Min R20,000 – Max R5,000,000

1 month 12 months
Cost of finance
R 0
Total repayment
R 0
Monthly repayment
R 0
Apply now

*This example is indicative only. Apply now to get your personalised pricing and terms.

Keep in mind: A single fixed finance cost is charged per withdrawal and you’ll always know the cost before agreeing to anything. The finance cost quoted is your total cost and there are no additional interest, account fees or application charges.

Trusted by thousands of happy business owners like you

New to business funding?

Here are some frequently asked questions or you can view more FAQs.

How is online business funding different from traditional banks and lenders?

Bridgement’s advanced technology uses AI to assess thousands of data points instantaneously, eliminating the need for lengthy paper-based applications. We’ve also simplified our payment structures and we reward our customers for early settlements, freeing them to use (and pay for) only what they need.

If I apply, are there any commitments?

No. It’s free to apply and you decide when and how to use your approved Bridgement facility, whether that’s partially or in full. An approved facility is commitment free. No costs are incurred until you withdraw from your facility.

How long does it take to process my application?

If we have all the necessary information, your application should be processed within 24 hours. We recommend linking your accounting software or bank account to speed up the approval process.

Do I need to submit a business plan for online business funding?

Bridgement does not require a business plan, a budget, or a financial forecast. Your business also doesn’t have to be VAT-registered.

What is business funding?

Business funding is the funding a company needs to run or grow their business. The funding is provided in the form of working capital which is then used to finance their needs, to pay for operational expenses and unexpected costs, or to expand their business.

Many businesses run into cash flow problems and struggle to get flexible business funding quickly and easily. Luckily Bridgement is here to close the gap.

How does online business funding work?

An online business funder provides fast business funding through a simple online process. This new way of getting business funding provides the fastest turnaround times and removes the need for long forms and paperwork. Completing a business funding application takes two minutes on Bridgement’s website and you’ll normally get a loan decision within 24 hours. Bridgement is completely online and won’t need to meet you in person. You also won’t have to provide any financial projections or business plans.

Once approved for an online business funding facility, you’ll get access to a dashboard on Bridgement’s website where you can manage and withdraw funds from your facility. Funds will usually land in your bank account within an hour of making the loan request on your dashboard.

How do you get fast business funding?

Business owners facing cash flow issues need funding fast. Banks offer a number of financing options including business loans, overdrafts and asset finance. Unfortunately, banks often require collateral, a lot of documentation and over three months to process your application before supplying you with funds.

Other funding options like venture capital and angel investors also have rigorous, paper-based application processes that take even longer than the banks. This sort of business funding also has the disadvantage of diluting your company ownership and brings more voices to the table when it comes to making key business decisions.

Bridgement offers business loans and credit facilities in just 24 hours, and its automated online application means you can apply in just minutes, without having to submit any paperwork.

How do you get small business funding in South Africa?

You can apply for business funding through a bank. Be ready to provide a business plan, financial projections, and financial records. You’ll likely also have to provide collateral and sign personal surety. Applications can take weeks to complete, months to process, and the likelihood of being approved can be quite low.

You can also apply for funding through an angel or venture capital investor. Finding a willing investor is hard and you will probably have to exchange equity, diluting ownership in your business for the funding.

The South African government offers a number of grants and loans, but you will need to fit strict criteria to qualify.

Bridgement offers an exciting alternative with the first online revolving credit facility for businesses – a quick and easy way to get business funding online.

Ready to grow your business?

Get instant approval for up to R5,000,000

Apply now