Funding Repayment
Calculator
Securing the right capital is the #1 growth accelerator for South African SMEs. Check the core eligibility criteria, then estimate your monthly repayment, total interest and total repayment.
1 Eligibility Check
2 Cost Estimator
Estimate your monthly repayment using standard amortization. Rates are illustrative only — actual pricing varies by lender and risk profile.
Default 24% is an illustrative estimate for SA alternative lenders (typical range 12–48%).
Est. Monthly Repayment
R0
Illustrative estimate only — not a quote or offer.
Know Your Total Cost
This estimator uses standard monthly amortization so you can see the full picture upfront: monthly payment, total interest and total repayment.
Readiness Definition
12 months trading + R500k turnover is the "Gold Standard" for readiness. It proves stability to lenders.
Speed Advantage
By pre-calculating your affordability here, you can complete the actual application in under 5 minutes.
Ready to Turn Your Estimate into Working Capital?
By verifying your eligibility and calculating a comfortable repayment plan, you’ve already completed the hardest preparation steps. Accessing alternative business finance in South Africa has never been more transparent or efficient.
Apply in 5 MinutesLike this? See what your business actually qualifies for.
Free, no obligation, about 60 seconds. Or create a free account to save your results.