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Business funding

Compare Business Overdrafts in South Africa

Compare revolving business facilities. Interest, where it applies, is charged on the amount used. Access can be reviewed or withdrawn.

Funding eligibility, pricing and security requirements depend on the provider and the business. WiT Money does not approve credit or give a personalised quotation. Information checked 28 October 2026.

Before you compare

An overdraft is usually a reviewable facility on a business account. Interest, where it applies, is on the amount used. It is not permanent capital, and continued access is not guaranteed. A line of credit from a non-bank is labelled as such.

A limited company does not remove a director's liability under a valid personal suretyship. Security over a business asset and a personal undertaking are different promises.

Compare providers

The provider name links to the WiT Money profile. The gold button opens the recorded website. It is not an application.

6 of 6 products, in provider name order. A missing price is not shown as zero, and nothing is ranked as cheapest.

  • Absa logo

    Absa

    Business Overdraft

    Bank lender

    Facility
    Limit by assessment
    Review
    Indefinite/reviewable
    Pricing
    Negotiable daily-balance interest

    Eligibility. Business account and approval

    Security. Principal's personal surety shown

    Advantages

    • Flexible cash-flow line

    Considerations

    • May demand full settlement

    Notes checked 28 October 2026. Confirm the amount, the price and any surety with the provider. No National Credit Regulator number is shown on this card. A loan described as unsecured can still ask for personal surety.

    Visit official website (opens in a new tab)

    Estimate with your own figures

  • Bridgement. No official logo is shown.

    Bridgement

    Line of Credit (alternative to overdraft)

    Alternative lender

    Facility
    R20k–R10m facility
    Review
    Revolving
    Pricing
    Quoted fixed finance cost per withdrawal

    Eligibility. Performance assessment

    Security. Check security

    Advantages

    • Flexible use

    Considerations

    • Not a bank overdraft

    Notes checked 28 October 2026. Confirm the amount, the price and any surety with the provider. No National Credit Regulator number is shown on this card. A loan described as unsecured can still ask for personal surety.

    Visit official website (opens in a new tab)

    Estimate with your own figures

  • FNB logo

    FNB

    Business Overdraft

    Bank lender

    A product page was not checked. Confirm whether this offer is open.

    Facility
    Quote required
    Review
    Reviewable
    Pricing
    Quoted interest and fees

    Eligibility. Business bank account

    Security. Security/surety case-specific

    Advantages

    • Short-term liquidity

    Considerations

    • Pricing and approval not verified

    Notes checked 28 October 2026. Confirm the amount, the price and any surety with the provider. No National Credit Regulator number is shown on this card. A loan described as unsecured can still ask for personal surety.

    Visit official website (opens in a new tab)

    Estimate with your own figures

  • Lula. No official logo is shown.

    Lula

    Cash Flow Facility (alternative to overdraft)

    Alternative lender

    Facility
    Up to R5m
    Review
    Revolving facility rules
    Pricing
    Interest charged on amount used (as advertised)

    Eligibility. Performance assessment

    Security. Check contract

    Advantages

    • Draw funds repeatedly

    Considerations

    • Not a bank overdraft

    Notes checked 28 October 2026. Confirm the amount, the price and any surety with the provider. No National Credit Regulator number is shown on this card. A loan described as unsecured can still ask for personal surety.

    Visit official website (opens in a new tab)

    Estimate with your own figures

  • Nedbank logo

    Nedbank

    Business Overdraft

    Bank lender

    A product page was not checked. Confirm whether this offer is open.

    Facility
    Quote required
    Review
    Reviewable
    Pricing
    Quoted interest and facility fees

    Eligibility. Business current account

    Security. Security/surety may be requested

    Advantages

    • Integrated with account

    Considerations

    • Fee and conditions need validation

    Notes checked 28 October 2026. Confirm the amount, the price and any surety with the provider. No National Credit Regulator number is shown on this card. A loan described as unsecured can still ask for personal surety.

    Visit official website (opens in a new tab)

    Estimate with your own figures

  • Standard Bank logo

    Standard Bank

    Business Overdraft

    Bank lender

    Facility
    From R2 000 shown
    Review
    Revolving and reviewable
    Pricing
    Personalised interest on used balance; fees

    Eligibility. Business current account and approval

    Security. Possible guarantees

    Advantages

    • Pay interest on utilisation

    Considerations

    • Callable/reviewable and may fluctuate

    Notes checked 28 October 2026. Confirm the amount, the price and any surety with the provider. No National Credit Regulator number is shown on this card. A loan described as unsecured can still ask for personal surety.

    Visit official website (opens in a new tab)

    Estimate with your own figures

Compare selected products

Choose up to three on this page. Prices are not ranked, because they are not the same kind of charge.

No products selected.

Not shown as a current facility

  • Capitec Business. Overdraft / Credit Facility (verify). Confirm with the provider before treating it as available.

Estimate the cost

Type your own figures. Product cards do not fill these fields, because a published line is not a single rate you can drop into one formula.

Estimate one month on the amount used

Interest is one twelfth of the annual rate you type, on the balance used. This is not an instalment-loan repayment, and the facility can be reviewed.

What you may need before applying

Providers often ask for company or sole-proprietor details, bank statements, financial statements or management accounts, a cash-flow view, SARS documents, identity documents, and the invoice, order or supplier quote the funding is for. Not every provider asks for every document. The list is preparation, not a decision that you qualify.

Regulation

The National Credit Act does not apply to every business facility in the same way. A juristic person, the size of the facility and the type of agreement can change the position. No NCR number is printed on these cards. A marketplace is not the lender. FSCA authorisation, where a firm has it for another activity, is not shown here as permission to advance this facility.

National Credit Regulator

How WiT Money compares these products

Each page keeps its own products. An invoice fee, an overdraft rate, a merchant factor and a term-loan instalment are not sorted against one another. Nothing is ranked as the cheapest or the easiest approval. A listed name is not a recommendation.

Other funding pages

Sources

Page updated 28 October 2026. A source date is the day WiT Money checked that page, not a promise the institution has not changed it since.