Applying is 100% free. The offer you see is the offer you get — no hidden fees, no surprises.
Business funding · South Africa

Capital for businesses that are already moving.

Aline takes one application to a network of vetted South African funders, compares the offers, and explains every one in plain language. The offer you see is the offer you get.

Free to apply Vetted funders only No obligation, no pressure

Quick estimate

Indicative only
R 250 000/ month
R 85KR 10M
You could be matched for up to
R 250 000
Based on typical funder criteria of roughly 1× monthly turnover for working capital. Not an offer of credit.*
Start free application
What we fund

Three ways to put capital to work.

We work with established, trading businesses — not startups. If you've been operating for a year or more, there's a good chance we can help.

01

Working capital

Bridge the gap between invoicing and getting paid. Cover seasonal dips, stock, payroll, or a slow-paying client without missing a beat.

R100K – R10M · 6–12 MONTH TERMS*
02

Growth capital

Open the second location. Hire the team. Buy the stock that lets you take the bigger order. Capital structured for expansion, not survival.

R100K – R10M · FLEXIBLE TERMS*
03

Asset finance

Trucks, plant, machinery, medical devices, technology. The asset itself typically secures the deal, so terms are often better than an unsecured loan.

R200K – R10M · TERM MATCHED TO ASSET*
How it works

Four steps. No runaround.

We handle the back-and-forth with funders so you never have to chase anyone or repeat yourself.

1

Apply once

One short form about your business and what the capital is for.

A few minutes
2

We match

We take your profile to the funders most likely to say yes on fair terms.

Within 24 hours
3

Compare offers

Real offers, side by side. We explain the rate, the term and the true total cost of each.

Typically 3–5 days*
4

Get funded

Choose what fits. Funds are released and you get back to running the business.

Days, not weeks*
Why Aline

A broker that works for you, not the lender.

Every fee, rate and term is on the table before you sign. And because we're not tied to any single lender, we have no reason to push you anywhere but the best offer.

Going it alone

Applying to lenders one at a time, repeating your story each time
No way to know whether the rate you've been quoted is fair
Fees and conditions buried in the fine print
Sales calls, pressure, deadlines designed to rush you

With Aline

One application, taken to multiple vetted funders
Offers compared side by side and explained in plain language
Every fee and term on the table before you sign anything
Take your time. A real person to talk to, and never any pressure
Built for real businesses

If it earns, we can probably fund it.

Logistics
Trucks, fleet expansion, fuel
Manufacturing
Machinery, raw inputs, labour
Agriculture
Livestock, equipment, land
Construction
Plant, tools, materials
Healthcare
Diagnostic and treatment devices
Wholesale
Stock, warehousing, transport
Professional services
Staffing, IT, consulting
Retail & hospitality
Inventory, fit-out, expansion
Do I qualify?

Straightforward criteria.

If you're an established, trading South African business, you're most of the way there.

Business loans

Working & growth capital

R100K – R10Mindicative*
  • Turnover of roughly R85K–R100K per month or more*
  • Trading for 12 months or longer
  • Registered South African entity with an SA-citizen owner
  • Valid business bank account and recent statements
Asset finance

Machinery & equipment

R200K – R10Mindicative*
  • Vehicles, plant, machinery, devices or technology
  • The asset itself typically secures the finance
  • Established, trading SA business
  • Repayment matched to the asset's useful life

*All figures are indicative ranges based on typical funder criteria and do not constitute an offer of credit. Actual amounts, rates and terms are determined solely by the funding partner following their assessment. Aline is a facilitator and does not lend.

Questions

Asked often.

Does it really cost me nothing?

Yes. There is no application fee, no brokerage fee and no success fee. The offer you see from a funder is the offer you get — every cost is disclosed up front, and if we can't find you a suitable offer, you owe nothing.

Can I apply as a startup?

Not yet. Our funding partners require a registered business with at least 12 months of trading history and a valid business bank account. If you're earlier than that, get in touch anyway — we're happy to point you toward the right resources.

How long does it take?

Most applications receive a decision within 3–5 business days. Once approved, funds are typically released within days. Timing depends on the funder and how quickly documents are provided.

What documents will I need?

Basic business details, recent bank statements, and a short explanation of what the capital is for. We keep paperwork to a minimum and tell you exactly what's needed up front.

Can I settle early?

We only work with funders who allow early settlement without penalty — it's one of our selection criteria. We'll confirm the terms for each offer before you choose.

Does enquiring affect my credit record?

An initial enquiry with Aline does not involve a credit check. A funder will only assess your credit once you've chosen to proceed with a specific offer, and we'll tell you before that happens.

Ready when you are

See what you qualify for — for free.

A few minutes, no obligation, and a real person on the other end to talk it through.