Tailored finance solutions for South African SMEs.
Turn signed contracts into working capital – fund your project upfront so you can deliver with confidence and grow your business.
Turn unpaid invoices into fast working capital that’s simple, efficient, and friendly.
Your partner in business growth. When local businesses succeed, so does your community.
Funding should work for your business, not the other way around.
We base funding on your contracts, assets, or invoices. So you never risk your private property.
We offer market-competitive rates, with terms that suit your business needs.
We help you bridge the gap by using cash flow potential to propel your business’s growth.
Our application process is quick and straightforward.
* Results shown are estimates. Get your exact rates by applying now.
Thought leadership in business, finance and more.
From the outset, we’ve been proud to support visionaries across South Africa. Each business funded tells a story of progress, jobs created, and futures built.
See who we've helpedRead through some of our commonly asked questions. If you’re still unsure, contact our team or chat with our AI assistant.
Mutualism provides four main business financing solutions: Asset-Backed Finance for equipment and machinery, Contract Financing for government and corporate contracts, Invoice Discounting to unlock cash from outstanding invoices, and Working Capital loans for day-to-day business operations.
The required documents vary depending on the type of financing you need, but all applications start with your 6-month business bank statements. Once we receive these, our experienced financial analysts use advanced algorithms to assess your business and recommend the most suitable financing option for your needs.
Mutualism provides fast financing decisions. Our team typically provides feedback on your business financing application within 48-72 hours, allowing you to access the funds you need quickly to keep your business moving forward.
Mutualism offers business financing from R20,000 to R5 million, making our solutions accessible to both small businesses and established enterprises looking to grow their operations or manage cash flow.
Let’s Move Your Business Forward
