One application.A whole panelof funders.

We help South African businesses access funding through banks, private credit funds and specialist lenders. Apply once, and our team helps prepare your application and guide you through the process.

Find your facility → Browse all sixteen

Funding matcher

Question 1 of 4

What do you need the funding for?

Tip: press 1–7

Funding products across three categories

80%

Of invoice value advanced, at the top end

R30m

Upper end of trade facilities placed

Private Invoice Discounting Government Invoice Discounting Invoice Factoring Merchant Cash Advance Secured Overdraft Facility Revolving Facility Purchase Order Funding Government Purchase Order Funding Contract Finance Trade Finance (Inventory) Supply Chain Finance Embedded Supplier Finance Asset-Backed Financing Asset Finance Property Bridging Finance Secured Business Loans Private Invoice Discounting Government Invoice Discounting Invoice Factoring Merchant Cash Advance Secured Overdraft Facility Revolving Facility Purchase Order Funding Government Purchase Order Funding Contract Finance Trade Finance (Inventory) Supply Chain Finance Embedded Supplier Finance Asset-Backed Financing Asset Finance Property Bridging Finance Secured Business Loans

See how it works

Apply once, not to every funder in turn

See what happens at each stage, what you need to provide and how funding partners assess your application.

Step 1 of 4

Apply online

A short form: who you are, what you are funding and roughly how much. Nothing to upload at this stage, and no credit enquiry is run: we only need enough to know which of the sixteen facilities to assess you against.

TimeAbout ten minutes

DocumentsNone needed to start

Credit recordUntouched at this stage

Sixteen facilities, in three families

Open a category to see what sits inside it. More than one option may suit your needs — eligibility depends on the funding partner's assessment. The matcher narrows it down in four questions.

Private Invoice Discounting

Advance up to 80% of an invoice issued to a private-sector customer, with the balance released when they settle.

Up to ~80% advance3–10 days

Government Invoice Discounting

Advance up to 70% of an invoice issued to a government department, municipality or public entity instead of waiting out the payment cycle.

Up to ~70% advance3–5 days

Invoice Factoring

Receive an advance against eligible invoices through a factoring arrangement. Collection responsibilities and any recourse if the customer does not pay depend on the agreement.

30–120 days

Merchant Cash Advance

Unsecured funding sized off historical and projected turnover, repaid daily or weekly in line with trading cash flow.

UnsecuredOften within 24h

Secured Overdraft Facility

Draw and repay against an approved limit secured by fixed property, with interest charged only on what is drawn.

Property securedRenews annually

Revolving Facility

Monthly interest only, with the capital settled at the end of the term. Available secured or unsecured.

Interest onlySecured or unsecured

Why us

Funding connections built around your business

Four reasons businesses come to us rather than approaching funders one at a time.

Funder relationships built over years

We've spent years building relationships with funders across South Africa. We know the types of businesses and funding needs they consider, and use that knowledge to identify suitable partners for your application.

Support from application to offer

We help you prepare your application, organise documents through DocuHub and understand what funders need. Our team coordinates questions and follow-ups with funding partners, so you know what is needed to move your application forward.

You keep your options open

Applying through Mutualism is non-exclusive. You can explore finance elsewhere, compare any offers and choose whether to proceed. Submitting an application does not commit you to accepting a funding offer.

We succeed when you secure funding

Our funding partners pay Mutualism only when a funding deal is completed through us. We help you understand the costs and conditions in any funding offer before you decide whether to accept it.

Matched to the funder best placed to help

No single lender is best at everything. A government invoice, an imported container and a sale-and-leaseback are three different risks, and they are priced by three different kinds of funder.

We maintain a panel of banks, private credit funds and specialist lenders, and help match your situation to the right one. You deal with Mutualism throughout, and you only fill the application in once.

Banks

For secured overdrafts, asset finance and longer-dated facilities.

Private credit funds

For property-backed and bridging transactions, and other deals that suit a private-credit structure.

Specialist lenders

Trade and inventory finance, supply chain platforms, government-debtor books and other niche risk.

Before you apply

Four things worth knowing up front

These apply across most of the products, whoever ends up funding the deal.

Security owned by a director, trust or related entity

Some funders may consider security owned by a director, trust or related entity, subject to owner consent and their requirements.

Assessment follows the security and the receivable

Most facilities are priced on the value and ownership of the security, plus your demonstrated ability to service the funding.

Turnaround varies by product

Unsecured, turnover-based facilities are fastest at 24 hours to five days. Asset-backed and property deals take twelve to fourteen days.

Track record materially strengthens an application

Evidence of having delivered similar contracts or orders before counts for a great deal, particularly on order and contract funding.

The core four, then whatever the product needs

Nearly every funder on the panel starts with the same four documents. Get those together and you can apply for most of the sixteen products without gathering anything else.

Recent financial statementsCommon starting document

Six months bank statementsCommon starting document

Company registration (CIPC)Common starting document

Tax clearance certificateCommon starting document

Debtors & creditors ageingInvoice facilities

Purchase order & supplier quoteOrder funding

Title deed & municipal accountProperty-backed

Find your facility

Clients