Payments Blog

Pesapal Credit: What It Is, and How to Qualify

What is Pesapal Credit? 

Pesapal Credit is a digital business loan facility that helps SMEs and entrepreneurs access capital without the traditional banking delays. Unlike conventional loans that require heavy paperwork, collateral, or guarantors, Pesapal Credit is built around your business performance. 

It integrates into your daily operations linking your payment collections with financing so you can access capital, maintain healthy cash flow, and invest in growth. 

Why Choose Pesapal Credit? 

Business growth requires more than managing sales, it’s about cash flow, resilience, and strategic investment. Pesapal Credit makes it easier by offering: 

• Instant Loan Eligibility – based on your transaction data. 

• No Collateral or Guarantors – Making Access Simple and Inclusive. 

• 100% Digital Application – from application to approval, everything happens online. 

• Tailored Solutions – financing options designed to meet your unique business needs. 

Pesapal Credit collateral free Options

Pesapal Credit isn’t one-size-fits-all. Here are the tailored facilities available: 

1. Business Overdraft: A short-term credit facility to help you meet immediate financial obligations and keep operations running without interruptions. 

2. Pesapal Merchant Loan: Exclusive to Pesapal merchants, this loan provides quick working capital to restock, manage expenses, and stay ahead of demand. 

3. Oracle Infrastructure Financing: For businesses investing in Oracle software and systems, this facility covers up to 70% of the cost of the software, installation, and setup. 

4. PFMS Stock Financing: Tailored for petrol station owners using the Pesapal Forecourt Management System (PFMS). You can access up to 80% financing for the system, software, installation, and working capital. 

How to Qualify for a Pesapal Business Loan 

Qualifying for Pesapal Credit is simple and straightforward: 

• Be a Pesapal Merchant – Your business must be integrated with Pesapal to track real-time transactions. 
• Demonstrate Consistent Transactions – Your loan eligibility is based on business performance, so steady sales improve your chances. 
• Apply Digitally – The application process is 100% online—no queues, no paperwork. 
• Get Instant Feedback – Once you apply, you’ll know your eligibility almost immediately. 

 

The Future of Business Financing is Digital 

The future of business financing is digital, and with Pesapal Credit, it’s already here. Get fast, flexible access to capital designed around your needs. Apply today and take your business to the next level.

Apply for Pesapal Credit today and unlock the capital your business needs to grow.