Business Loans
Business Loans Just Got Easier
Smart Capital for Smart Businesses
Running a business requires more than just managing sales – it’s about maintaining positive cash flow, handling unexpected expenses, and investing in growth opportunities.
Pesapal Credit is a smart digital credit solution that integrates with your daily operations, from your payment collections to your financing gives you one intelligent platform to grow your business, access capital, and stay in control of your cash flow.
The Future of Business Financing is Digital
Pesapal Credit offers modern, accessible lending solutions powered by data from your real-time transactions. With Pesapal Credit, you get:
- Instant loan eligibility based on your business performance
- No collateral or guarantors required
- 100% digital application and approval process
- 100% digital application and approval process
Tailored Loan Solutions for Your Business
Business Overdraft
The business overdraft is a credit facility that aims to help you meet the short-term financial obligations in your business.
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Pesapal Merchant Loan
The Pesapal merchant loan provides a short-term credit facility to Pesapal merchants with the much-needed working capital they require to run their business.
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Oracle Infrastructure Financing
The Oracle infrastructure financing credit facility seeks to help you to acquire financing for the Oracle software. You can qualify for up to 70% of the total amount of the system, software and installation.
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Pesapal Forecourt Management System (PFMS) Stock Financing
PFMS stock financing helps you to acquire the FMS system for your petrol station as well as working capital. You can qualify for up to 80% of the total amount of the PFMS system, software, installation and working capital.
Learn MoreTotal Visibility with Smart Credit Tracking
Use the Pesapal platform to view your loan balance, repayment status, and credit limit in real time. Take control of your financial planning and grow with confidence.
Built for Your Business
Unlike traditional lenders with rigid processes and outdated credit assessments, Pesapal Credit is made for African businesses – especially SMEs in retail, hospitality, and fuel retail sectors. Our digital-first approach ensures you get the capital you need without disrupting your operations or growth.
See It In ActionHow Pesapal Credit Compares
| Feature | Pesapal Credit | Traditional Bank Loans |
|---|---|---|
| Collateral Requirements | None | Often Required |
| Application Time | Instant | Days to Weeks |
| Integration with Business Tools | Yes (Openfloat, POS) | No |
| Repayment Automation | Yes | Manual |
What Our Customers Say
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Fast, flexible loans designed for businesses like yours.