Bridgement

Bridgement is a South African online business funding platform that provides SMEs with fast access to working-capital finance through a fully digital application and a dashboard-based credit facility.

Key capabilities include:

• Business credit facility (R20,000 to R10,000,000) with online application in about 2 minutes, typically processed within 24 hours, and repayment terms of 1 to 24 months.
• Business term loans for once-off funding needs, with fixed-cost pricing, access to funds within 24 hours, and discounts for early settlement.
• Revolving line of credit for ongoing cash-flow needs where businesses can withdraw one or many times, pay only for what they use, and prepay to reduce finance costs.
• Invoice finance that provides advances against unpaid invoices, allows selection of one or multiple invoices, offers repayment over 1 to 24 months, and does not require disclosure to the client.

Available on Web, including online application, approval flow, and 24/7 dashboard access for withdrawals and facility management.

Designed for South African registered SMEs across sectors such as agriculture, construction, e-commerce, retail, hospitality, medical practices, and professional services that need funding for cash-flow smoothing, inventory and equipment purchases, or growth.

Notable in the South African fintech lending market for its AI-assisted credit assessment using connected bank and/or accounting data, single fixed finance cost per withdrawal (no interest, application charges, or ongoing facility fees stated on the site), and industry recognition including Xero South African App of the Year (2023, 2025) and other funding-provider awards listed on the platform.