Lula

Lula is an all-digital business funding platform for South African SMEs that need working capital, short-term growth funding, or trade credit.

Key capabilities include:

• Cash Flow Facility: A revolving, working-capital facility where businesses can access funds as needed and only pay for what they use, with no monthly account or admin fees.
• Fixed-Term Funding: A once-off lump sum of up to R5 million, repaid over 3, 6, 9, or 12 months, with fixed fees and no early repayment penalties.
• Lulapay (trade capital): Supports instant seller payments while customers get up to 6 months to pay, designed for businesses that want to offer terms without waiting to get paid.
• Funding calculator: Lets businesses estimate repayments and view costs, with examples showing and potential savings from early repayment.