---
title: "Lula: Business Loans in South Africa — Fees"
description: "Get online SME funding in South Africa: up to R5m fixed-term repaid over 3–12 months, or a revolving facility with no monthly fees."
canonical_url: "https://liners.com/lula-lend"
markdown_url: "https://liners.com/lula-lend.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/lulalend/screenshot.webp?v=1773066151295"
published_at: "2026-03-09T21:28:31.639Z"
updated_at: "2026-09-21T10:42:19.439Z"
---

# Lula: Business Loans in South Africa — Fees

Get online SME funding in South Africa: up to R5m fixed-term repaid over 3–12 months, or a revolving facility with no monthly fees.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Lula](/lula-lend)

## Summary

Get SME funding online in as little as 24 hours

Lula is an all-digital business funding platform for South African SMEs, offering flexible revolving working capital, fixed-term funding, and trade capital with online applications.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.lulalend.co.za/ |
| Tagline | Get SME funding online in as little as 24 hours |
| Primary country | South Africa |
| Platforms | Web, Android, iOS |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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 **no additional costs** and potential savings from early repayment.

Available on **Web** (via an online application and secure portal), **Android**, and **iOS.**

Target audience: **B2B South African small and medium-sized enterprises** that have been operating for **1+ years** and generate **R500,000+ annual revenue**.

Notable in the South African market for providing fully online SME funding with funding amounts up to **R5 million**, potential access to funds in as little as **24 hours**, and additional trade-credit functionality (Lulapay).

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [BNPL](/tags/bnpl): Product feature or technology
- [Credit Scoring](/tags/credit-scoring): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [South Africa](/countries/south-africa): Market

## Related pages

- [Alternatives](/lula-lend/alternatives)
- [Reviews](/lula-lend/reviews)
- [Transparency](/lula-lend/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/lula-lend)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)