Yalu Loans

Yalu Loans is a South African online loan facilitator that helps CIPC-registered businesses apply for unsecured business finance through a panel of private lenders.

Key capabilities include:

• Online application with fast turnaround: businesses submit a web form, then complete verification and provide supporting documents; applications can be approved in as little as 24 hours, with payout after signing the agreement.
• Unsecured business loans: funding is offered without collateral, with eligibility based on factors such as time in business and turnover.
• Single application, multiple lender offers: one submission can be shared with multiple private lenders to improve approval odds and compare rates and terms.
• Repayment examples and planning tools: the site provides illustrative loan examples showing weekly instalments (for example, 13 weekly repayments over 3 months) and a loan calculator to estimate repayment structures.

Available on Web.

It targets South African SMEs that have traded for 12+ months and have annual turnover of R1 million+, seeking funding for working capital, stock purchases, equipment, bridging finance, expansion, or short-term cash flow gaps.

Notable in South Africa’s SME finance market for focusing on quick, unsecured business funding via a facilitator model (rather than a direct lender), with clear eligibility criteria and documented repayment examples to help businesses evaluate short-term finance options.