Our Partners

Fincheck Business is selective about who we partner with. Each of our partners has been vetted by one of our founders to ensure you are working with the best in the industry.

Retail Capital

Retail Capital is a pioneer in the merchant factoring space. Since inception Retail capital has grown its distribution network far and wide which enables them to originate loans to all types of businesses.

Fincheck Business has worked closely with Retail capital over the past year. Through all interactions Fincheck Business has been impressed by the service that the team deliver, as well as their knowledge of the industry.

  • Retail Capital offers loans up to R3,000,000. The company was established to provide businesses with an accessible, flexible and convenient alternative to traditional business loans. Retail capital offers Merchant Cash advance finance to business of all sizes.
  • Retail Capital prides itself in setting out sustainable repayment terms which are designed to fit your business cycles.
  • If you are looking to scale up on machinery, buy new stock, grow your business or buy new equipment. Retail Capital may be able to assist.
  • The minimum requirements your company needs to achieve in order to pass for finance from Retail Capital are:
    • Greater than R30,000 turnover per month from a card machine or payment gateway
    • Been in business longer than 6 months
    • Registered company


Lulalaend is one of the pioneers of the SMME finance industry in South Africa and is one of the fastest growing business financiers in the world. Through their proprietary technology, Lulalend can originate loans in just two days. Lulalend focuses in the unsecured lending sector with a focus on facilitation of working capital that can be paid back in a six-month period.

Fincheck Business has worked with Lulalend for over a year. During this period, Smart business loans has received warm indications about Lulalend’s business practice.

  • Lulalend offers unsecured loans up to R200,000. The company was established to provide fast and easy small business finance. Lulalend offers a full online application process with no paperwork.
  • Lulalend offers unsecured loans over a repayment period of either 6 months or 12 months. The company will work with you to establish what plan will work best for your business.
  • Lulalend prides itself in offering no paperwork finance for small companies. Your company health and personal credit score is taken into account when qualifying.
  • The minimum requirements your company needs to achieve in order to pass for finance from Lulalend are:
    • Minimum annual revenue of R500,000
    • Been in business for longer than 1 year
    • Registered company

Business Fuel

Business Fuel was started in 2010 with the aim of originating loans that the formal banking sector was not able to facilitate. Since incorporation, Business Fuel has become a market leader in the business lending space. Over the years, the Business Fuel team and technology have introduced new lending products to the SMME market mainly being, unsecured finance, secured finance and invoice discounting.

Fincheck Business has worked with Business Fuel over the past year and has been highly impressed with the business. An applicant can receive their funds just three days after making their initial application, but more importantly, the borrower is able to work with the Business Fuel team to create a product that is best suited to the cashflows of the business.

  • Business Fuel offers unsecured loans up to R5,000,000. The company works hard to assist companies that are doing well, to do better.
  • Business Fuel prides itself in offering the right loan at the right price
  • Your monthly repayments will be less than 5% of your monthly turnover.
  • Business Fuel understands that time matters. Upon completing your application form, the company will work hard and fast to get you your finance within 3 days.
  • The minimum requirements your company needs to achieve in order to pass for finance from Business Fuel are:
    • Minimum annual turnonver of R1,000,000
    • Been in business for longer than 1 year

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Fincheck Business is a business financial comparisons website. Fincheck Business has partnered with numerous banking and non banking lenders to provide the user a simple application for multiple providers. Lenders benefit from an additional market place and extensive customer reach. Loan amounts vary from lender to lender. Fees, interest rates, loan amounts and credit scores influence the repayment terms. Lenders require personal and company details to control their risk and assist the government to combat theft, money laundering, terrorism. Fincheck Business does not endorse any particular product or company. We are an independent company acting as a subsidiary of Finch Technologies (PTY) Limited. The information shown and provided is an opinion, based on numbers and must not be seen as advice or consultation.