# [Yalu](https://yalu.co.za) > Yalu connects established business owners with private lenders to secure up to R6 million in funding for expansion. In order to be eligible for funding, businesses must have been trading for 12 months and generated a minimum of R1 million in sales. ## Posts - [**10 Cash Management Solutions for Growing Businesses**](https://yalu.co.za/blog/cash-management-solutions-for-growing-businesses/) : Quick Answer: Cash management solutions for growing businesses fall into two categories: financing options that inject capital quickly (unsecured loans, invoice discounting, credit facilities) and operational practices that free up cash already in the business (forecasting, faster collections, inventory discipline, cash reserves). Fast-growing businesses usually need both — financing to bridge the immediate gap, and... - [**Unsecured Business Loan Interest Rates and Costs in South Africa (2026)**](https://yalu.co.za/blog/unsecured-business-loan-interest-rates-and-costs-in-south-africa/) : Quick Answer: Unsecured business loan interest rates in South Africa range from 1% to 6% per month depending on the lender and your business’s risk profile. Yalu’s lending partners charge a fixed rate of 4.17% per month — equivalent to 25% over a 6-month term. There are no initiation fees charged to your business, no... - [**What Is an Unsecured Business Loan? A Plain-English Guide for South African Business Owners**](https://yalu.co.za/blog/what-is-an-unsecured-business-loan-a-plain-english-guide-for-south-african-business-owners/) : Quick Answer: To qualify for an unsecured business loan in South Africa through Yalu, your business must be registered with the CIPC, have been trading for 12 months or more, and have an annual turnover of R1 million or more. Revenue must flow through a business bank account via EFT, debit order, credit card, or... - [**Unsecured vs Secured Business Loans in South Africa**](https://yalu.co.za/blog/unsecured-vs-secured-business-loans-in-south-africa/) : Quick Answer: The core difference is collateral. A secured business loan requires you to pledge an asset — property, equipment, or vehicles — which the lender can seize if you default. An unsecured business loan requires no collateral; the lender assesses your cash flow and trading history instead. Secured loans are cheaper and longer-term. Unsecured... - [**Compare Business Loans in South Africa (2026)**](https://yalu.co.za/blog/compare-business-loans-in-south-africa-2026/) : Quick Answer: South Africa’s leading alternative business lenders in 2026 include Lula (formerly Lulalend), VodaLend, TymeBank Business Advance, Swoop, Fundrr, and Pollen Finance. They differ significantly on minimum turnover thresholds (R360,000 to R1M+ annually), loan amounts (R10,000 to R6M), repayment terms (3 to 24 months), and whether they are direct lenders or brokers. Yalu’s key... ## Pages - [**Business Loan Calculator**](https://yalu.co.za/loan-calculator/) : Business Loan Calculator Finance may be a critical driver of business growth but it’s always wise to determine the full cost of a loan before entering into an agreement. Our business loan calculator is an effective way of estimating what you owe, based on the amount borrowed and the repayment terms. How to use our... - [**Yalu offers manufacturing loans in South Africa.**](https://yalu.co.za/yalu-offers-manufacturing-loans-in-south-africa/) : Yalu offers manufacturing loans in South Africa. Running a manufacturing business in South Africa comes with many financial demands, from purchasing raw materials to upgrading machinery and covering labour costs. However, securing traditional loans can be challenging, especially if you lack collateral. Unsecured business loans offer a flexible funding solution without the need for assets... - [**Business Insurance**](https://yalu.co.za/business-insurance/) : Business insurance Get better prices on business insurance and skip the call centres and elevator music. Yalu offers a direct insurer service, allowing us to provide direct quotes without charging you any broker fees. We keep things simple – you can choose the coverage that best fits your business needs, at the best available price.... - [**Apply**](https://yalu.co.za/apply-now/) : Apply for an unsecured business loan. What were your sales over the past 12 months? Select an option below. If your business made sales of over R1 million in the last 12 months, apply here: If your business made sales of under R1 million in the last 12 months, apply here: Illustrative example Loan Amount... - [**FAQ**](https://yalu.co.za/faq/) : Frequently asked questions Getting a cash loan for your business is easier than you think. Get a business loan in 24 hours