Last week, we kicked off our Tuesday Tip funding series with a deep dive into Invoice Discounting - a great solution for businesses needing to unlock cash tied up in unpaid invoices.
This week, we’re continuing the conversation by unpacking another powerful funding tool: Unsecured Business Loans.
If your business has strong revenue but lacks collateral, this flexible, fast-access funding option could be the key to unlocking your next growth phase. From stocking up to scaling up, unsecured loans are designed to move with your momentum.
How It Works (in simple steps):
Apply online or via a digital platform with your business financials
Get assessed based on your turnover and trading history
Receive an offer within 24–72 hours
If accepted, funds are disbursed directly into your business account
Repay over a fixed term (often daily or monthly), usually within 3–12 months
Why It's Useful:
No Collateral Required - Perfect for startups or service-based businesses without physical assets.
Quick Approval - Funds can be disbursed within 24–72 hours.
Flexible Usage - Use the capital for anything like stock, equipment, marketing, or operations.
Revenue-Based Approval - Lenders focus on turnover and performance, not just assets.
Real-World Example:
Knead Bakery in Cape Town is a clear example of what started as a single café and has now become a well-known brand across the city. During growth phases, they tapped into unsecured funding to invest in staff and equipment, allowing them to meet rising wholesale demand without putting up assets as security.
Key Takeaway:
If your business has solid revenue but limited collateral, unsecured loans are a smart, fast way to fund growth. Flexibility, speed, and minimal paperwork make them a valuable tool in your financial strategy.
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