Win with EC Loans!

Need your loan approved fast?
You can have the money you need in your account just hours after your loan application is approved

Business Loans

We move as fast as your business. Apply today with absolutely no commitment and get access to R20,000 – R500,000

Fast & Simple Application

Apply in minutes and receive funding in hours.

We Say ‘Yes’ More

Using the latest technology, we make decisions based on your real business performance.

Completely Flexible

Repay as soon as you like and save. No early repayment fees, ever!

South Africa’s Only Online Provider of Business Funding

We are experts in what we do and provide the highest level of security.

How it works


Or call us on 021 200 6011 and we can assist you in getting your application underway.


Receive your decision

You will be provided a decision once we received the completed application. It takes about 24 hours to get an answer.

Our fees are transparent and easy to understand so that you know exactly how much needs to be repaid.



Business funding of R20,000 to R500,000 – we aim to have the funds in your bank account within 2 business days.

Repay in standard installments over 6 months. Or choose to pay early with no penalty fee!

We’ve simplified the lending process with our 6 and 12 Month Plans. Every month you pay back 1/6th or 1/12th (depending on which plan you choose) of the total advanced amount plus the monthly cost. Monthly Costs are 3% – 10% of your advanced amount for the first 2 or 4 months (plan dependent) and 2% for each of the remaining months. You can pay early and save.

Do you qualify?Our minimum qualifications are less intensive than those of banks.

We’re focused on getting you approved so your business can thrive.

Time in Business – 1+ years

Annual Revenue – R500,000 +

Location – South Africa

Typical funding uses include:

  • Purchasing Inventory
  • Hiring Employees
  • Launching Marketing Campaigns
  • Purchasing Equipment
  • Remodeling / Renovating
  • Opening New Locations
  • Managing Cash Flow
  • Handling Unexpected Expenses
  • Bridging Receivables Gaps

Who we are

EC Loans is more than a company. It’s a belief in the power of small business, making a difference, building a better solution and striving for excellence. We work hard to empower businesses across South Africa with the funds they need to grow, and we have a great time doing it!

Our principles

  • We believe small businesses are the key to local economic success and deserve an easy and inspiring lending experience.
  • We know time is money, and our products and services are designed to keep owners moving at the speed of business.
  • We make sure that our funding costs and terms are transparent and understandable.
  • We know that having someone to speak with about financing is important, so we have Specialists available to answer any questions.
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