Be ready for demand.
Explore funding to replenish stock or prepare for a new sales opportunity.
Supporting South African businesses
You see the
opportunity.
Let's explore
the funding.
Stock to buy. Orders to fulfil. A business to keep moving. Explore short-term unsecured lending with JRA.
Unsecured lending — no collateral required.
Funding facilitation through JRA Commercial Funding.
Subject to affordability, funder assessment and approval.
Registered South African companiesMore than 12 months tradingR1m+ annual turnover
Make your next move
Funding with a business purpose.
A short-term facility should support a clear need and a realistic repayment plan. Tell us what your business needs to achieve.
Keep operations moving.
Discuss funding for day-to-day operating needs while managing your business cash flow.
Bridge a temporary gap.
Explore short-term support while awaiting business receipts, with a clear repayment plan.
Before you enquire
Is your business
ready to apply?
These are our initial enquiry criteria. Meeting them does not guarantee a funding offer.
JRA facilitates funding enquiries. The funder determines approval, pricing, any guarantee requirements and repayment terms.
- A registered company in South Africa
- Trading for more than 12 months
- Annual turnover of R1 million or more
- A clear funding purpose and ability to repay
A straightforward start
From enquiry
to assessment.
Start with a conversation. We'll explain the next steps and the information needed for your funding enquiry.
01 — Tell us about your businessShare your trading history, turnover, funding amount and purpose.
02 — Prepare the informationWe'll discuss the documents required for funder assessment.
03 — Review any offer carefullyConsider the full cost, repayment schedule and conditions before deciding.
Let's talk business
Your next step
starts here.
Complete these few details to prepare a WhatsApp message. You review and send it in WhatsApp.
Based in Pietermaritzburg. Enquiries welcome from across South Africa.
Useful to know
Your questions, answered.
Does JRA guarantee approval?
No. Funding is subject to affordability, the funder's criteria and assessment. The funder makes the lending decision.
How quickly can funding be arranged?
Quick turnaround times may be available, but depend on the funder, application completeness and assessment. No fixed approval or payout time is guaranteed.
What does unsecured mean?
Unsecured lending means no asset collateral is required. Funders may still require personal guarantees or other contractual commitments. Funding remains subject to affordability, funder assessment and approval. Review the actual offer carefully.
Can I apply for a new business?
This short-term funding service is aimed at registered companies trading for more than 12 months, with annual turnover of R1 million or more.
What are the rates and fees?
Pricing depends on the funder and your assessment. Request a written explanation of the full funding cost, any JRA fees and repayment obligations before proceeding.