It is a known fact that every business needs Working Capital. Without sufficient cashflow, a business cannot function. Some of the most common needs for working capital are:

  • wages and salaries,
  • 13th cheques or year-end bonuses,
  • inventory or stock,
  • raw materials, or
  • rent and other operational expenses.

Solving cash flow challenges and managing the amount of working capital you have on hand is a necessary part of every business owner’s job.

If your business is at a point where you need temporary working capital to help relieve strain on your bank balance or to help you seize additional growth opportunities, it’s time to consider Bridgement Business Finance – a solution to your working capital issues.

Short Term Business Loans for working capital management


While there is a range of options available for business owners looking for a loan to help with their working capital management, business loans can be difficult to obtain and take a long time to process.

South Africa’s major banks offer a range of loans for businesses. They offer short term and long-term loans, as well as specialized loans for equipment and vehicles. But applying for a business loan through a bank is an arduous process that takes a long time.

You may have to meet a specific set of stringent requirements and you will need to provide supporting documentation along with your application. Many banks require a range of documents including business plans, financial statements tax records, and even financial forecasts. You might even have to sign surety and provide assets as collateral.

Once your application is submitted, banks can take up to two months to inform you of your application status. Once approved, you will still need to wait for the money to be transferred to your account. All in all, a bank loan is not ideal for the business owner who requires a short-term loan to solve an immediate working capital need.

An alternative to business loans: financing from Bridgement


Introducing an alternative for a business owner looking for an effective working capital loan.

Bridgement’s financing solutions have changed the way businesses apply for working capital financing in South Africa.

What sets Bridgement apart is its innovative online application process. With Bridgement, you can apply for a working capital loan quickly and easily. You apply in under 2 minutes and get an answer within 24 hours.

Bridgement can offer loans of a million Rand or more – but they also offer much smaller loan amounts, starting from R10 000. With a working capital facility from Bridgement, you can withdraw the funds you need, whenever the need arises.

The best part of a Bridgement facility is that once you’re approved for one, you can withdraw funds 24/7 online, and the funds will be sent your way immediately.

Bridgement’s pricing is completely transparent with a single fee for every withdrawal from your facility. There are no hidden costs or surprises. There are no account fees so when you aren’t using your facility, you don’t pay anything. Monthly fees start from as little as 1.7%. In fact, Bridgement even rewards you with an early settlement discount if you choose to repay your loan early.

How Bridgement can help with your working capital management strategies


Bridgement helps business owners to access fast and flexible funding online. Their quick and simple application process makes it easy to apply for the finance you need, allowing you to worry less about cash flow, and spend more time growing and improving your business.

How to apply for a working capital business loan


Bridgement offers the perfect cashflow management tool for your business. To apply, simply complete the two-minute application process online. It’s effortless and you’ll have an answer within a few hours. Once approved for a facility, you’ll be able to withdraw funds instantly at the click of a button 24/7.

Remember, there’s no fee to apply, and once you’ve been approved, you are under no obligation to borrow any money. So try it out right now and see how much you qualify for.