Loan Circle Finance is dedicated to helping small and medium-sized businesses access fast, fair, and reliable finance. We believe every business owner deserves clear options, simple processes, and support they can trust. Our purpose is straightforward: to make business funding easier, smarter, and more accessible for everyone.
Our mission is to empower business owners with the financial tools they need to grow, innovate, and succeed. We focus on removing barriers, simplifying applications, and delivering funding solutions that work in the real world.
We offer a range of finance products designed to support everyday business needs:
Business Loans – Quick decisions, straightforward terms, and competitive rates.
Flexible Credit Lines – Access funds only when you need them.
Business Credit Cards – Smart tools to manage and control spending.
Partner-Driven Asset Finance – Helping you secure the equipment or vehicles your business relies on.
Our online process is built around speed and simplicity — from application to approval.
Learn how to apply, what information you need, and how long it takes to receive a decision and funding.
You can apply using our simple online form. Just tell us the amount you want and your preferred repayment period. We’ll check eligibility quickly — often in less than a minute. If approved, you’ll get a personalized quote; once accepted and signed, the funds can be deposited into your business account.
Once everything is signed and your direct debit (or payment method) is set up, many applications are funded quickly — timing depends on internal checks and banking processes.
Our offer reflects an assessment of what your business can afford, based on credit review, loan size, and repayment term. This sometimes means a lower amount or shorter term than requested.
No — once a loan contract is signed, it cannot be cancelled.
Understand how quickly you can get your money once your application is approved and documents are signed.
Yes — you can settle your loan early. Depending on your loan type, there may be no early-repayment fees.
If you foresee being late, contact us as soon as possible. We may be able to offer support or options depending on your circumstances.
Yes — if you need to update your direct debit or payment method, contact our support team and they will help you make the change.
Repayments are usually calculated as fixed monthly payments over the agreed term. If you settle early, you’ll generally pay off the outstanding balance and any accrued interest — and won’t need to continue monthly payments.
Learn how interest rates are decided, how credit checks work, and what to expect if you choose to pay off your loan early.
our interest rate depends on several factors, including your business profile, loan size, repayment term, and our credit assessment. Your exact rate will always be shown clearly in your personalised loan offer.
We may run an initial soft check so you can explore borrowing options without affecting your credit score. A full credit check only happens when you accept your loan offer.
To repay early, request a settlement figure from our team. We will provide the amount and instructions, and you simply need to make the payment before the stated valid-until date.
Yes. After your settlement payment is processed, you can request confirmation from us to show that your loan has been fully closed.
Find out how we protect your account, the support available during difficult times, and the different ways you can contact our team for help whenever you need it.
If you notice anything unusual, contact our support team immediately by phone or email. If the issue involves a card, you may be advised to freeze it through your online account for protection.
Our dedicated support team is trained to help customers dealing with financial pressure or personal challenges. Reach out to us and we’ll work with you to find a suitable solution.
You can contact us by phone, email, or through the contact form on our website. Our team is always ready to help with any questions you may have.
Yes — we offer extended support hours on weekdays to make it easier for you to get help when you need it. You can reach us during standard business hours, with additional early evening availability.
We specialise in small business finance — it’s all we do.
Fast decisions, often within the same working day.
Simple online applications without endless paperwork.
Transparent terms and no hidden fees.
Dedicated support from a team that understands business challenges.
We focus on building long-term relationships based on trust, clarity, and consistent support.
Senior Underwriting Specialist
Senior Underwriting Specialist
Head of Customer Experience
Head of Customer Experience
Chief Financial Officer (CFO)
Chief Financial Officer (CFO)
Head of Credit & Risk
Head of Credit & Risk
Marketing & Communications Manager
Marketing & Communications Manager
Chief Executive Officer (CEO)
Chief Executive Officer (CEO)
Senior Business Finance Advisor
Senior Business Finance Advisor
Chief Operating Officer (COO)
Chief Operating Officer (COO)
Have questions about our services or need assistance with your application? Our team is ready to provide fast, friendly support.
+27116203292
637 Carolina St Faerie Glen Pretoria, 0081, South Africa
Mon - Sat, 09.00 - 17.00
Get a clear path to your financial goals.
