Lula

Lula is a FinTech company founded in 2014. We offer all-digital business funding and banking accounts for Small and Medium Enterprises (SMEs).

Our two main funding solutions are a Cash Flow Facility, a revolving loan with no monthly account or admin fees, and Fixed-Term Funding, a lump sum repaid over 3, 6, 9, or 12 months with fixed terms and no early repayment penalties. You can apply for up to R5 million, with funds disbursed in as little as 24 hours. To qualify, businesses need to have operated for at least one year, generate R500,000+ in annual revenue, and be based in South Africa.

We also provide Lulapay, a trade credit solution that gives businesses instant payment while their customers get up to 6 months to pay. Our SME banking services are fully digital, letting you open accounts in minutes without branch visits. Accounts include budgeting and insights tools.

We specialize in business funding, financial technology, customer service, automation, and SME banking. We are based in Cape Town.

Our mission is to help small businesses manage cash flow by making it fast and simple to run their business through a digital bank account. We aim to make business banking fast, easy, and human, empowering SMEs to succeed.

We provide real help from humans who care, prioritizing direct interaction and fast response times.

We have 51-200 employees. We foster a human-focused environment, valuing direct interaction. We aim to provide “real help from humans who care” rather than relying on automated responses.

Our culture promotes building long-term relationships, collaboration, and a focus on client satisfaction and revenue growth. We work in a fast-paced environment.