Partnering with Xero to grow your business
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Fast & Simple Application

Apply within minutes online. No hidden fees, no paper work, no branch visits

Get up to R500,000 in 24 hours

Our cutting edge technology allows us to use your Xero data to make a decision on your real business performance in minutes.

Flexible repayments

No early repayment fees.
Pay early and save.
All funding transactions are automatically posted to Xero.

Grow your business

Funding for inventory purchasing, equipment, marketing, cash flow, unexpected expenses, renovations and more.

Link your Xero account to Lulalend and we'll help you with quick, easy access to business funding up to R500,000.

Trusted by Xero users, Lulalend is South Africa’s only online provider of business funding.

How it works

Apply online

Apply online for free. We just need some basic details about you and your business and aim to get you approved in minutes.

Or call us on 087 943 2381 and we can assist you in getting your application underway.

Link your Xero account

On the financial information section of your application link your Xero account.

Funding for successful applications as well as your repayments will reflect directly in Xero. No manual process required.

Receive your decision

You will be provided a decision in minutes – no paperwork, no waiting, no commitment.

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

Get funded

Business funding of R20,000 to R500,000 - we aim to have the funds in your bank account within 24 hours.

Repay in standard instalments over 6 or 12 months. Or choose to pay early with no penalty fee!

What will I pay?

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 dependant) and 2% for each of the remaining months. You can pay early and save.

6 months
Total repayment
No additional costs
Month Capital payment Cost * Monthly payment due
1 0 0 0
2 0 0 0
3 0 0 0
4 0 0 0
5 0 0 0
6 0 0 0
7 0 0 0
8 0 0 0
9 0 0 0
10 0 0 0
11 0 0 0
12 0 0 0
Total 0 0 0
* Based on average Lulalend Score and credit history — no hidden costs and no early repayment fees.

What is Xero?

Xero is easy to use online accounting software that’s designed specifically for small businesses.

  • It's all online, so you can work when and where you want to. Just login with your PC, Mac or mobile.
  • Your bank statements are automatically imported and categorized, letting you see your cashflow in real-time.
  • Invite your team and work together on financials. You can collaborate over your up-to-date numbers.
  • Xero has all you need to run your business – including invoicing, paying bills, sales tax returns, reporting and much more.

Find out more or try Xero Accounting Software for free.

Lulalend not only made it possible for me to get access to the funding I needed for inventory purchases but their application process was easy and uncomplicated. It is completely online so I could do it from anywhere at any time and it took me no more than 10 minutes. A response to my application was also remarkably quick and I received the funding I needed within 24 hours – that’s unheard of with traditional lenders. Phaedon Gourtsoyannis, Founder of Cape Coffee Beans

Get approved for up to R500,000 today. No fees, no commitments.

Apply now