We look to tomorrow’s growth to help you
prosper today


imali capital

Is access to working capital holding you back?

You’re doing all the right things – driving your business to succeed, building an inspired, motivated team, and thrilling your customers with superb service and brilliant products – yet access to working capital is holding you back.

Need to buy stock, pay salaries, carry out refurbishments, hire more staff, invest in marketing or buy new equipment?

We’ll give you the boost you need with an imali business cash advance – a great short-to-mid-term working capital solution to help your business grow.




imali capital

In Zulu it is said: “tshala imali ngobuhlakani ukuze ikhule” (“invest the money wisely so that it grows”). At imali, we believe that investing in the growth of SMEs is investing wisely in the future of South Africa.

Our mission at imali is to break down barriers to small business funding in South Africa.

imali is a proudly South African fintech company: our shareholders are South African, our directors are South African, and we only do business in South Africa. We have created a pioneering funding product to give retailers and merchants access to the working capital they need to grow and prosper.

Tied to future sales, an imali business cash advance unlocks funding with speed, simplicity and flexibility.

Our team has more than a century of experience in banking and financial services. We understand that solid cash flow is the oxygen that sustains a business. We understand that speed of delivery is the secret to success. We understand that steady daily instalments ease pressure on cash flow.

At imali, we understand the funding needs of growing enterprises.



cash advance

  • The cash advance is based on future sales, with affordable daily repayments.
  • The documentation is transparent and tailor-made.
  • The application process is speedy and simple.
  • The funds are provided in a few days, rather than weeks or months.
Obtain funding as and when you need it – and then activate your business plan!


for your business

  • You don’t have to put any personal or business assets on the line to qualify
    When approaching a traditional financial institution, it’s a common expectation that you’ll have to provide some form of collateral to secure the loan, in the event that you default on what you’ve borrowed. Not so with our business cash advance.
  • It’s a simple, hassle-free process
    Applying for a commercial loan and getting approval from a traditional financial institution is not an easy task; it might take months, and your application is often rejected when you least expect it. Not so with our business cash advance.
  • It’s affordable
    Collections are based on your future sales, and you’ll only pay an affordable percentage of the money your business generates – so you don’t have to worry about hefty monthly instalments. This allows your business to remain viable, without budget cuts that traditional monthly loan payments often entail.