Get The Funds You Need As Fast As Your Need Them from Mutual Life Africa
Let's Get Your Business From, Where It Is, To Where You Need It to Be
Mutual Life Africa offers flexible business credit facilities ranging from R10,000 to R2 Million, with repayment terms of up to 24 months.
Whether you’re a start-up, SME, or an established business, our tailored loans help you grow, trade, expand, or manage cash flow with ease.
- 🌍 Available to locals, foreign nationals, and expats
- 💙 No deposit or upfront payment required
- ⚡ Fast approvals and policyholder-exclusive benefits
At Mutual Life Africa, We Understand That Your Business is unique, just like our solutions
What We Do
Mutual Life Africa provides business credit facilities to a diverse range of clients—including locals, foreign nationals, and expats—across Africa.
🚀 Start-Ups
We fund new businesses at idea, MVP, or launch stage. Get seed funding, early-stage capital, or hybrid equity-debt finance to kickstart your venture.
📈 SMEs
We support small and growing businesses with loans for working capital, stock, equipment, and growth—all with flexible terms and easy access.
🏢 Mid-Sized & Large Businesses
Established companies can access revolving credit, asset finance, trade and invoice finance tailored to growth and operational needs.
🌍 Foreign Nationals & Expats
We proudly finance businesses owned by foreign nationals and expats. No local credit history required—just your vision and a clear business plan.
👤 Sole Traders & Entrepreneurs
From freelancers to informal traders—we provide quick, affordable funding for tools, inventory, and expansion.
🏗️ Contract Finance
We fund government and corporate contractors or subcontractors—covering materials, labor, and delivery based on confirmed purchase orders or contracts.
Fast, Flexible, and Inclusive Financing for Foreign Nationals, Expats & Locals
Who We Serve
| Criteria | Details |
|---|---|
| Age of Business | New or existing businesses welcome |
| Citizenship Status | Locals, Foreign Nationals, Expats |
| Business Registration | Required (CIPC or equivalent) |
| Bank Statements | Min 3 months (6 months preferred) |
| Financial Records | Required for loans > R500,000 |
| Credit Check | Performed (flexible approach for policyholders) |
| Upfront/Deposit Requirement | ❌ None |
Get The Funding You Need Today
Our business finance is available to startups, SMEs, and established enterprises, including businesses owned by expats and foreign national policyholders.
Trade Finance
Mutual Life Africa offers trade finance of up to R2 Million to support businesses involved in importing, exporting, procurement, and bulk buying.
Trade Finance helps you settle supplier invoices and fulfill international or domestic trade orders smoothly.
✅ Use Cases:
- Pay overseas or local suppliers
- Fulfill high-value purchase orders
- Smooth international procurement
📌 Requirements:
- Valid business registration (local or international)
- Purchase or sales agreement
- Trading history or projected trade volume
- Valid invoice or proforma
Invoice Finance
Turn your unpaid invoices into instant cash. Mutual Life Africa offers up to 80% advance on invoice value so you can unlock working capital while you wait for client payments.
✅ Use Cases:
- Improve cash flow
- Cover operating costs while awaiting payment
- Bridge payment cycles
📌 Requirements:
- Valid invoice issued to a reputable business or entity
- Invoice value above R10,000
- Contract or proof of delivery
- Invoice debtor’s payment history (optional but helpful)
- Proof of Mutual Life Africa policy for reduced fees
Working Capital Loans
Fast access to working capital loans ranging from R10,000 to R2 Million to manage operational costs, emergencies, or growth initiatives.
✅ Use Cases:
- Stock purchases or restocking
- Payroll and rent
- Short-term liquidity gaps
📌 Requirements:
- 6 months bank statements
- Proof of business income or projections
- Business registration document
- Proof of Mutual Life Africa policy for improved terms
Asset-Based Loans
Borrow against your existing business assets such as vehicles, machinery, inventory, or real estate.
We offer flexible asset-based lending for immediate capital injection.
✅ Use Cases:
- Access funds without selling assets
- Fund expansion or upgrades
- Bridge financing for large purchases
📌 Requirements:
- List of business-owned assets
- Asset ownership documents or invoices
- Valuation (we can assist with this)
- Proof of business registration
Purchase Order Finance
We fund your confirmed purchase orders. Mutual Life Africa pays your suppliers directly, enabling you to deliver goods or services before getting paid.
✅ Use Cases:
- Fulfill large retail, corporate, or government POs
- Fund supplier deposits and material costs
- Maintain supplier relationships without credit delays
📌 Requirements:
- Official signed PO
- Valid supplier invoice or quote
- Delivery timeline
- Business registration
- Past delivery record (if available)
Start-Ups Loans
Mutual Life Africa offers tailored start-up finance of up to R500 000 to help entrepreneurs, innovators, and emerging businesses turn ideas into thriving ventures.
We provide both equity and debt funding to qualified start-ups with scalable models, minimum viable products (MVPs), or signed contracts.
Start-up finance is available to:
- 👨💼Locals
- 🌍 Foreign Nationals
- 🌐 Expats
💼 What We Fund:
- Seed-Stage Capital – For idea validation, prototypes, and early testing
- MVP & Launch Funding – For product or service launch
- Growth & Expansion Capital – For start-ups with traction looking to scale
- Contract Execution – Funding to deliver on signed contracts, tenders, or confirmed order.
✅ Qualifying Requirements:
- Registered business (or in the process)
- Pitch deck or business plan
- MVP or prototype (where applicable)
- Signed agreements or LOIs (if available)
- Proof of market need or interest
- 6–12 month financial projections