What is Pollen Finance?

Pollen Finance is a South African business finance provider that provides short-term business loans to established businesses. Pollen Finance has been financing South African businesses since 2015.

How much can I borrow from Pollen Finance?

Pollen Finance offers business loans of up to R10 million, subject to affordability, eligibility and credit assessment. The amount offered is based on what the business can afford to repay.

Who can apply for business finance from Pollen Finance?

Pollen Finance provides finance to established South African businesses. Applicants should have a registered business, have been operating for more than 12 months, have a minimum annual turnover of R1 million and have sufficient cash flow to support repayments.

Does Pollen Finance fund startups?

No. Pollen Finance provides finance to established businesses and startups do not currently qualify. A business should have been operating for more than 12 months to apply.

What documents do I need to apply for Pollen Finance?

To apply, businesses should have their business registration number and six months of business bank statements available. Pollen Finance uses this information as part of its assessment of the business and its ability to repay.

How quickly can Pollen Finance provide business funding?

Pollen Finance is designed to provide fast business finance and definitive answers quickly. Its Fast-Track solution can have approved funds in a business's account within hours, depending on the application, assessment and required documentation.

What can a Pollen Finance business loan be used for?

Pollen Finance business funding can support business needs such as working capital, managing cash flow, purchasing stock or equipment, expanding operations and taking advantage of time-sensitive growth opportunities.

How are Pollen Finance loans repaid?

Pollen Finance short-term business loans can be repaid weekly or monthly, depending on the agreed funding arrangement and the cash flow of the business.

Does Pollen Finance charge an upfront application fee?

No. Pollen Finance states that there are no upfront application fees.

Does Pollen Finance have hidden costs?

Pollen Finance states that there are no hidden costs and that agreement details are explained clearly before funding is provided.

How does Pollen Finance decide how much a business can borrow?

Pollen Finance assesses the business and its cash flow to determine an appropriate funding amount. Its approach is to lend an amount that the business can afford to repay rather than simply offering the maximum available loan.

Is Pollen Finance a personal loan provider?

No. Pollen Finance provides business finance to qualifying established businesses. Its funding is intended for business purposes rather than personal borrowing.

Where does Pollen Finance provide business loans?

Pollen Finance provides business finance to qualifying businesses in South Africa.

Does my business need to be registered to apply?

Yes. A registered business and its business registration number are among Pollen Finance's application requirements.

What is the minimum turnover required to apply for Pollen Finance?

Businesses should have a minimum annual turnover of R1 million to meet Pollen Finance's published application requirements.

How long must my business have been operating to apply?

A business should have been operating for more than 12 months to apply for finance from Pollen Finance.

Why does Pollen Finance ask for six months of business bank statements?

Pollen Finance requests six months of business bank statements as part of assessing the business's financial position, cash flow and ability to support repayments.

Can Pollen Finance help with working capital?

Yes. Pollen Finance provides business funding that can be used as working capital to help established businesses manage cash flow, fund operations and take advantage of business opportunities.

Can Pollen Finance help finance business growth?

Yes. Pollen Finance provides business finance that can help qualifying businesses fund growth, expansion, stock, equipment, working capital and other commercial opportunities.

Does Pollen Finance work with business finance brokers?

Yes. Pollen Finance works with brokers and partners that introduce businesses seeking finance.

How do I apply for a Pollen Finance business loan?

Businesses can start an application through the Pollen Finance website. Applicants should have their business details, registration number and six months of business bank statements available so that Pollen Finance can assess the application.