01
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Working capital
Keep payroll, suppliers and day-to-day costs moving without waiting on cash flow timing.
Learn more →YOUR MOMENTUM, FUNDED
Capital for the next move your business makes.
Flexible business funding for ambitious South African operators. Move on the opportunity, not after it.
TMALBK+
Built for the people
building real businesses.
STOCK & INVENTORY✦WORKING CAPITAL✦CASH FLOW✦SMES✦SPAZA SHOPS✦SOLE TRADERS✦STOCK & INVENTORY✦WORKING CAPITAL✦CASH FLOW✦SMES✦SPAZA SHOPS✦SOLE TRADERS✦
OUR DIFFERENTIATOR02
Less waiting.
More doing.
Your business does not run on a bank’s timetable. Talo Capital provides responsive, relationship-led funding that keeps your plans moving.
Meet Talo →24hrs
Indicative response
R250k
Potential funding
3mo
Standard facility term
100%
Built around your business
FUNDING SOLUTIONS
One ambition.
More ways to move.
Short-term capital built for SMEs, spaza shops and sole traders — fund stock, inventory and day-to-day costs on a straightforward 3-month cycle.
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Stock & inventory financing
Fund stock and inventory purchases on a simple, short 3-month cycle built for SMEs, spaza shops and sole traders.
Learn more →↻
Pay on time, unlock more.
Every facility repaid on time becomes capital you can draw down again — build a recurring stock financing line simply by keeping your repayments current.
SIMPLE BY DESIGN
From opportunity
to action.
Clear, human and designed to keep pace with you.
Tell us where you're headed
A quick application gives us the essential picture of your business and what you need to achieve.
Receive a tailored offer
We get to know your trading reality, then shape a facility that makes sense for it.
Put capital to work
Once everything is in place, you can move forward—without the unnecessary wait.
PLAN WITH CLARITY
See what your
next move could look like.
Use our quick estimator to start a more informed funding conversation. Your final offer will be tailored to your business.
iIndicative estimates only. Pricing is based on business performance and affordability.
FUNDING ESTIMATOR3-MONTH FACILITY
R
R10kR250k
Standard facility term: 3 months. Interest is a flat 13.5% of the capital, split evenly across the term — the capital itself is repaid with your final instalment.
MONTHLY REPAYMENT (MONTHS 1–2, INTEREST ONLY)
R4 500MONTH 3 REPAYMENT (INTEREST + CAPITAL)
R104 500ONCE-OFF FACILITY FEE (ON APPROVAL)
R2 500
WHO WE BACK
Small business.
Real momentum.
We back businesses with a track record—however small—trading for 12+ months and ready to keep stock moving.
RETAIL & WHOLESALEHOSPITALITYHEALTH & WELLNESSMANUFACTURINGPROFESSIONAL SERVICESLOGISTICS
OPEN TO ALL BUSINESS TYPES, INCLUDING
SMESSPAZA SHOPSSOLE TRADERS
Find your fit →“
Talo understood the opportunity before we had all the words for it. We opened our second location at exactly the right time.
NKNandi KhumaloFounder, The Local Edit
01 / 03
LET’S START A CONVERSATION
Your next chapter
starts here.
Tell us a little about your business. A Talo funding specialist will be in touch within one business day.
Prefer to talk it through?+27 11 555 0198 ↗
Thank you — a Talo specialist will be in touch shortly.