The Bank Looks At Your History, We Look At Your Future.

Let us help your small business with the working capital you need.

Bright On Capital Is An Authorised Financial Services Provider And Registered Credit Provider (NCRP7586)

About us

Bright On Capital is a black-owned online lender that provides affordable working capital, funding solutions to small and emerging businesses with sustainable growth prospects. If the bank has rejected you, you’ve come to the right place. We go out of our way to understand your business and its potential. If you have a recent successful track record of supplying to one or more corporates or public-sector entities we can help you.

As a small businesses, you can access revolving credit facilities of up to R1 million to execute on procurement opportunities sourced from qualifying large organisations. Bright On Capital gives you the confidence to pursue bigger orders, explore bigger opportunities and grow your business.

Bright On Capital is an Authorised Financial Services Provider and a Registered Credit Provider (NCRP7586).

The Bright On Capital Approach

Traditional Banks

If you are an emerging business with less than 5 years trading history, getting a loan from the bank is not always possible.
Traditional banks have unrealistic criteria for approving businesses loans, many entrepreneurs or small business will not qualify, banks require:

  • 3-years trading history
  • Consistent and predictable turnover and profitability
  • Tangible assets as security

Bright On Capital

Bright On Capital provides an innovative approach to small business lending by focusing on understanding a small business'

  1. Products & Services
  2. Operating Capacity & Capabilities
  3. Cashflows

This allows us to determine an appropriate funding solution that best reflects your business’ position and funding needs.

Bright On Capital is


  • Transact online 24 hours a day
  • No paperwork required
  • Only simple and easily accessible information required


  • Apply for your facility and get pre-approved in less than 48 hours
  • Access your loan facility in less than 4 hours


  • Finance only what you want, and when you need it


  • Upfront and clear finance costs, and no hidden fees
  • All selected debtor payments paid into your clearing account
  • all supplier payments funded through your facility are processed through your clearing account
  • 24 / 7 Online access to view your clearing account transactions


  • Dynamic interest rates are calculated to best suit you and your business` circumstances

Align your loan repayments to your cashflow

  • Repay your loan upon the payment of your invoices

Bright On Testimonials

Genlou Industrial: Zanele Masilela

Charl Projects: Charles Nkadimeng

Big Broz Radebe: Billy Radebe

Margen Industrial: Moses Mahlangu

Sandlasomzulu: Kgaugelo Ramotlogo

Our Funding Partners