Please be informed that due to Covid-19, applications for finance may take longer than usual. Visit the South African online resource and news portal.


If you have any queries, we’re here to answer. If you don’t see your question here, drop us a mail at

In our experience, the biggest factor in how quickly you’ll get finance is you. Most lenders will reply quickly (within 48 hours), and  HMT will work hard to keep things moving. If you’ve got all the documentation ready, it’s often possible to get the deal done within a day or two.

First, you’ll need to give us the key details about your business and what you’re looking for. This will only take a few minutes, and you can do it on our website or give us a call.

  • Lenders we work with are much faster than the banks
  • Takes seconds to see your options
  • Offers back within 24–48 hours for most cases
  • Money in account within days if you’ve got documents ready

There are many different factors that affect how much you can get approved for when applying for a business loan, and each provider has their own process for determining eligibility.  As a rule of thumb, the maximum most providers will lend is about 10-30% of your annual turnover.

There are many ways of paying back a loan or line of credit, and the type of repayment depends on the lender. Some lenders will give you a repayment schedule with fixed monthly instalments, while others might be more flexible and accept early repayments.

Often, there’s a fixed amount you have to pay back, but sometimes the repayment can vary, depending on the distribution of interest.

Some lenders allow you to make early repayments without charging a prepayment penalty. However, it’s important to bear in mind that there might be extra costs if you decide to make early repayments, or even pay back all at once.

The best way to get an accurate estimate of how you can repay is to make an application with us — we can give more detailed information once we’ve found you the business finance that’s right for you.

Using our service is completely free and no-obligation, and we don’t charge our customers a fee. You can use our matching tool, look at your options, or speak to one of our Business Finance Specialists with no strings attached. If you decide to go ahead, and a lender accepts your application for finance, they pay us a commission based on our standard terms. Normally, the cost to our customers is the same as if they’d gone direct to the lender.

Once you have completed your online application HMT Capital will contact you via email to request further documentation depending on the loan type, such as 3-5 months bank statements, company documents, financials etc.   

Capital growth, or capital appreciation, is an increase in the value of an asset or investment over time. Capital growth is measured by the difference between the current value, or market value, of an asset or investment and its purchase price or the value of the asset or investment at the time it was acquired.