Funding to poweryour businessgrowth
Asset-free business funding for South African SMEs. No collateral required — just your business performance. Simple application, quick approval, and transparent terms.
Up to R5 Million
in funding available
No Collateral
asset-free funding
24-48 Hours
fast approval process
Flexible Terms
tailored to your needs
This funding is provided to the business itself and is not linked to employee salaries or payroll loans.
Build for your next
gen of funding
Experience seamless integration of technology and finance, built for your success and convenience.
The power of modern lending, with none of the legacy baggage. Batho Prestige gives SMEs an intuitive platform for quick funding, flexible terms, and transparent processing.
Control funding
effortlessly at any size
- Access business loans from R50K to R5M
- Set repayment terms that work for you
Fuel your growth with
friendly Business
Funding
Access the growth capital you need, fast
Learn moreNo spend restrictions
We send cash directly to your bank account - use it however you see fit.
Intuitive
Performance.
Balance summary
Hassle-free capital
Get capital in as little as 48 hours, so you can capitalize on growth opportunities
Why Choose Batho Prestige
We make business financing simple, transparent, and accessible
Asset-Free Funding
No collateral required — approval based on business performance
Fast Application & Approval
Apply in minutes, get a decision within 48 hours
Easy Document Uploads
Simple online portal to submit all required documents
Transparent Process
No hidden fees, clear terms, and regular updates
Flexible Loan Amounts
From R50,000 to R5 million based on your needs
Human Support
Real people available when you need assistance
How It Works
Fill Out Your Business Information
Complete our simple online application with your business details
Upload Required Documents
Submit bank statements, registration docs, and ID through our secure portal
We Review & Prepare Your File
Our team reviews your application and prepares it for underwriting
Final Approval & Funds Disbursement
Our underwriting team completes the assessment and you receive your funds
How Employee Loans Work
A simple, transparent process that supports your employees' financial wellness without impacting your business operations
Employees Apply for a Loan
Your employees submit loan applications directly through our secure platform. The process is quick, simple, and completely confidential.
Assessment & Loan Issuance
Batho Prestige evaluates each application and issues approved loans directly to your employees. All funding comes from us — not from your business.
Salary Deduction
Repayments are automatically deducted from the employee's salary each pay period. This is handled seamlessly through your payroll system.
No Employer Funding Required
As the employer, you do not fund or advance salaries. Batho Prestige provides all capital, while you simply facilitate the payroll deduction process.
Important to Note
The employer does not fund or advance salaries. All loan capital is provided by Batho Prestige directly to your employees. Your role is limited to facilitating the payroll deduction process, making this a zero-impact solution for your business operations.
Who This Is For
Our employee loan solutions are designed for forward-thinking businesses committed to supporting their workforce
SMEs & Mid-Sized Companies
Small to medium enterprises looking to offer financial wellness benefits to employees without impacting cash flow
Contract-Based Businesses
Companies that employ both permanent and contract staff, seeking a flexible solution that works for all employment types
Employers with Staff
Organizations with permanent or contract employees who want to provide structured financial support through salary-linked loans
Key Benefits
A win-win solution that supports your employees' financial wellness while protecting your business operations
For Employers
- No salary advances required — all capital comes from Batho Prestige
- No cash outlay — zero impact on your business cash flow
- Simple payroll deduction process — easy to implement and manage
For Employees
- Access to structured personal loans — professional financial solutions
- Predictable repayments — manageable deductions aligned with your salary cycle
- No need to borrow from your employer — maintains professional boundaries
All employee payroll loans are subject to affordability assessments and employer onboarding requirements.
Loan Requirements
Have these documents ready to speed up your application process
Required Documents
Only South African registered businesses qualify
Features & Benefits
Our platform is designed to make your funding journey as smooth as possible
Secure Online Application
Bank-level encryption protects your data
Save Progress & Return
Complete your application at your own pace
Real-time Status Updates
Track your application every step of the way
Clear Communication
Direct contact with Prestige admin team
Do I Qualify?
No collateral required — asset-free funding based on business performance
Frequently Asked Questions
Get answers to the most common questions about our business loans
How long does the process take?
The application takes about 10 minutes. Once submitted with all documents, you can expect a decision within 24-48 hours. Funds are typically disbursed within 2-3 business days after approval.
What documents do I need?
You'll need your CIPC registration documents, 6-12 months of bank statements, director ID documents, and a brief business description. Having your SARS tax pin ready can also speed up the process.
Who underwrites the loan?
Our experienced underwriting team handles the final assessment and approval of all loans. We use industry-standard processes to ensure fast, professional, and reliable loan processing.
How secure is my data?
We use bank-level encryption to protect all your information. Your documents are stored securely and only accessed by authorized personnel during the application review.
Can I apply if I'm a new business?
We require at least 12 months of trading history. This ensures your business has a track record that allows us to properly assess your funding needs.
Do I need to be a South African company?
Yes, we only provide funding to South African registered businesses. Your company must be registered with CIPC (Pty Ltd, CC, or Sole Proprietor) and have a valid South African business bank account.
Do I need to provide collateral or assets?
No, our loans are asset-free (unsecured). You don't need to put up property, equipment, or any other assets as collateral. Approval is based on your business's financial performance, cash flow, and creditworthiness — not your assets.
Ready to Grow Your Business?
Join hundreds of South African businesses who have accessed the funding they need to thrive