SME Loans FAQ : Maano Capital

At Maano Capital we support SMEs with a Limpopo nexus with enabling finance for working capital and growth. We provide both working capital and purchase order loans from R10,000 up to R250,000 with tenors ranging from 1 month. The loans are repayable either as a lump sum or over a period up to 11 months.

Who qualifies for SME loans through Maano Capital?

To qualify, your business must be South African-owned, CIPC-registered, and have at least three months of positive trading history supported by bank statements.

What types of businesses does Maano Capital assist with funding?

Maano supports a broad range of small and medium-sized enterprises across all industries except gambling and weapons, with a focus on businesses that demonstrate measurable social or community impact.

How much funding can my business apply for?

Our loans range from R10,000 to R250,000. Funding amounts vary depending on your business performance, growth potential, and social impact. Our advisory team will assess each application individually.

What are your interest rates?

Interest rates vary depending on market conditions and the repo rate. Currently our interest rates range from 8% to 30%.

How long does the funding process take?

Once a complete application is received, review and feedback typically take 48 to 72 hours (2 to 3 days). Complex applications may require additional due diligence.

What documents are required for the funding application?

You’ll need proof of CIPC registration, valid ID & proof of residence for directors, at least 3 months of business bank statements, and a brief business overview highlighting what the funds are required for.

How long are the loans for?

Our loans can be as short as 2 weeks and go out to 11 months maximum.

Will I get funds the same day?

No we do not provide same day loans, it takes at least 1 full working day to complete an assessment, post that we need to sign loan docs and upload on our system before we can disburse the funds. We also do not do immediate EFTs.

I have a poor credit record, will I get disqualified?

It depends, a poor personal credit record is very negative for access to funding because it shows a history of not paying back debts as agreed. We look at various credit factors and can only provide feedback post the assessment.

Do I need to have collateral to qualify for SME funding?

Not necessarily. Most of our SME loans are unsecured and based on your business’s cash flow and trading record or a firm purchase order.

How can I get started with my application?

Our SME finance team offers one-on-one support. You can call us on 010 826 1580 or Whatsapp us on 081 343 1742 during business hours. You can also send an email to loans@maanocapital.co.za

Maano Capital Pty Ltd, 2013/181382/07 is an authorized financial services provider (FSP 55112) and a registered credit provider NCRCP22459.