Community-powered financing for SMMEs who deserve better
Access funding at interest-free to below-prime rates. Your ERP data becomes your credit score. Loan documentation generated at the click of a button. This is financing reimagined for South African businesses.
Traditional financing is broken for SMMEs
Banks want 6 months of statements, personal sureties, and collateral. The process takes weeks. Interest rates are punishing. We built something better.
Traditional bank loan timeline
Khula Fund decision
Typical SMME loan rate
Khula Fund rates
Required for bank applications
Khula auto-generates everything
How Khula Fund works
From application to funding in five simple steps
Apply through Khula
Tell us how much you need and what it's for. Your My Company data provides instant context — no lengthy forms.
AI analyzes your business
Our AI reviews your live ERP data: cash flow, revenue trends, customer health, and growth trajectory.
Documentation generated instantly
Financial statements, projections, and business summaries created automatically from your data.
Community & partner review
Your anonymized profile is shared with our network of business owners, banking partners, and experts.
Funding decision in days
Receive funding at interest-free to below-prime rates. No traditional bank bureaucracy.
Your loan application, ready in seconds
Because your financial data lives in Khula, we can generate comprehensive loan documentation instantly. No accountant fees. No waiting.
Loan Documentation Pack
ReadyFunding for every need
Whether you're growing, bridging, or recovering
Growth Capital
Expand operations, hire staff, or enter new markets
Working Capital
Bridge cash flow gaps and manage seasonal demands
Equipment Finance
Acquire machinery, vehicles, or technology
Emergency Bridge
Get through unexpected challenges quickly
Why Khula Fund is different
Built by entrepreneurs, for entrepreneurs
Interest-free to below prime
Community-backed rates that traditional banks can't match. We're here to help you grow, not profit from your struggle.
Decision in days, not weeks
Your data is already in Khula. No document gathering, no waiting for bank analysts. Fast decisions when you need them.
One-click documentation
Financial statements, cash flow projections, business summaries — all generated instantly from your live ERP data.
Built for SMMEs
Designed specifically for South African small and medium businesses. We understand your challenges.
Community-backed
Funded by successful Khula businesses, banking partners, and investors who believe in SMME growth.
Expert guidance
Access to business advisors and our AI assistant to help you use funding effectively.
Powered by the Khula ecosystem
A community of businesses, banks, and experts working together
Khula Business Owners
Successful businesses in the ecosystem can choose to contribute to the fund, helping fellow entrepreneurs grow.
Banking Partners
South African banks partner with us to provide capital at preferential rates for vetted Khula businesses.
Khula Experts
Our team of financial analysts and business advisors review applications and provide guidance.
AI Analysis
Machine learning models analyze business health, predict outcomes, and ensure responsible lending.
Our mission: Help SMMEs grow
South African SMMEs are the backbone of our economy, yet they're underserved by traditional finance. Khula Fund exists to change that. When you succeed, we succeed. When you grow, South Africa grows.
This is more than financing. This is community.
Ready to access community financing?
Start with Khula ERP and your business becomes eligible for Khula Fund
Already using Khula? Access Khula Fund from your dashboard.
Ready to streamline your business?
Join 500+ businesses already using Khula ERP to manage their operations more efficiently. Start your 14-day free trial today.
No credit card required. Cancel anytime.