At Lamna, we offer SME funding in the form of secured loans to South African businesses.

If your small to medium business needs funds to grow or to bridge a temporary cash flow shortage, you can use an asset to secure a short-term loan.

How much we lend

Secured loans we’ve offered South African SMEs have ranged from R20,000 to R10 million.

Types of asset-backed loans we offer SMEs

Loans against business vehicles

We offer loans against commercial fleets and individual vehicles, from cars to bakkies, vans or trucks.

Loans against personal assets

We offer loans against a wide range of moveable assets, from vehicles to jewellery, antiques or even purely digital assets (or non-fungible tokens).

This form of loan can provide useful funding for startups and small business owners.

Loans against commercial property

We offer loans against the value of unencumbered commercial property.

Advantages of SME funding from lamna

  • access to funds within 24 hours
  • no credit checks or laborious paperwork
  • competitive interest rates
  • no impact on credit rating
  • no risk to funds or other assets.

Operating since 2015, Lamna is a reputable lender with physical branches in key cities across South Africa.

The SME funding we offer is fast, transparent and discreet. Our business is an authorised financial services provider that’s accredited with the NCR and FSB, and we don’t charge hidden fees or penalties.

Speak to a consultant

086 111 2866

or Apply online

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APR & Loan repayment period

Fixed rates range from 36% to 60% APR and payment options range from minimum 3 to maximum 24 months. Apart from the initiation and monthly fees shown below, the only additional fee is credit life insurance if the borrower does not have this already.


All accounts may be renewed if they are up to date.


All payments are made via EFT or direct deposits into Lamna’s bank account. There are no debit orders.


Non-payments may result in the matters being escalated.

Illustrative example

Client borrows R10,000 for 90 days.

Loan Amount Repayment Period Monthly Repayment Total Cost of Loan Initiation Fee Monthly Fee
(Interest + Service charge)
R10 000 3 months R568.40 R12 902.20 R1 197 R560 60%