Pssst... a customer favourite just for you...

Get a personalized loan offer tailored for your credit score


Product Guide: Opportunity Finance

Quick Personal Loan Overview

  • Maximum Loan Amount: R80,000
  • Maximum Length of the Loan: 48 Months
  • APR: 32%

Quick Business Loan Overview

  • Minimum Loan Amount: R1,000
  • Maximum Loan Amount: R150,000
  • Minimum Length of the Loan: 4 Months
  • Maximum Length of the Loan: 24 Months
  • APR: 60%

Opportunity Finance offers Loans for Lifestyle and Business

Opportunity Finance offers personal loans that cover the typical unexpected costs of life, to cater for needs like debt consolidation and upgrading your life, or to finance your Business.

Product Details of Lifestyle Finance:

  • Get up to R80,000 and repay in up to 48 months
  • Weekly, fortnightly and monthly repayment options
  • Repay by debit order or cash if you don’t have a bank account
  • Competitive interest between 21%-32% per annum
  • Get the funds in cash, in your account or paid to a third party, or even a combination of all 3!

What you will need to apply for a Personal Loan for Lifestyle Finance:

  • Your South African ID Book
  • A Copy of your Latest Payslip
  • A Copy of your Latest Bank Statement

Product Details of Business Finance

Opportunity Finance has also gone to great lengths to make sure they understand up and coming business’ owners needs. They understand:

  • The NECESSITY for a small business to have access to flexible working capital.
  • The IMPORTANCE for  a small business to invest in assets such as machinery, equipment and vehicles.
  • The FRUSTRATION for small business owners of not being able to access finance due to lack of sufficient formal documentation.

Benefits to small and medium businesses:

  • Loan amounts range from R1,000 – R150,000 to meet working capital needs and finance the purchase of assets such as machinery and equipment, and business and home improvement.
  • Flexible loan repayment terms from 4 months to 24 months, with instalments payable weekly, fortnightly or monthly.
  • Competitive interest rates ranging from 23% to 60% per annum.
  • Loans can be paid into your existing bank account, with a pre-paid debit card or to the supplier from which you are purchasing.
  • Sole proprietors DO NOT need formal financial records (income statement and balance sheet) although it would be advantageous if you have these.
  • No need to have a bank account.
  • For loans of more than R150,000 Opportunity Finance does require collateral.

What do you need to apply for a Business Loan?

  • Must have been in business for 1 year.
  • Your green SA ID book.
  • Sole proprietors (i.e. where you own and run the business) Opportunity Finance would like to see the following documents:
    • Slips, invoices, receipts of purchases and sales for the last 3 months (if this is available).
    • A bank statement for the last 90 days (if you have a bank account).
    • Proof of residence (FICA document).
  • For close corporations Opportunity Finance requires:
    • CK1 and/or CK2 documents
    • Business Registration Number
    • ID number and names of members
    • Most recent financial statements
    • Proof of income and expenses
    • Bank statement for the last 90 days
    • Resolution from members, authorising the loan application with Opportunity Finance
  • For registered companies Opportunity Finance requires:
    • Company documents which include:
      • Founding statements, Articles of association, CM1, CM2, CM5, CM9, CM20, CM29
    • Most recent audited financial statements
    • Management accounts for the last 6 months
    • Bank statement for the last 180 days
    • Resolution authorising the nominated representative to apply for the loan
    • List of shareholders and their shareholding in the company
    • ID Number and names of Company Directors

How it will Work with Business Financing

  • Step 1 – Make an inquiry online, by phoning the Opportunity Finance national call centre or contacting one of their business development officers.
  • Step 2 – One of the Opportunity Finance business development officerswill contact you and set up an appointment to meet you.
  • Step 3 – All the necessary financial and application information will be processed.
  • Step 4 – If Opportunity Finance has all the information that they require from you, they can approve and pay out the loan within 12 business days!

Some Background on Opportunity Finance

Opportunity Finance is part of Opportunity International, a global organization established by a group of dedicated Christians more than 30 years ago. Opportunity Finance is committed to providing affordable, transparent and relevant financial services that make a real difference in the lives of those who do not have easy access to financial services.


To become a sustainable and well-known household name that offers consistent, professional, accessible, timely and relevant financial services to small businesses and the formally employed.


In achieving its vision, it is important for Opportunity Finance to:

  • Be financially sustainable while still providing financial services to their clients that are fairly priced and in line with banking industry norms.
  • Build bank-like trust and focus on service excellence and professionalism.
  • Offer financial products and services to their client base that are simple to understand, have transparent pricing, that are accessible and relevant and that foster economic development.
  • Focus on building a culture of respect, transparency, honesty, and integrity in all that it does.

As part of a global network, they are dedicated to making a real difference in the lives of their clients and are committed to providing affordable, transparent and relevant financial products to those that do not have easy access to financial services.


About Us In The Press Blog & News FAQ's Contact Us Terms & Conditions Privacy Policy

Fincheck is a financial comparisons website that organises information to assist the borrower in making their best financial decision.

Fincheck gathers information from numerous banking partners and presents it to the borrower in a simple, understandable way. Lenders benefit from an additional market place and extensive customer reach. Loan amounts vary from lender to lender. Fees, interest rates, loan amounts and credit scores influence the repayment terms. Lenders require personal details to control their risk and assist the government to combat theft, money laundering, terrorism. Fincheck does not endorse any particular product or company. We are an independent company. The information shown and provided is an opinion, based on numbers and must not be seen as advice or consultation.