{"id":74566,"date":"2025-09-23T12:12:06","date_gmt":"2025-09-23T10:12:06","guid":{"rendered":"https:\/\/www.sage.com\/en-za\/blog\/?p=74566"},"modified":"2026-02-06T15:57:20","modified_gmt":"2026-02-06T13:57:20","slug":"business-loan-calculator","status":"publish","type":"post","link":"https:\/\/www.sage.com\/en-za\/blog\/business-loan-calculator\/","title":{"rendered":"Business loan calculator (with amortisation schedule)"},"content":{"rendered":"<header class=\"entry-header has-dark-background-color entry-header--has-illustration entry-header--has-illustration--generic\">\n\t<div class=\"container\">\n\t\t<div class=\"entry-header__row row align-center\">\n\t\t\t<div class=\"col col-lg-7 col-xlg-6 entry-header__content\">\n\t\t\t\t\t\t\t<div class=\"component component-single-header\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"entry-header__misc text--subtitle text--uppercase text--small\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/en-za\/blog\/category\/money-matters\/\" class=\"entry-header__link\">Money Matters<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div class=\"entry-title-wrapper\">\n\t\t\t\t\t<h1 class=\"entry-title\">\n\t\t\t\t\t\tBusiness loan calculator (with amortisation schedule)\t\t\t\t\t<\/h1>\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<p class=\"entry-header__description\">\n\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\t<div class=\"single-post-details container\">\n\t\t<div class=\"col\">\n\t\t\t<span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2025-09-23T12:12:06+02:00\">Sep 23, 2025<\/time><\/span><span class=\"reading-time\"> min read<\/span>\n\t\t<button\n\t\t\ttype=\"button\"\n\t\t\tclass=\"social-share-button button button--icon button--secondary js-social-share-button\"\n\t\t\tdata-share-title=\"Business loan calculator (with amortisation schedule)\"\n\t\t\tdata-share-url=\"https:\/\/www.sage.com\/en-za\/blog\/business-loan-calculator\/\"\n\t\t\tdata-share-text=\"Please read this interesting article\"\n\t\t>\n\t\t\t<span class=\"social-share-button__share-label\">Share<\/span>\n\t\t\t<span class=\"social-share-button__copy-label\" hidden>Copy Link<\/span>\n\t\t\t<span class=\"social-share-button__copy-tooltip\" aria-hidden=\"true\" hidden>Copied<\/span>\n\t\t<\/button>\n\n\t\t\t\t<\/div>\n\t<\/div>\n<\/header>\n\n\n\n<div class=\"wp-block-post-author has-dark-background-color alignfull\">\n\t<div class=\"container\">\n\t\t<div class=\"col\">\n\t\t\t\t\t\t\t<div class=\"co-authors\">\n\t\t\t\t\t\n\t\t<div class=\"entry-author-wrapper\">\n\t\t\t<a class=\"entry-author\" href=\"https:\/\/www.sage.com\/en-za\/blog\/author\/yassirmalik\/\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"40\" height=\"40\" src=\"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2024\/03\/Yassir-Malik.jpg\" class=\"entry-author__image\" alt=\"yassir-malik-profile-picture\" \/>\t\t\t\t<span class=\"entry-author__name\">Yassir Malik<\/span>\n\t\t\t<\/a>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\n<p>How much will a business loan really cost your company, once interest rates and fees are considered?<\/p>\n\n\n\n<p>Can your business\u2019s monthly income realistically support the repayment terms?<\/p>\n\n\n\n<p>When applying for a business loan in South Africa, it\u2019s essential to understand the total cost and carefully review the repayment schedule to make sure the funding aligns with your cash flow and long-term goals.<\/p>\n\n\n\n<p>This guide outlines the key facts about business loans, from the most common types to alternative funding options and typical interest and fee structures.<\/p>\n\n\n\n<p>You will also analyse how a business loan calculator works, helping you crunch the numbers, compare offers, and choose the loan that best fits your business needs.<\/p>\n\n\n\n<p><strong>What this guide covers:<\/strong><\/p>\n\n\n<?xml encoding=\"utf-8\" ?><div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><ul><li><a href=\"#h-business-loan-calculator\" data-level=\"2\">Business loan calculator<\/a><\/li><li><a href=\"#h-how-to-use-the-business-loan-calculator\" data-level=\"2\">How to use the business loan calculator<\/a><\/li><li><a href=\"#h-what-is-amortisation\" data-level=\"2\">What is amortisation?<\/a><\/li><li><a href=\"#h-types-of-business-loans\" data-level=\"2\">Types of business loans<\/a><\/li><li><a href=\"#h-government-backed-small-business-loans\" data-level=\"2\">Government-backed small business loans<\/a><\/li><li><a href=\"#h-are-there-other-sources-of-funding-for-a-business\" data-level=\"2\">Are there other sources of funding for a business?<\/a><\/li><li><a href=\"#h-what-business-loan-fees-will-i-have-to-pay\" data-level=\"2\">What business loan fees will I have to pay?<\/a><\/li><li><a href=\"#h-what-are-the-typical-terms-for-a-business-loan\" data-level=\"2\">What are the typical terms for a business loan?<\/a><\/li><li><a href=\"#h-what-business-loan-interest-rate-should-i-expect-to-pay\" data-level=\"2\">What business loan interest rate should I expect to pay?<\/a><\/li><li><a href=\"#h-how-much-do-business-loans-offer\" data-level=\"2\">How much do business loans offer?<\/a><\/li><li><a href=\"#h-can-i-fund-my-business-with-my-own-money-as-a-loan\" data-level=\"2\">Can I fund my business with my own money as a loan?<\/a><\/li><li><a href=\"#h-final-thoughts\" data-level=\"2\">Final thoughts<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-business-loan-calculator\">Business loan calculator<\/h2>\n\n\n\n<figure class=\"wp-block-embed is-type-rich is-provider-embed-handler wp-block-embed-embed-handler wp-block-sage-embed\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Interactive business loan calculator\" src=\"https:\/\/assets.sage.com\/calculators\/business-loan\/dist\/en-ZA\/index.html\" width=\"100%\" height=\"100vh\" class=\"sage-embed-resize\" style=\"border:none;min-height:500px;\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<p>Banks and lenders each have their own methods for calculating interest. <\/p>\n\n\n\n<p>This business loan calculator helps you evaluate financing options or identify the ideal loan terms for your business.<\/p>\n\n\n\n<p>Here are a few ways to use the tool:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Calculate your monthly repayment based on the loan amount, interest rate, fees, and term. Then, factor this into your budget to see how it impacts cash flow.<\/li>\n\n\n\n<li>Calculate the total repayment amount over the term of the loan, including interest. This gives you a clearer picture of the true cost of borrowing.<\/li>\n\n\n\n<li>Compare the full cost (principal + interest + fees) of different funding options to choose the smartest one for your business.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-use-the-business-loan-calculator\">How to use the business loan calculator<\/h2>\n\n\n\n<p>To use this free business loan calculator, input the following information:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Interest rate: <\/strong>the rate charged by the lender for the loan.<\/li>\n\n\n\n<li><strong>Compound frequency:<\/strong> how often interest is calculated and added to your balance.<\/li>\n\n\n\n<li><strong>Loan term:<\/strong> the number of years you must repay the loan.<\/li>\n\n\n\n<li><strong>Payment frequency:<\/strong> how often you need to make repayments.<\/li>\n\n\n\n<li><strong>Initiation fee: <\/strong>a processing fee that can be paid up front or capitalised into the loan amount and therefore affect amortisation.<\/li>\n\n\n\n<li><strong>Other fees: <\/strong>these might include late fees or prepayment charges. (See the section on loan fees below.)<\/li>\n<\/ul>\n\n\n\n<p>The calculator displays your regular payment, total repayment amount, total interest, total interest and fees, overall loan cost, and an amortisation schedule.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-amortisation\">What is amortisation?<\/h2>\n\n\n\n<p>Amortisation is an accounting term with two common meanings.<\/p>\n\n\n\n<p>The amortisation of assets refers to spreading out the cost of intangible assets\u2014like software or patents\u2014over their expected useful life.<\/p>\n\n\n\n<p>This method reflects how the asset&#8217;s value decreases over time as it\u2019s used. <\/p>\n\n\n\n<p>Both amortisation and depreciation appear on an <a href=\"https:\/\/www.sage.com\/en-za\/blog\/glossary\/profit-loss-statement\/\" target=\"_blank\" rel=\"noreferrer noopener\">income statement<\/a> and are reflected on the <a href=\"https:\/\/www.sage.com\/en-za\/blog\/balance-sheet-use-financial-statement\/\" target=\"_blank\" rel=\"noreferrer noopener\">balance sheet<\/a>.<\/p>\n\n\n\n<p>The amortisation of loans (which applies here) refers to gradually paying off a loan through regular repayments over a set period.<\/p>\n\n\n\n<p>Simply, it means reducing debt bit by bit with each payment.<\/p>\n\n\n\n<p>An amortisation schedule shows how your loan balance decreases over time, breaking each repayment into principal and interest.<\/p>\n\n\n\n<p>A business loan calculator with an amortisation schedule makes it easy to see how each payment affects the remaining balance, helping you track progress across the full loan term.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-types-of-business-loans\">Types of business loans<\/h2>\n\n\n\n<p>Depending on your needs and business profile, you may qualify for different types of funding:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-term-loan\">Term loan<\/h3>\n\n\n\n<p>A term loan is one of the most common financing options for businesses of any size.<\/p>\n\n\n\n<p>The lender delivers the loan amount as a lump sum.<\/p>\n\n\n\n<p>Then, you pay off the loan with interest over a set period.<\/p>\n\n\n\n<p>Term loans are ideal for businesses needing fixed payments to maintain steady cash flow during repayment.<\/p>\n\n\n\n<p>They are available from banks like FNB and Standard Bank and online lenders like Bridgement.<\/p>\n\n\n\n<p>And since term loans tend to have comparatively low interest rates, this loan type is one of the most widely affordable options.<\/p>\n\n\n\n<p>However, getting approval for a term loan may require collateral or a personal guarantee.<\/p>\n\n\n\n<p>And qualifying for the lowest interest rates often requires a strong credit profile and multiple years in business.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-equipment-financing\">Equipment financing<\/h3>\n\n\n\n<p>Equipment financing is a business loan used to purchase assets such as manufacturing machinery, commercial vehicles, or agricultural equipment.<\/p>\n\n\n\n<p>The equipment itself typically serves as collateral.<\/p>\n\n\n\n<p>Most lenders offer both equipment loans and equipment leases:<\/p>\n\n\n\n<p>Loans require repayment of the capital amount (principal) plus interest.<\/p>\n\n\n\n<p>Leases allow you to use the equipment for a fixed term, after which it\u2019s returned to the lender.<\/p>\n\n\n\n<p>This type of financing can be a good option for acquiring new equipment, but it isn\u2019t suitable for general business purchases.<\/p>\n\n\n\n<p>A deposit may be required for high-value equipment.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-invoice-factoring\">Invoice factoring<\/h3>\n\n\n\n<p>Invoice factoring involves selling unpaid invoices to a lender, who then takes responsibility for collecting the payment.<\/p>\n\n\n\n<p>You receive a lump sum, usually between 70% and 90% of the invoice value, upfront.<\/p>\n\n\n\n<p>Once the customer settles the invoice, the lender pays you the remaining balance, minus their fee.<\/p>\n\n\n\n<p>Because invoice factoring doesn\u2019t involve a credit check, it won\u2019t affect your credit record.<\/p>\n\n\n\n<p>It also gives faster access to working capital than many traditional loans, which can help stabilise cash flow.<\/p>\n\n\n\n<p>However, it can be costly. <\/p>\n\n\n\n<p>Lenders typically apply a factor rate to the invoice amount, meaning the longer your customers take to pay, the more expensive the loan becomes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-invoice-financing\">Invoice financing<\/h3>\n\n\n\n<p>Invoice financing also uses outstanding invoices as leverage, but instead of buying them, lenders use them as security for a loan.<\/p>\n\n\n\n<p>You receive an advance of up to 90% of the invoice value.<\/p>\n\n\n\n<p>Your customers pay you directly, and you repay the lender, plus fees and interest.<\/p>\n\n\n\n<p>Like factoring, this is a fast way to bridge cash flow gaps. However, it can be expensive, as lenders often charge both interest and credit management fees.<\/p>\n\n\n\n<p>The creditworthiness of your customers plays a key role in determining loan terms and costs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-credit-card\">Credit card<\/h3>\n\n\n\n<p>A business credit card gives access to a revolving line of credit\u2014you can spend up to a set limit, repay the balance, and reuse the funds.<\/p>\n\n\n\n<p>You only pay interest on the amount you use.<\/p>\n\n\n\n<p>Business credit cards are convenient for day-to-day expenses like equipment, fuel, or stock purchases. Some cards offer rewards or cashback on certain transactions.<\/p>\n\n\n\n<p>If you repay the full balance each month, a credit card can be a relatively affordable finance option. If not, interest charges add up quickly, making it far more expensive.<\/p>\n\n\n\n<p>Also note that the annual percentage rate (annual interest rate) may increase over time, depending on your credit risk.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-revolving-credit\">Revolving credit<\/h3>\n\n\n\n<p>Revolving credit allows your business to draw from a pool of funds up to a pre-agreed limit.<\/p>\n\n\n\n<p>Like a credit card, it offers flexibility\u2014you borrow, repay, and reuse as needed.<\/p>\n\n\n\n<p>You only pay interest on what you borrow, not the total facility.<\/p>\n\n\n\n<p>Revolving credit are offered by banks, fintech lenders, and online platforms in South Africa.<\/p>\n\n\n\n<p>Since they\u2019re often unsecured (no collateral needed), they\u2019re easier to qualify for than traditional loans.<\/p>\n\n\n\n<p>However, they may come with additional costs such as monthly service fees, drawdown charges, or early repayment penalties.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-merchant-cash-advances\">Merchant cash advances<\/h3>\n\n\n\n<p>A merchant cash advance gives you quick access to capital based on your business\u2019s projected card sales.<\/p>\n\n\n\n<p>You borrow a lump sum and repay it from a percentage of your future debit or credit card transactions.<\/p>\n\n\n\n<p>This option doesn\u2019t require collateral and can be helpful during a cash flow crunch.<\/p>\n\n\n\n<p>However, it\u2019s also one of the most expensive forms of funding. Lenders charge a factor rate\u2014a flat upfront fee\u2014plus origination and repayment processing fees.<\/p>\n\n\n\n<p>This type of finance should be used cautiously, especially if cash flow is already tight.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-commercial-real-estate-loan\">Commercial real estate loan<\/h3>\n\n\n\n<p>A commercial real estate loan is a term loan specifically for buying or leasing business premises.<\/p>\n\n\n\n<p>You can use it to acquire property or renovate existing space and repay the loan, plus interest, over a fixed term.<\/p>\n\n\n\n<p>These loans often come with lower interest rates and longer repayment periods, like a home loan or bond.<\/p>\n\n\n\n<p>However, the application process can be lengthy.<\/p>\n\n\n\n<p>Lenders typically require a comprehensive application, <a href=\"https:\/\/www.sage.com\/en-za\/blog\/financial-reporting\/\" target=\"_blank\" rel=\"noreferrer noopener\">financial reporting,<\/a> and a property valuation or inspection, so this isn\u2019t a quick-access option.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-microloan\">Microloan<\/h3>\n\n\n\n<p>Microloans are like term loans, giving you access to a lump sum you repay with interest. But as the name suggests, microloans are for smaller amounts\u2014generally up to R250,000.<\/p>\n\n\n\n<p>These loans are ideal for startups and small businesses seeking working capital. In South Africa, institutions like the Small Enterprise Finance Agency (SEFA) and various online lenders offer microloans.<\/p>\n\n\n\n<p>While they provide accessible funding, microloans often come with higher interest rates and shorter repayment terms than traditional loans.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-bridging-finance\">Bridging finance<\/h3>\n\n\n\n<p>Bridging loans are short-term funding solutions designed to help businesses cover immediate cash flow gaps\u2014often between issuing invoices and receiving payment, or while waiting for a larger loan or deal to be finalised.<\/p>\n\n\n\n<p>They\u2019re commonly used in construction, real estate, and government contracting industries.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-seasonal-working-capital-loans\">Seasonal working capital loans<\/h3>\n\n\n\n<p>These loans are tailored for businesses with seasonal demand, such as those in tourism, agriculture, or events.<\/p>\n\n\n\n<p>They typically offer short repayment terms and quick access to capital when it\u2019s needed most.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-unsecured-digital-loans\">Unsecured digital loans<\/h3>\n\n\n\n<p>Unsecured digital loans are fast, paperless finance options provided by fintech lenders.<\/p>\n\n\n\n<p>With minimal documentation, they\u2019re ideal for SMEs with substantial turnover but limited assets to offer as collateral.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-revenue-based-financing\">Revenue-based financing<\/h3>\n\n\n\n<p>This model allows businesses, particularly in sectors like retail or hospitality, to repay funding as a percentage of daily or monthly turnover.<\/p>\n\n\n\n<p>It\u2019s a flexible option for companies with variable income, as repayments scale according to sales.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-government-backed-small-business-loans\">Government-backed small business loans<\/h2>\n\n\n\n<p>In South Africa, several government initiatives aim to make funding more accessible for small businesses, especially those underserved by traditional lenders.<\/p>\n\n\n\n<p>These programmes are offered through institutions like Small Enterprise Finance Agency (SEFA), the <a href=\"https:\/\/www.idc.co.za\/\" target=\"_blank\" rel=\"noreferrer noopener\">Industrial Development Corporation (IDC)<\/a>, and <a href=\"https:\/\/www.gov.za\/about-government\/contact-directory\/soe\/small-enterprise-development-agency-seda\" target=\"_blank\" rel=\"noreferrer noopener\">Small Enterprise Development Agency (SEDA)<\/a>.<\/p>\n\n\n\n<p>The types of support offered include both financial and non-financial support.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-blended-finance-and-loan-guarantee-schemes\">Blended finance and loan guarantee schemes<\/h3>\n\n\n\n<p>Government agencies such as the SEFA and the IDC offer blended finance options\u2014combining loans and grants\u2014to help small businesses grow.<\/p>\n\n\n\n<p>These programmes are designed to lower the lenders&#8217; risk and improve entrepreneurs&#8217; access to funding.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-fixed-asset-financing\">Fixed asset financing<\/h3>\n\n\n\n<p>Funding for commercial property, machinery, and land is available through initiatives like SEFA\u2019s asset finance and the IDC\u2019s industrial finance programme.<\/p>\n\n\n\n<p>These loans typically offer longer repayment periods and lower interest rates, making them well-suited for capital-intensive investments.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-startup-and-microenterprise-support\">Startup and microenterprise support<\/h3>\n\n\n\n<p>SEFA also provides startup capital and microloans\u2014often up to R250,000\u2014for early-stage businesses.<\/p>\n\n\n\n<p>These are aimed particularly at youth-owned, women-owned, and township-based enterprises needing working capital or funds for equipment purchases.<\/p>\n\n\n\n<p>A business must be formally registered, operate for profit, and meet the agency\u2019s eligibility criteria to qualify.<\/p>\n\n\n\n<p>Specific sectors may be excluded due to regulatory or risk considerations.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-to-apply\">How to apply<\/h3>\n\n\n\n<p>Government agencies don\u2019t lend directly to businesses.<\/p>\n\n\n\n<p>Applications are made via participating financial institutions or directly through SEFA or the SEDA.<\/p>\n\n\n\n<p>These organisations also provide valuable business support, such as mentoring, training, and assistance with business plans.<\/p>\n\n\n\n<p>Funding options can be explored through SEDA\u2019s online portal or at a local SEDA branch.<\/p>\n\n\n\n<p>Once a suitable loan is identified, a small business loan calculator can help compare repayment terms and estimate monthly instalments.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-are-there-other-sources-of-funding-for-a-business\">Are there other sources of funding for a business?<\/h2>\n\n\n\n<p>If traditional loans aren\u2019t the right fit, several alternative funding options are available to businesses in South Africa.<\/p>\n\n\n\n<p>These include overdrafts, personal loans, venture capital, crowdfunding, and peer-to-peer (P2P) lending.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-overdraft\">Overdraft<\/h3>\n\n\n\n<p>An overdraft allows your business to continue transacting even when the bank account balance drops below zero.<\/p>\n\n\n\n<p>Some banks offer overdraft protection, covering shortfalls automatically.<\/p>\n\n\n\n<p>You repay the overdrawn amount along with interest and fees.<\/p>\n\n\n\n<p>Like a line of credit, an overdraft provides quick access to working capital and often has lower interest rates than credit cards or other short-term loans.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-personal-loan\">Personal loan<\/h3>\n\n\n\n<p>A personal loan can fund a business, especially in the early stages when the company has no credit history.<\/p>\n\n\n\n<p>Since it\u2019s taken out in your name, it doesn\u2019t require business credit, but it typically offers smaller loan amounts and carries risk to your credit profile if repayments are missed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-venture-capital\">Venture capital<\/h3>\n\n\n\n<p>Venture capital (VC) and angel investment can provide significant funding, particularly for businesses in high-growth sectors like fintech, health-tech, and green energy.<\/p>\n\n\n\n<p>In South Africa, prominent VC networks include <a href=\"https:\/\/knifecap.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Knife Capital<\/a>, <a href=\"https:\/\/www.4dicapital.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">4Di Capital<\/a>, and <a href=\"https:\/\/savannah.vc\/\" target=\"_blank\" rel=\"noreferrer noopener\">Savannah Fund<\/a>.<\/p>\n\n\n\n<p>While VC funding can accelerate growth, it often involves a lengthy, competitive application process.<\/p>\n\n\n\n<p>It also usually requires giving up a portion of ownership and, in some cases, some control over strategic decisions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-crowdfunding\">Crowdfunding<\/h3>\n\n\n\n<p>Crowdfunding enables businesses to raise money from a large pool of individual backers, often through online platforms.<\/p>\n\n\n\n<p>Instead of repaying contributors with interest, businesses typically offer products, services, or other rewards.<\/p>\n\n\n\n<p>This approach can work well for startups looking to generate buzz, especially with a strong social media campaign.<\/p>\n\n\n\n<p>Most platforms charge a fee based on the total amount raised. Popular crowdfunding platforms in South Africa include <a href=\"https:\/\/thundafund.africa\/\" target=\"_blank\" rel=\"noreferrer noopener\">Thundafund<\/a>, <a href=\"https:\/\/uprise-africa.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Uprise.Africa<\/a>, and <a href=\"https:\/\/www.backabuddy.co.za\/home\" target=\"_blank\" rel=\"noreferrer noopener\">BackaBuddy<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-peer-to-peer-p2p-lending\">Peer-to-peer (P2P) lending<\/h3>\n\n\n\n<p>P2P lending connects businesses directly with individual or institutional investors through digital platforms.<\/p>\n\n\n\n<p>In South Africa, platforms such as <a href=\"https:\/\/www.rainfin.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">RainFin<\/a> and <a href=\"https:\/\/lula.co.za\/\" target=\"_blank\" rel=\"noreferrer noopener\">Lula<\/a> (formerly Lulalend) offer fast, unsecured loans to SMEs.<\/p>\n\n\n\n<p>These platforms often use alternative credit scoring methods, making them more accessible to businesses that may not qualify for bank loans.<\/p>\n\n\n\n<p>Interest rates vary based on perceived risk, but the application process is typically faster and more flexible than traditional lenders.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-business-loan-fees-will-i-have-to-pay\">What business loan fees will I have to pay?<\/h2>\n\n\n\n<p>Each type of business loan comes with its own set of fees. <\/p>\n\n\n\n<p>Factoring these into your calculations is essential to understanding the true cost of borrowing.<\/p>\n\n\n\n<p>Use the commercial business loan calculator above to estimate total costs accurately.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-term-loans\">Term loans<\/h3>\n\n\n\n<p>Term loans from South African banks and alternative lenders usually include an initiation fee, which covers the cost of processing your application.<\/p>\n\n\n\n<p>This fee is typically deducted from the loan amount before the funds are disbursed.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Banks: <\/strong>initiation fees generally range from R1,000 to R5,000<\/li>\n\n\n\n<li><strong>Alternative lenders: <\/strong>may charge slightly higher fees, especially for unsecured loans<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-microloans\">Microloans<\/h3>\n\n\n\n<p>Microloans\u2014offered by institutions such as SEFA or alternative lenders\u2014often include the following fees, which are usually built into the repayment schedule:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Initiation fee<\/li>\n\n\n\n<li>Monthly service fees<\/li>\n\n\n\n<li>Credit life insurance, which is sometimes mandatory<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-commercial-real-estate-loans\">Commercial real estate loans<\/h3>\n\n\n\n<p>Loans for purchasing or upgrading business premises may involve:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Initiation fees (0.5% to 1%)<\/li>\n\n\n\n<li>Property valuation and legal fees<\/li>\n\n\n\n<li>Bond registration costs<\/li>\n\n\n\n<li>Deeds Office charges<\/li>\n<\/ul>\n\n\n\n<p>These costs can vary depending on the property\u2019s value and location.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-revolving-credit-0\">Revolving credit<\/h3>\n\n\n\n<p>Business overdrafts and revolving credit facilities often include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Facility initiation fees<\/li>\n\n\n\n<li>Monthly service or maintenance fees<\/li>\n\n\n\n<li>Drawdown fees (charged when accessing funds)<\/li>\n\n\n\n<li>Early settlement penalties in some cases<\/li>\n<\/ul>\n\n\n\n<p>Interest is only charged on the amount drawn, not the total credit facility.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-business-credit-cards\">Business credit cards<\/h3>\n\n\n\n<p>Credit cards issued by banks like Absa, FNB, or Nedbank may include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Annual card fees (typically R300 to R1,200)<\/li>\n\n\n\n<li>Late payment penalties<\/li>\n\n\n\n<li>Cash advance fees<\/li>\n\n\n\n<li>Foreign transaction fees<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-equipment-financing-0\">Equipment financing<\/h3>\n\n\n\n<p>Asset finance agreements commonly include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Initiation fees<\/li>\n\n\n\n<li>Monthly administration fees<\/li>\n\n\n\n<li>Early settlement penalties (if paid off before the end of term)<\/li>\n<\/ul>\n\n\n\n<p>In some cases, insurance on the financed equipment is also required.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-invoice-financing-0\">Invoice financing<\/h3>\n\n\n\n<p>Providers of invoice financing typically charge:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A credit management fee<\/li>\n\n\n\n<li>An initiation fee<\/li>\n\n\n\n<li>Interest on the advanced amount until the invoice is settled<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-invoice-factoring-0\">Invoice factoring<\/h3>\n\n\n\n<p>With invoice factoring, the lender charges a factor fee, usually between 1% and 3% of the invoice value. This fee may increase the longer it takes your customer to pay.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-merchant-cash-advances-0\">Merchant cash advances<\/h3>\n\n\n\n<p>Merchant cash advances are priced using a factor rate (usually between 1.1% and 1.5%) to calculate the total repayment amount. Additional fees may include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A flat initiation fee<\/li>\n\n\n\n<li>Daily or weekly repayment processing fees<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<figure class=\"wp-block-pullquote\"><blockquote><p>Note:<br><br>For agreements that fall within the National credit act (NCA), fees may not exceed the prescribed amount relative to the principal debt as per the NCA.<\/p><\/blockquote><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-typical-terms-for-a-business-loan\">What are the typical terms for a business loan?<\/h2>\n\n\n\n<p>Business loan repayment terms vary by loan type, ranging from a few months to several decades, with some flexibility depending on the lender and agreement.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Loan type<\/strong><strong><\/strong><\/td><td><strong>Typical repayment terms<\/strong><strong><\/strong><\/td><\/tr><tr><td>Term loan<\/td><td>From 12 to 60 months (1 to 5 years), with some banks offering up to 10 years for larger loans.<\/td><\/tr><tr><td>Microloan<\/td><td>From 6 to 36 months, depending on the lender (e.g. SEFA or alternative lenders)<\/td><\/tr><tr><td>Commercial real estate loan<\/td><td>Up to 20-24 years, like a mortgage, depending on the property and lender.<\/td><\/tr><tr><td>Revolving credit \/ overdraft<\/td><td>Typically, 6 to 24 months, with flexible draw and repayment options.<\/td><\/tr><tr><td>Business credit cards<\/td><td>Revolving credit with a 28 to 31-day billing cycle; minimum payments due within 15-25 days after statement issue.<\/td><\/tr><tr><td>Equipment financing<\/td><td>From 12 to 60 months, depending on the asset\u2019s lifespan and value.<\/td><\/tr><tr><td>Invoice financing<\/td><td>From 30 to 90 days, aligned with invoice payment terms.<\/td><\/tr><tr><td>Invoice factoring<\/td><td>From 30 to 90 days, with fees increasing the longer the invoice remains unpaid.<\/td><\/tr><tr><td>Merchant cash advance<\/td><td>From 3 to 12 months, with repayments linked to daily or weekly turnover.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Sources were cross-referenced between <a href=\"https:\/\/fundrate.co.za\/best-business-term-loans\/\" target=\"_blank\" rel=\"noreferrer noopener\">Fundrate<\/a>, <a href=\"https:\/\/smesouthafrica.co.za\/sme-guides\/guide-to-business-loans\/\" target=\"_blank\" rel=\"noreferrer noopener\">SME South Africa<\/a>, <a href=\"https:\/\/www.lamna.co.za\/blog\/get-loan-business\/\" target=\"_blank\" rel=\"noreferrer noopener\">Lamna<\/a>, and published loan term data from <a href=\"https:\/\/www.fnb.co.za\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\">FNB<\/a>, <a href=\"https:\/\/personal.nedbank.co.za\/home.html\" target=\"_blank\" rel=\"noreferrer noopener\">Nedbank<\/a>, and <a href=\"https:\/\/www.bridgement.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Bridgement<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-business-loan-interest-rate-should-i-expect-to-pay\">What business loan interest rate should I expect to pay?<\/h2>\n\n\n\n<p>Business loan interest rates vary based on factors like loan type, business age, credit history, and market conditions.<\/p>\n\n\n\n<p>As a guide, average business loan rates are:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Loan type<\/strong><\/td><td><strong>Typical interest rate range<\/strong><\/td><\/tr><tr><td>Term loan<\/td><td>Around 13% to 24%, depending on your credit profile and whether the loan is secured.<\/td><\/tr><tr><td>Microloan<\/td><td>Up to 28.5% for unsecured loans, often offered by SEFA and alternative lenders.<\/td><\/tr><tr><td>Commercial real estate loan<\/td><td>From 10.5% to 19.5%, usually lower for secured loans backed by property.<\/td><\/tr><tr><td>Revolving credit \/ overdraft<\/td><td>Typically 15% to 21.5%, based on turnover and creditworthiness.<\/td><\/tr><tr><td>Business credit card<\/td><td>Around 18% to 21.5%, with rates influenced by usage and repayment history.<\/td><\/tr><tr><td>Equipment financing<\/td><td>Between 13% and 20%, depending on the asset type and your business risk profile.<\/td><\/tr><tr><td>Invoice financing<\/td><td>Monthly rates of 2% to 5%, with the balance paid after customer settlement.<\/td><\/tr><tr><td>Invoice factoring<\/td><td>Fees vary, but typically 2% to 4% per month depending on the structure.<\/td><\/tr><tr><td>Merchant cash advance<\/td><td>Usually 20% to 35%, calculated as a percentage of your average monthly card sales.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Sources were cross-referenced from <a href=\"https:\/\/fundrate.co.za\/resources\/business-loans\/interest-rates-affect-business-loans\/\" target=\"_blank\" rel=\"noreferrer noopener\">Fundrate<\/a>, <a href=\"https:\/\/smesouthafrica.co.za\/interest-rate-in-south-africa-changes-bring-relief-for-smes\/\" target=\"_blank\" rel=\"noreferrer noopener\">SME South Africa<\/a>, <a href=\"https:\/\/ventureburn.com\/2025\/05\/the-best-business-loan-options-for-south-african-smes-in-2025\/\" target=\"_blank\" rel=\"noreferrer noopener\">Ventureburn<\/a>, and lender disclosures from <a href=\"https:\/\/lula.co.za\/\" target=\"_blank\" rel=\"noreferrer noopener\">Lula<\/a>, <a href=\"https:\/\/www.bridgement.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Bridgement<\/a>, and <a href=\"https:\/\/www.merchantcapital.co.za\/\" target=\"_blank\" rel=\"noreferrer noopener\">Merchant Capital<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-much-do-business-loans-offer\">How much do business loans offer?<strong><\/strong><\/h2>\n\n\n\n<p>The amount you can borrow depends on the type of financing you choose.<\/p>\n\n\n\n<p>In some cases, the type of lender can also affect the total loan amount.<\/p>\n\n\n\n<p>Here&#8217;s a breakdown of the amounts you may be eligible to borrow:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Loan type<\/strong><\/td><td><strong>Typical loan amount<\/strong><\/td><\/tr><tr><td>Term loan<\/td><td>Up to R5 million, with most loans ranging from R250,000 to R2 million.<\/td><\/tr><tr><td>Microloan<\/td><td>Up to R250,000, offered by SEFA and alternative lenders.<\/td><\/tr><tr><td>Commercial real estate loan<\/td><td>From R500,000 to R20 million, depending on the property and lender.<\/td><\/tr><tr><td>Revolving credit \/ overdraft<\/td><td>Up to R1 million, depending on turnover and credit profile.<\/td><\/tr><tr><td>Equipment financing<\/td><td>Covers 80-100% of the equipment\u2019s value<\/td><\/tr><tr><td>Invoice financing \/ factoring<\/td><td>70-90% of the invoice value<\/td><\/tr><tr><td>Merchant cash advance<\/td><td>Typically, 50-250% of your average monthly card sales.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Sources were cross-referenced from <a href=\"https:\/\/fundrate.co.za\/best-business-loans\/\" target=\"_blank\" rel=\"noreferrer noopener\">Fundrate<\/a>, <a href=\"https:\/\/smesouthafrica.co.za\/sme-review\/top-business-loans-for-small-businesses-in-south-africa\/\" target=\"_blank\" rel=\"noreferrer noopener\">SME South Africa<\/a>, <a href=\"https:\/\/ventureburn.com\/2022\/02\/learn-the-new-rules-of-business-funding\/\" target=\"_blank\" rel=\"noreferrer noopener\">Ventureburn<\/a>, and lender disclosures from <a href=\"https:\/\/lula.co.za\/\" target=\"_blank\" rel=\"noreferrer noopener\">Lula<\/a>, <a href=\"https:\/\/www.bridgement.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Bridgement<\/a>, and <a href=\"https:\/\/www.merchantcapital.co.za\/\" target=\"_blank\" rel=\"noreferrer noopener\">Merchant Capital<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-can-i-fund-my-business-with-my-own-money-as-a-loan\">Can I fund my business with my own money as a loan?<strong><\/strong><\/h2>\n\n\n\n<p>Yes, you can loan your own money to your business in South Africa\u2014whether it\u2019s a (Pty) Ltd, a sole proprietorship, or another registered entity.<\/p>\n\n\n\n<p>This is a common practice, especially for startups that may not yet qualify for external funding.<\/p>\n\n\n\n<p>Unlike traditional financing, a personal loan to your business doesn\u2019t require a credit check, collateral, or lender fees.<\/p>\n\n\n\n<p>You also have the flexibility to set your own interest rate and repayment terms.<\/p>\n\n\n\n<p>However, to make sure the loan is treated correctly\u2014both legally and for tax purposes\u2014you should:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Draft a formal loan agreement that includes the loan amount, interest rate (if any), repayment schedule, and consequences of default.<\/li>\n\n\n\n<li>Record the transaction in your business\u2019s financial statements as a liability (loan payable to the owner).<\/li>\n\n\n\n<li>Repay the loan according to the agreed terms to avoid it being reclassified as an equity contribution.<\/li>\n<\/ul>\n\n\n\n<p>If the loan isn\u2019t documented or repaid, <a href=\"https:\/\/www.sars.gov.za\/\" target=\"_blank\" rel=\"noreferrer noopener\">SARS (South African Revenue Service)<\/a> may treat it as a capital contribution, which increases your equity in the business but removes the option to claim interest as a business expense.<\/p>\n\n\n\n<p>It\u2019s also important to understand the risk: if your business is unable to repay the loan, your personal finances could be negatively affected.<\/p>\n\n\n\n<p>This is especially relevant if you\u2019ve used personal savings or taken out a personal loan to fund the business.<\/p>\n\n\n\n<p>For added protection and clarity, many business owners consult with an accountant or tax advisor when structuring owner-financed loans.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-final-thoughts\">Final thoughts<\/h2>\n\n\n\n<p>Exploring the right funding options is key to making smart financial decisions for your business.<\/p>\n\n\n\n<p>Use our business loan calculator to estimate repayments, compare offers, and choose the financing solution that aligns with your goals and cash flow.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-ready-to-take-the-stress-out-of-managing-repayments\">Ready to take the stress out of managing repayments?<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.sage.com\/en-za\/accounting-software\/\" target=\"_blank\" rel=\"noreferrer noopener\">Sage accounting software<\/a> helps you stay on top of expenses, automate billing, and keep your cash flow running smoothly.<\/p>\n\n\n<div class=\"single-cta\">\n\t<div class=\"single-cta__positioner\">\n\t\t<div class=\"single-cta__wrapper has-dark-background-color\">\n\t\t\t<div class=\"single-cta__content\">\n\t\t\t\t\t\t\t\t<h2 class=\"single-cta__title h3\">Subscribe to the Sage Advice enewsletter<\/h2>\n\n\t\t\t\t\t\t\t\t\t<div class=\"single-cta__description\">\n\t\t\t\t\t\t<p>Get a roundup of our best business advice in your inbox every month.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#gate-84fe79b5-668d-41f8-a0cc-6229018c4ac9\"\n\t\t\t\t\t\tclass=\"single-cta__button button button--primary\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>Subscribe<\/a>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1440\" height=\"810\" src=\"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2022\/04\/GettyImages-1181404518-1440x810.jpg\" class=\"single-cta__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2022\/04\/GettyImages-1181404518-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 33vw, 100vw\" \/>\t\t\t<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Our easy-to-use business loan calculator calculates repayments and total loan costs in minutes. Explore the complete guide to understand your funding options.<\/p>\n","protected":false},"author":1774,"featured_media":71214,"menu_order":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_sage_video":false,"post_featured_image_hide":false,"footnotes":""},"categories":[25,27],"tags":[294,313,166,189,339,209],"business_type":[2,5],"lilypad":[],"context":[],"industry":[],"persona":[6,12,16],"imagine_tag":[51,52,63,353,68,83,85,86,80],"coauthors":[401],"class_list":["post-74566","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-matters","category-strategy-legal-operations","tag-accountants","tag-bookkeeping","tag-business-management","tag-financial-insights","tag-profit-loss","tag-staying-competitive","business_type-small-business","business_type-accountants"],"sage_meta":{"region":"en-za","author_name":"Yassir Malik","featured_image":"https:\/\/www.sage.com\/en-za\/blog\/wp-content\/uploads\/sites\/9\/2023\/09\/GettyImages-1464788033.jpg","imagine_tags":{"51":"Accountants","52":"Accounting software","63":"Business intelligence","353":"Costs and cash flow","68":"Grow your business","83":"Growing business","85":"Small business","86":"Start up business","80":"Support"}},"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Sage Advice South Africa","distributor_original_site_url":"https:\/\/www.sage.com\/en-za\/blog","push-errors":false,"_links":{"self":[{"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/posts\/74566","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/users\/1774"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/comments?post=74566"}],"version-history":[{"count":0,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/posts\/74566\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/media\/71214"}],"wp:attachment":[{"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/media?parent=74566"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/categories?post=74566"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/tags?post=74566"},{"taxonomy":"business_type","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/business_type?post=74566"},{"taxonomy":"lilypad","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/lilypad?post=74566"},{"taxonomy":"context","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/context?post=74566"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/industry?post=74566"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/persona?post=74566"},{"taxonomy":"imagine_tag","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/imagine_tag?post=74566"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.sage.com\/en-za\/blog\/api\/wp\/v2\/coauthors?post=74566"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}