SME Working Capital Loans
Keep your business moving when cash flow is under pressure.
Ongeza Stock Loan is a short-term working-capital facility designed for SMEs that need operating cash to keep trading, buying, delivering, and growing. When stock cycles, supplier obligations, rent, salaries, or other operating needs move faster than incoming cash, ZionRock helps businesses bridge the gap with structured funding tied to actual business activity.
How Ongeza Stock works
This facility is reviewed based on business cash flow, turnover, or transaction history.
Security is supported by business collateral.
Eligible businesses may receive an initial decision in as little as 1 hour, subject to documentation, security review, and business assessment.
Repayment is then structured around the cash realities of the business rather than a one-size-fits-all blanket format.
What working capital should help you solve
Working capital is not only about survival. It is also about continuity and timing. This facility may help your business:
- replenish stock
- pay suppliers on time
- cover rent and salaries
- bridge temporary cash-flow gaps
- keep operations stable during uneven trading cycles
Who this facility is for
This page should speak directly to traders, distributors, wholesalers, retailers, and growing SMEs that have real business activity but need short-term funding aligned to operations.
Why ZionRock
ZionRock’s value here is speed, structure, and practical business understanding. The message should not be “borrow more.” It should be “keep the business moving with the right type of facility.”
What you may need
A compliance-confirmed checklist may include:
- business registration documents
- ownership or director information
- bank or mobile-money statements
- turnover or transaction history
- business collateral details
- other business records that support review
Frequently asked questions
Need quick access to capital without stepping away from your vehicle?
Request a business funding review or talk to a business advisor.