Eligibility & Pricing
Who Can Apply
We designed NiyaPay for real businesses run by real people — not just perfect balance sheets.
If you’re an entrepreneur building something meaningful, you might already qualify.
You’re eligible if:
- Your business is registered and operating in South Africa
- You’ve been trading for at least 6 months
- Your monthly revenue is R30,000 or more
- You can show consistent sales or cash flow (through POS, bank statements, or invoices)
- You have a valid business bank account
Preferred industries:
We fund a wide range of businesses — from restaurants and retailers to service providers, e-commerce brands, and light manufacturers.
If your business generates steady turnover, we’re interested.
How We Assess Eligibility
Unlike traditional lenders, we don’t only look at credit scores.
Our system analyses:
- Real business data — sales trends, repeat customers, and growth
- Cash flow health — your ability to comfortably repay
- Reputation and relationships — community standing and trade references
- Ethical compliance — ensuring your business aligns with Sharia principles
Our process is data-driven, fair, and transparent.
Every decision is made with care, not bias.
Pricing That’s Transparent and Fair
We don’t charge interest — ever.
Instead, NiyaPay operates on Sharia-compliant profit-based structures such as Murabaha and Tawarruq, where your repayment amount is agreed upfront.
No compounding. No surprises.
Typical pricing:
| Funding Amount | Term | Profit Margin | Total Repayable |
|---|---|---|---|
| R50,000 | 3 months | 7–9% | R53,500 – R54,500 |
| R150,000 | 4 months | 9–11% | R163,500 – R166,500 |
| R300,000 | 6 months | 14–16% | R342,000 – R348,000 |
(Figures are indicative. Your exact offer depends on business performance and structure type.)
Why It’s Different
Traditional funding piles on interest, penalties, and fine print.
At NiyaPay, your agreement is simple:
-
You know exactly what you’ll repay before you sign
-
No interest, no compounding, no hidden fees
-
Early settlement discounts are available for good performance
-
Flexible structures that grow with your business
Get Started
It takes less than 5 minutes to see if your business qualifies.
Click “Apply Now” to answer a few quick questions — and let’s help you grow ethically, transparently, and confidently.