Our website is qacapital.co.za. Our email addresses end in @qacapital.co.za, and our number is +27 61 109 8482 (call or WhatsApp). If someone says they're from Quick Access Capital but uses a different website, email address or number, check with us before you reply or send anything.
We use WhatsApp Business on +27 61 109 8482.
Last updated: 4 November 2026
Never pay an upfront fee for a loan
We don't charge you a broker fee. Where a deal is funded, the funder may pay us a commission or referral fee. You can read how that works on How we are paid.
The National Credit Regulator (NCR) says that, under the National Credit Act, an "upfront payment" for a loan "is unlawful and not allowed", and warns people to "never pay any upfront fee for a loan".
So if anyone using our name asks you to pay a fee before you get your funding, don't pay. That includes a "processing fee", an "admin fee", "insurance" or a "deposit to release the funds". Check with us first on the number or email above.
Is it really us?
If you're not sure, stop and check before you send anything:
- Don't reply on the number or email that contacted you. Call or WhatsApp us on +27 61 109 8482, or email [email protected], and ask.
- Check the email address letter by letter. Ours end in exactly @qacapital.co.za.
- Never give your banking app PIN, one-time PINs (OTPs) or card details to anyone who contacts you, whoever they say they are.
Check the funder, not just the broker
We don't lend. The funder does. Where a funding deal is covered by the National Credit Act (NCA), the funder must be registered with the NCR as a credit provider.
Since 11 November 2016 there has been no minimum size for this. The NCR says that from that date "any person or entity that is involved in the provision of credit is now required to register irrespective of the number of agreements". You may still see older pages that mention a size limit. That limit no longer applies.
How to check:
- Ask the funder for its NCR registration number. It starts with NCRCP.
- Look it up yourself on the NCR's register of credit providers: https://www.ncr.org.za/register_of_registrants/registered_cp.php
- Check that the name and number on the register match the name on the offer.
Not every business funding deal falls under the NCA. For a business, the NCA usually covers a company or close corporation (CC) only if both its annual turnover and its asset value (counting related companies) are under R1 million. Even then, it doesn't cover a loan or other credit transaction of R250,000 or more. A funder may not show an NCR number for a deal the NCA doesn't cover. Either way, ask the funder to tell you in writing who it is, its company registration number and what the deal will cost you in rand.
Where the NCA applies, ask the funder for a pre-agreement statement and quotation before you sign. The funder must give you one (section 92 of the NCA).
Warning signs
- You're told your funding is approved before anyone has looked at your business.
- You're asked to pay before any money reaches your account.
- You're rushed: "today only", "the offer expires in an hour".
- The person won't put the funder's name, registration number or the full cost in writing.
- The email address or website is close to ours but not the same.
How to report a scam
- Tell us. Email [email protected] or call or WhatsApp +27 61 109 8482. Send screenshots of the messages, the number or email used, and any payment details you were given. We'll tell you whether it was us.
- If you've paid money, contact your bank straight away.
- Report it to the police. The NCR says anyone who has paid an upfront fee for a loan should open a criminal case at their nearest South African Police Service (SAPS) station.
- If your own identity details were used or stolen, for example a director's ID, you can apply for free Protective Registration with the Southern African Fraud Prevention Service (SAFPS): call 011 867 2234 or see https://www.safps.org.za/Home/Contact.
- If the scammer claimed to be a registered credit provider, tell the NCR: call 0860 627 627 or email [email protected].
Want to talk to us?
If you're not sure whether a message came from us, ask us. If you're looking for funding, you can check your funding fit. It takes about 2 to 3 minutes and needs no documents to start.
Sources
- ncr.org.za: NCR media release, April 2020: "an "upfront payment" for a loan is unlawful and not allowed ..
- ncr.org.za: NCR public warning, July 2018: "Don't be pressured into acting quickly
- ncr.org.za: NCR, November 2016: registration "irrespective of the number of agreements" from 11 November 2016
- gov.za: Notice 513 of 2016, registration threshold of nil
- ncr.org.za: NCR register of credit providers
- justice.gov.za: NCA s4 and s9 scope
- gov.za: Notice 713 of 2006, R1,000,000 and R250,000 thresholds
- ncr.org.za: Call Centre: 0860 627 627
- safps.org.za: and https://www.safps.org.za/Home/Contact: "Protective Registration is free