Commercial bank lending in South Africa is influenced by the business cycle, with banks adjusting their lending behavior during economic upturns and downturns. The study used data from 1990-2015 and found that fluctuations in the business cycle can impact credit growth in the long run. The research shows that credit follows the business cycle, with business cycle explaining 20% of the variation in credit to GDP after four to five years. The findings suggest that South Africa needs policies to manage credit flow to the real sector and ensure financial stability.