Business Loans
Get the cash-flow, liquidity or working capital solution that helps you make the quick decisions your business needs to keep growing and moving forward.
Some of the benefits
Great rates
Get a personalised interest rates based on your affordability
Agility
Make quicker decisions with more spending power
Flexibility
Choose to repay your loan at a pace that suits your business income.
Partnership
Drive your growth strategy with reliable access to funds
Cash flow solutions
Bank Guarantee
A bank guarantee is a written undertaking issued by the bank in favour of the receiver of the goods or services, whereby the bank undertakes to make certain payments on behalf of its client, if the latter fails to make a payment or to carry out specific functions in terms of the commercial contract. The bank’s commitment is legally independent of the underlying commercial contract
Term Loans
This facility is given to your business in the form of a loan disbursement.It can be of a revolving or non-revolving nature.
Overdraft
An overdraft is the ideal way to finance your working capital and cash flow. It is linked to your Business Current account and you can use as much as you need up to your limit.
Debtor Finance
This product is also known as invoice discounting, receivables financing or factoring and id there to help your business improve its cash flow by freeing funds that are owed to you for work done. It is a flexible financing option that creates working capital by converting unpaid sales invoices into cash, thus giving your business access to finance that is directly linked to your turnover.
Finance Lease
We buy the assets and lease them to you for an agreed period. Once this period expires, you have the option of gaining outright ownership of the assets. This allows for the acquisition and full use of assets without affecting your cash flows. The product allows the use of the leased asset for security and may have tax advantages
Insurance Premium Finance
Our Bancassurance offers a range of short-term insurance products for the term of a Finance Lease agreement you have entered into with us. We finance these insurance premiums for you.
Invoice Finance (Buyer or Seller)
Invoice Finance enables a buyer or seller who trades on open account (credit) terms to raise short term trade financing using commercial invoices and evidence of shipment or delivery
Letter of Credit
A Letter of Credit (LC) is a written irrevocable undertaking issued by the Bank, to a supplier of goods or services at the buyer’s request, to effect payment up to a stated amount, within a stated time, against presentation of specified documents which comply with the terms of the Credit
Structured Trade
Structured Trade and Commodity Finance (STCF) provides tailor-made financial solutions for commercial and commodity-related transactions. Typical products and services include facilities under Collateral Management Agreements (CMA) and financing under Stock Monitoring Arrangements (SMA).
We also offer
Current Account
The Business Current Account is a day-to-day transactional account for companies of any size. Get full financial support from our business advisory team and make your business a success.
Plant All Risks
Provides cover against damage to plant whilst at work or at rest and/or during installation, erection or dismantling and liabilities resulting there from Electronic Equipment.