Hassle free business finance

We provide finance to small and medium sized businesses. Whether you want to grow your business or are experiencing short term cash flow issues, we are there to help.

Unsecured loans

If your business has been trading for more than 2 years and it’s turnover is more than R3m per year, we can help you with an unsecured loan.

R100K to R1M

Size of loans granted depend on your affordability and our risk exposure. Regular clients may qualify for larger amounts.

3-24 Month terms

Repayment terms depend on affordability and consideration of your needs. Debit order are processed on a weekly basis.

3% Interest per month

Interest is calculated monthly on the outstanding balance (reducing balance method).

Turnover > R3M per year

We only assist clients whose businesses turn over more than R3m per year. Exceptions can be considered should your business be well established with high margins.

No startups

We require a minimum of 2 year’s trading history, your business should be established with well documented management reports.

Grace period

Grace periods, during which only interest is paid, will be considered. Terms will be business prospect-dependent, up to a maximum of 6 months.

R100,000 over 6 months

3% per month
Monthly premium R18,460
Interest R10,760
Total Repayment R110,760

Our competitors charge a fixed fee over the duration of the loan. This way they hide their effective interest rate, which in most cases is substantially higher than ours.

Example: 25% fixed fee over 6 months = 7% per month

Secured loans

Loans secured against property are more affordable and ideal for larger transactions.

R1M Plus

Maximum 50% loan-to-value ratio.

Juristic Person

Agreement is with a Juristic person as stipulated by the NCA. Both personal and unencumbered business properties are accepted as surety.

2% Interest per month

Interest is calculated monthly on the outstanding balance and is never capitalised.

Bond

Property should be unencumbered and the agreement with us the first covering bond.

Up to 24 months terms

Repayment terms depend on capacity and consideration of your needs. Debit orders are processed on a weekly basis.

Grace period

Grace periods, during which only interest is paid, will be considered. Terms will be business prospect-dependent, up to a maximum of 6 months.

R1,000,000 over 24 months

2% per month
Monthly premium R152,872
Interest R268,928
Total Repayment R1,268,928

Our competitors charge a fixed fee over the duration of the loan. This way they hide their effective interest rate, which in most cases is substantially higher than ours.

Example: 25% fixed fee over 6 months = 7% per month

WE OFFER

Other Loans

RAF Advances

  • Get a cash advance on settled claims against the Road Accident Fund
  • We advance up to 50% of settled claims
  • Bridging rate = R1 per R1000 per day

Bridging Finance

  • Up to 80% of expected proceeds from property transactions
  • Estate agent’s commission
  • Advances to cover rates, taxes and transfer duties
  • Bridging rate = R1 per R1000 per day

Invoice Factoring

  • Single invoice discounting
  • Up to 75% of the invoice amount
  • Discount rate = R1.30 per R1000 per day

How To Apply

Give us a call. We believe in the personal touch and would like to meet with you in person to discuss your needs.

Contact Us

079 344 2765
010 500 0444

Alternatively send us a message by completing the form below.