- Our solutions
- How to apply
Leverage our working capital and short-term facilities
Overdraft
An overdraft is the simplest and most flexible way to access additional working capital over a period of 3 to 12 months should your business need it.
Order finance purchasing
This facility is a very short-term facility targeted at small and medium enterprises with confirmed orders from reputable corporates and demonstrable capacity to pay. The facility tenure is determined by the agreed terms of the order.
Cash solutions
Cash solutions provide you with cash, once-off or ad hoc, based on the sale of selective invoices for goods supplied to blue-chip corporates when you need to improve your cash flow.
Flexible credit for your business
A Gold Credit Card can give your business the flexibility of instant cash flow with the option to settle in full each month, interest-free.
Optimise business operations through medium-to-long-term tailored finance
Business loan
This is a secured facility with a 60-month repayment period that provides you with an option to purchase second vehicles or equipment and specialised equipment that ordinarily would not qualify under vehicle and asset-based finance.
Vehicle finance
A cost-effective way to finance brand-new and used vehicles and delivery vans to a fleet of vehicles, at competitive rates. The term is currently 36 months.
Asset-based finance
As your business needs grow and change, so do your financial needs. This is a flexible finance option, like vehicle finance, that suits your requirements when buying plant and equipment for your business. Terms are similar to those of vehicle finance.
You'll need the following to apply:
Company profile
- Management team CVs
- A business plan or profile for a new business or project
- Board resolution for a propriety limited company or close corporation
- Copies of company documents
Financial documents
- Bank statements for the past 6 months for new clients
- Financial statements for the past 2 years
- Latest management accounts
- Details of facilities with other banks
- Cash flow projection to match proposed tenure of facility
Other
- Vehicle and insurance quotations
- Securities held or proposed
- Aged debtors and creditors
- Orders or contract letter including contract schedule