- 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 SMEs 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.
Get flexible credit for your business
A Gold Credit Card can give your business the flexibility of instant cashflow with the option to settle in full each month, interest-free.
Optimise business operations through medium- to long-term tailored financing
Business loan
This is a secured facility over a 60-month 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.
Documents you'll need to apply
Company profile
Management experience (CV)
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
Six months’ bank statements (for new clients)
Two years' financial statements
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 (CS)