Finance your business

Whether you need capital to finance a business venture, working capital to expand your business or finance to acquire vehicles, plants and machinery, we have the right solution to meet your specific business needs.

Leverage our working capital and short-term facilities

Overdraft

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

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

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

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

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

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

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

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

Other

Vehicle and insurance quotations

Securities held or proposed

Aged debtors and creditors

Orders or contract letter including contract schedule (CS)

Need help? Get in touch with an expert business banker

Contact us