Standard Bank Vehicle and Asset Finance offers various financial solutions for your growing capital equipment needs, including leasing, instalment sale and Specialised Finance.
We have specialists to assist you in:

• Aviation
• Computer
• Medical
• Earthmoving and Construction
• Mining
• Materials handling and
• Truck, Bus and Trailers

• Credit lines ensuring the finance is available at all times
• The period of an agreement can be structured to match the useful life of the capital equipment
• Payment that best suit your circumstances and cash flow needs
• Fixed or variable interest rates
• Escalating or de-escalating payments can be accommodated
• Insurance for the full duration of the agreement at attractive rates

Financing Options

Whether you are a sole proprietor or the person in charge of acquiring capital equipment for your business, we have packages that can be structured to suit your particular business requirements in order to optimise tax and cash flow benefits, for example:

Instalment Sale

• Standard Bank Vehicle and Asset Finance purchases your chosen asset on your behalf and you make regular repayments
• Ownership passes automatically to you when the goods have been fully paid for
• Corporate buyers are able to negotiate the deposit, balloon payment and period of the agreement with Standard Bank Vehicle and Asset Finance
• As purchaser, your entity claims applicable wear and tear allowances for tax purposes

• A financing method whereby you may obtain the use of an asset for an agreed period of time
• At the end of the period the ownership of the asset can be acquired, the lease agreement continued or the asset returned
• For corporate users, the initial payment, balloon payment and period of the agreement are negotiable
• Your entity as lessee, claims the lease payments for tax purposes

• Rentals have similar tax considerations to those of Leases, excepting VAT collection and administration

• Standard Bank Vehicle and Asset Finance is able to offer preferential funding mechanisms
• This includes the traditional Prime linked funding option, fixed rate options as well as a direct access to South African money market for funding based on Negotiable Certificates of Deposit
• A further option is to tap into international markets and raise offshore funding, either on a fixed or floating interest rate
• Export credit facilities for importation of plant and equipment from qualifying countries can also be arranged