We have assembled a team of highly qualified professionals from the accounting, legal, finance and taxation fields to advise you on the finance solutions and structures that best suit your particular requirements: The options available to you include:

• Repayments arranged to suit your cash flow. For example, if you know that your cash flow tends to be particularly low in a certain month, you can arrange to miss your payment for that month. You also have the choice of paying your instalments quarterly, six-monthly or annually.
• You can negotiate a payback period equal to the useful life of your asset, so that you don't pay for something you don't use.
• You can choose between a fixed interest rate and one linked to the prime rate.
• You can arrange to pay more at the beginning of your agreement period and less later, or the other way round.
• If the asset you want to buy is only available from an overseas supplier, we can import it on your behalf, to ensure you pay the lowest possible fees and costs.
• We offer affordable insurance to go with your finance.
• We can advise you on how to structure your deal taking into account tax issues, VAT, your cash flow and the amount you have available for a deposit.

The experience and knowledge of Standard Bank Vehicle and Asset Finance's staff together with our close ties with Standard Bank Agricultural Division, will ensure that the correct financial advice is offered for each transaction.

Standard Bank Vehicle and Asset Finance's financial calculator can assist you in determining your financial parameters.