Lending guidlines

Structuring your finances correctly is crucial to the success of your business. That's why you need a financial partner that not only understands that cash flow is critical, but also gives you access to working capital.

Whether your business needs to buy property, finance equipment or fund operating expenses, we offer a number of financial solutions. So whatever your business needs, we'll help you choose the most suitable finance.

The table below gives guidelines for the various finance options available. Before you make a choice, we recommend that you talk to our Business team at your local branch.

 

Financing requirements

Lending solutions

 

 

Overdraft

Business revolving credit

Medium-Term Loan/ /Business Term Loan

Debtor finance

Vehicle and Asset
Finance

Working capital

Cash

Yes

Option

Option

No

No

Stock finance

Yes

Yes

Option

No

No

Debtor finance

Yes

Yes

Option

Yes

No

Asset finance

Passenger vehicles

No

No

No

No

Yes

Plant and capital equipment

No

Option

Option

No

Yes

Commercial vehicles

No

No

No

No

Yes

Property

No

Option

Yes

No

No

Fixtures and fittings

No

Option

Option

No

Yes

Office equipment

No

Yes

Option

No

Yes

Other used assets

No

Yes

Option

No

Yes

If you want to find out more about how we can help to meet your lending requirements, please contact your nearest branch and speak to one of our Business Bankers. To speed up the process, please select one of the following options below: