South Africa
Business Term Loan
Effectively budget for all your cashflow seasons with a business loan that keeps your repayment terms consistent.
36 to 120
Months to pay
Personalised
Interest rate
Some of the benefits
Instant capital
Get immediate access to funds as it is paid directly into your business bank account
Tailored payments
Interest and capital are paid monthly over a maximum of 120 months
Affordable interest
Linked to prime interest rate
Business growth
Access funds to purchase longer-term assets or finance your business growth needs
Calculate repayments
Work out how much you’ll potentially repay each month
What you get
- Use the Business Term Loan as a short- to long-term funding solution to help your business grow
- Repay your loan over 2 to 5 years
See T&Cs for Business Lending Juristic in NCA
See T&Cs for Business Lending Juristic outside NCA
See T&Cs for Business Lending Natural In NCA
How it works
- You need a business account to qualify for a Business Term Loan
- Funds are paid straight into your bank account
- Monthly repayments for capital and interest are fixed
- Interest is linked to prime lending rate, which means that when interest rates go down, so will your interest payment
- The interest rate changes affect your repayment term, not the monthly amount
- The minimum term is 36 months
- The maximum term is 120 months
What it costs
- Monthly service fee: R69
- Once-off initiation fee: 1.51% of your approved limit
- Personalised interest rate
See 2023 pricing guide
How to get it
- Speak to your relationship manager
- Send us a Call me back
- Email us at [email protected]
- Call us on 0860 109 075
- Or speak to us at your nearest branch
-
What you get
-
How it works
-
What it costs
-
How to get it
- Use the Business Term Loan as a short- to long-term funding solution to help your business grow
- Repay your loan over 2 to 5 years
See T&Cs for Business Lending Juristic in NCA
See T&Cs for Business Lending Juristic outside NCA
See T&Cs for Business Lending Natural In NCA
- You need a business account to qualify for a Business Term Loan
- Funds are paid straight into your bank account
- Monthly repayments for capital and interest are fixed
- Interest is linked to prime lending rate, which means that when interest rates go down, so will your interest payment
- The interest rate changes affect your repayment term, not the monthly amount
- The minimum term is 36 months
- The maximum term is 120 months
- Monthly service fee: R69
- Once-off initiation fee: 1.51% of your approved limit
- Personalised interest rate
See 2023 pricing guide
- Speak to your relationship manager
- Send us a Call me back
- Email us at [email protected]
- Call us on 0860 109 075
- Or speak to us at your nearest branch
We also offer
Business Current Account
Run your business with a business bank account that lets you manage your money and transact 24/7 from your Banking App or Internet Banking. Our business current account gives you access to secure electronic transfers, pre-paid purchases and payments, and allows you to boost your business’s cashflow with tailored business lending solutions.
Vehicle and asset financing
Need a delivery van? Flat-bed truck or capital equipment? We’ll get you a great deal on the right finance plan.
Understanding your risk profile
Environmental
Environmental
Risk that mostly refers to the industry in which you plan to set up your business and your customers.
Financial
Financial
Risk that’s determined by the financial state of your business, and the security that you’re able to offer.
Management
Management
Risk that takes into account the skills, commitment and abilities of the owners and management of your business.
What you need to apply
What you need to apply
Knowing up-front the information we need from you will help your application process run as smoothly as possible.