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BizFlex: Flexible short-term business loan

 BB BizFlex Short-term business loan

BizFlex is ideal if you need working capital or want to grow your business, while repaying the loan as you earn revenue.

Some of benefits

Instant access

Get access to funds within hours of signing the offer

Repay as you earn

Repay your business loan as you earn revenue

Affordable instalments

Interest charge is fixed and guaranteed upfront in Rand terms irrespective of the period taken to settle the loan

Seamless process

Apply and sign digitally for your short-term loan via Internet Banking
What you get
  • A short-term lending solution designed to facilitate real, tangible business growth
  • Funds that are in your account within hours of signing
  • Pay as your business earns, which means no fixed monthly repayments
  • Complete cost certainty with no monthly fees: an all-in interest charge is quoted upfront and is fixed irrespective of the time taken to repay
  • A quick and seamless digital experience – no need to visit a branch
How it works
  • You need an existing Standard Bank Business Current Account to qualify for a BizFlex loan.
  • You choose the percentage of your daily revenue to pay towards the loan. This will ensure your repayments match your cashflow.
  • The total cost of lending, including interest, is quoted upfront giving you complete cost certainty.
  • You can take up the offer and complete the signing process digitally on Internet Banking. As soon as its finalised, your funds will be paid into your account within hours.

Learn more by watching our BizFlex loan video.

What it costs
  • No monthly fees
  • You decide what percentage of your daily earnings to pay towards your short-term business loan
  • A fixed interest charge is built into your repayments
  • The interest charge does not vary irrespective of the time taken to repay your loan
How to get it

Minimum requirements:

To apply for a BizFlex loan, you need to:

  • Have an active Standard Bank Business Current Account for at least 6 months
  • Have a business turnover of more than R1 million per annum
  • Have a business that is Proprietary Limited or Close Corporation


If you have an existing Business Current Account with us:

  • Register or sign into Internet Banking to view your personalised* BizFlex offer, or
  • Speak to your  Banker to see if your business qualifies

If you don’t have an existing Business Current Account with us:

*T&Cs apply.

  • What you get
  • How it works
  • What it costs
  • How to get it
  • A short-term lending solution designed to facilitate real, tangible business growth
  • Funds that are in your account within hours of signing
  • Pay as your business earns, which means no fixed monthly repayments
  • Complete cost certainty with no monthly fees: an all-in interest charge is quoted upfront and is fixed irrespective of the time taken to repay
  • A quick and seamless digital experience – no need to visit a branch
  • You need an existing Standard Bank Business Current Account to qualify for a BizFlex loan.
  • You choose the percentage of your daily revenue to pay towards the loan. This will ensure your repayments match your cashflow.
  • The total cost of lending, including interest, is quoted upfront giving you complete cost certainty.
  • You can take up the offer and complete the signing process digitally on Internet Banking. As soon as its finalised, your funds will be paid into your account within hours.

Learn more by watching our BizFlex loan video.

  • No monthly fees
  • You decide what percentage of your daily earnings to pay towards your short-term business loan
  • A fixed interest charge is built into your repayments
  • The interest charge does not vary irrespective of the time taken to repay your loan

Minimum requirements:

To apply for a BizFlex loan, you need to:

  • Have an active Standard Bank Business Current Account for at least 6 months
  • Have a business turnover of more than R1 million per annum
  • Have a business that is Proprietary Limited or Close Corporation


If you have an existing Business Current Account with us:

  • Register or sign into Internet Banking to view your personalised* BizFlex offer, or
  • Speak to your  Banker to see if your business qualifies

If you don’t have an existing Business Current Account with us:

*T&Cs apply.