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Fixed term business loan

BB Fixed term business loan Product detail Banner

Keep your repayment term the same to cater to your business cash flow seasons.

Some of the benefits

Instant capital

Access funds to act quickly on growth opportunities or to acquire new assets

Tailored payments

Pay the interest monthly and repay the capital in pre-arranged intervals

Immediate access

Funds paid directly into your account

Affordability

Pay a once-off initiation fee
What you get
  • You need a Business Current Account to qualify
  • Funds are paid straight into your account
  • Repayments are structured around your cash flow

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 Standard Bank Business Current Account to qualify
  • Your funds are made available in your 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
  • Interest rate changes affect your repayment term, not monthly amount
  • The minimum term is 60 months
  • You can revolve* once 15% of your limit is repaid
  • The original term is then extended

*Subject to good credit record

What it costs
  • 1.51% once-off initiation fee (percentage of approved loan amount)
  • Interest is linked to prime, so when interest rates go down, so will your interest repayment

See 2020 pricing guide

How to get it
  • What you get
  • How it works
  • What it costs
  • How to get it
  • You need a Business Current Account to qualify
  • Funds are paid straight into your account
  • Repayments are structured around your cash flow

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 Standard Bank Business Current Account to qualify
  • Your funds are made available in your 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
  • Interest rate changes affect your repayment term, not monthly amount
  • The minimum term is 60 months
  • You can revolve* once 15% of your limit is repaid
  • The original term is then extended

*Subject to good credit record

  • 1.51% once-off initiation fee (percentage of approved loan amount)
  • Interest is linked to prime, so when interest rates go down, so will your interest repayment

See 2020 pricing guide

Calculate repayments

Work out how much you’ll potentially repay each month

We also offer
BB_Business_Current_Account_ Product Details
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

BB Vehicle finance Product detail
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.

Environmental

Risk that mostly refers to the industry in which you plan to set up your business and your customers.

Financial

Risk that’s determined by the financial state of your business, and the security that you’re able to offer.

Management

Risk that takes into account the skills, commitment and abilities of the owners and management of your business.

What you need to apply

Knowing up-front the information we need from you will help your application process run as smoothly as possible.