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Fixed-Term Business Loan

BB Fixed term business loan Product detail Banner

Cater to your business’s cashflow seasons with a loan that keeps your repayment terms the same so you can budget effectively.

Some of the benefits

Instant capital

Get immediate access to funds as it is paid directly into your business bank account

Tailored payments

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

Fixed interest

Budget for the term of your loan as monthly repayments and interest are fixed

Affordable

Pay a once-off initiation fee and enjoy personalised interest rates
Calculate repayments

Work out how much you’ll potentially repay each month

What you get
  • Use the Fixed-Term Business Loan as a short- to long-term lending solution to help your business grow
  • Repay your loan over 1 to 10 years - the choice is yours
  • Repayments are structured around your cashflow

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 for a Fixed-Term Business 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 12 months

 

What it costs
  • Monthly service fee: R69
  • Once-off initiation fee: 1.51% of your approved limit
  • Personalised interest rate

See 2020 pricing guide

How to get it
  • What you get
  • How it works
  • What it costs
  • How to get it
  • Use the Fixed-Term Business Loan as a short- to long-term lending solution to help your business grow
  • Repay your loan over 1 to 10 years - the choice is yours
  • Repayments are structured around your cashflow

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 for a Fixed-Term Business 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 12 months

 

  • Monthly service fee: R69
  • Once-off initiation fee: 1.51% of your approved limit
  • Personalised interest rate

See 2020 pricing guide

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.