South Africa
Fixed term business loan
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
How to get it
- Speak to your Relationship Manager
- Send us a Call me back
- Email us
- Call 0860 109 075
- Or speak to us at your nearest branch
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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
- Speak to your Relationship Manager
- Send us a Call me back
- Email us
- Call 0860 109 075
- Or speak to us at your nearest branch
Calculate repayments
Work out how much you’ll potentially repay each month
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.