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Business Revolving Loan

BB Revolving Credit Plan product detail banner

Access working capital and financing for income-producing assets or for business expansion. Repay 15% of your Business Revolving Loan and you can access it again without reapplying.

Some of the benefits

Revolving credit

Re-use your credit facility once you’ve repaid 15% of your original loan amount without having to reapply

Fixed repayments

Manage your business budget by knowing exactly how much you’re repaying every month

Flexible + convenient

Credit is available for as long as you need it and you can make minimum monthly repayments whenever you need to

Improved ratings

Build a positive payment history with us for your business credit report
WHAT YOU GET
  • Apply for a Business Revolving Loan as a cashflow management tool for your business
  • Get access to additional funds in between payments and collections
  • Whether you need a medium- to long-term loan, the revolving credit is always available when you need it 
  • Should you choose to settle your loan at any time, you will not be charged penalties

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 Business Revolving Loan
  • Your funds will be made available in your Business Current Account
  • Monthly repayments for capital and interest are fixed
  • Your interest rate is personalised and linked to prime rate
  • If the interest rate changes, it will affect your repayment term but not your monthly amount
  • The minimum repayment term is 60 months
  • You can access funds again* once 15% of your limit is repaid
  • Your original term will then be extended

*Subject to good credit record

What it costs
  • Fixed monthly repayments
  • Once-off initiation fee: 1.26% of your approved limit
  • Monthly service fee: R69
  • Lending review fee: 1.01% of your approved limit
  • Personalised interest rate

See 2020 pricing guide

How to get it

If you already have a Business Current Account and would like to apply for a Business Revolving Loan, you can simply

  • WHAT YOU GET
  • How it works
  • What it costs
  • How to get it
  • Apply for a Business Revolving Loan as a cashflow management tool for your business
  • Get access to additional funds in between payments and collections
  • Whether you need a medium- to long-term loan, the revolving credit is always available when you need it 
  • Should you choose to settle your loan at any time, you will not be charged penalties

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 Business Revolving Loan
  • Your funds will be made available in your Business Current Account
  • Monthly repayments for capital and interest are fixed
  • Your interest rate is personalised and linked to prime rate
  • If the interest rate changes, it will affect your repayment term but not your monthly amount
  • The minimum repayment term is 60 months
  • You can access funds again* once 15% of your limit is repaid
  • Your original term will then be extended

*Subject to good credit record

  • Fixed monthly repayments
  • Once-off initiation fee: 1.26% of your approved limit
  • Monthly service fee: R69
  • Lending review fee: 1.01% of your approved limit
  • Personalised interest rate

See 2020 pricing guide

If you already have a Business Current Account and would like to apply for a Business Revolving Loan, you can simply

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.

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