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Finance Your Business
Whether you need capital to finance a business venture, working capital to expand your business, or finance to acquire vehicles, plant and machinery, we have the right solution to meet your specific business needs.
General Loan Requirements
- Business plan/proposal
- Copies of company documents
- Financial statements (past two years)
- Latest management accounts
- Cash flow projection to match proposed tenure of facility
- Aged debtors and creditors
- Details of facilities with other banks
- Details of security on offer
- Six months' bank statements (new clients)
- Tax clearance certificate
WORKING CAPITAL AND SHORT-TERM FACILITIES
Overdraft
An overdraft is the simplest and most flexible way to access additional working capital over a maximum of 12 months if your business needs it.
Order finance
This facility is a short term facility, targeted at SMEs with confirmed orders from reputable corporates with demonstrable capacity to pay. Facility tenure is determined by the agreed terms of the order.
Cash Solutions
Cash Solutions provides you with cash (once-off or an ad hoc basis) based on the sale of selective invoices for goods supplied to blue-chip corporates, when you need to improve your cash flow.
SME Loan
This allows you the freedom to finance either working capital or equipment over a 12-month tenure.
Guarantees/Bid bonds
We provide several types of guarantees that facilitate business agreements and contracts. The bank undertakes that should you default, the bank will pay an agreed amount to the third party.
Performance guarantees
This guarantee provides an assurance that you will perform in terms of a contract, eg delivery of goods or performance of a product.
MEDIUM-TERM LOANS
Medium-term Loan
This a secured facility over an 18-month period that provides you with an option to purchase second vehicles/equipment and specialised equipment that ordinarily would not qualify under vehicle and asset based finance.
Vehicle finance
A cost-effective way to finance company cars, delivery vans to a fleet of vehicles over 12 months.
Asset-based finance
As your business grows and changes, so do your financial needs. This is a flexible finance option to suit your requirements when buying plant and equipment for your business.