Credit

Grow your business with easy access to credit with no extensive documents or business plans needed.

Business credit card

Instant overdraft

Available immediately, no security needed.

Vehicle and asset finance

Finance assets to leave cash flow for other business needs.

Property finance

Customised commercial and residential property finance.

Business term loan

Grow your business on your own terms.

get an instant business overdraft

Get an instant overdraft

With our quick approval process it's easy to get an overdraft to grow your business or use as working capital. Find out more about our instant overdraft.

Overview:

Up to R250 000 limit
No security needed
Instant access to funds when you need it
Available immediately after signing documents online

Credit options to help grow your business

Running a business is hard work. That's why we give you easy access to credit you can afford whenever you need it – with no extensive document submissions or business plans required.

apply for business credit

Pay affordable instalments for the moveable or durable goods and equipment you need to run your business effectively.

Overview

We buy the goods on your behalf
Interest linked to the prime lending rate
Ownership is transferred to you once fully repaid
Preferential rates on comprehensive insurance

Get cost-effective finance for new property or premises to support your growing business needs

Overview

Expedite your business's property acquisitions
Finance up to 70% of the value of the commercial property
Up to 100% home loan
Competitive interest rates
Preferential rates on comprehensive insurance

Get immediate access to extra working capital to help you manage your cash flow.

Overview

Short-term financing tool (up to 12 months)
Competitive interest rate linked to prime
Only pay interest on the credit you’ve used

Get a loan that is based on your budget and structured specifically for your growing business.

Overview

Repayment terms of up to 60 months
Competitive interest rate linked to prime
If interest rates go down, so will your monthly payment

Easy access to cash that’s repaid using a percentage of future sales through Capitec’s card machines, Capitec QR, and Pay me service.

Overview

Quick-access loan of up to R1 000 000
Transparent pricing structure
Qualify for a re-advance once 50% of the loan has been repaid

Get controlled-cost usage and upgrades to the latest technology without the budget implications and admin of ownership.

Overview

No cash deposit or significant capital outlay
Increased business profits
Reduced debt exposure
Tax advantages