Credit

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

Business credit card

Simply Sell

Sell your vehicle and settle your Capitec Business debt through Simply Sell.

What you get with Simply Sell:

  • A better offer with less admin
  • Up to 100% of your debt repaid
  • If the sale doesn’t cover your full debt, we’ll help you manage the balance
  • Improve your credit record by reducing debt
  • Avoid repossession of your vehicle

Sell assets

Get an overdraft

Get an overdraft

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

Overview:

  • Flexible limit
  • No security needed
  • Access to funds when you need them
  • Quick and easy approval process

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

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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 

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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

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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

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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

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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

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