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Business term loan 

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

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Business term loan

What are the benefits?

capitec business loan

  • Our Relationship Bankers understand your unique needs, and can tailor the ideal business term loan for you 
  • Choose a repayment term of up to 60 months 
  • We offer competitive interest rates that are linked to the prime lending rate, so if interest rates go down so will your monthly payment 
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What can I use the business term loan for?

A business term loan can be used to finance capital expenditure, expand and grow your business, alter your business premises and acquire another business.

You can also use it to bring outsourced services in-house, restructure your company’s balance sheet, consolidate and manage your business’s debt, and more. 

  • A Capitec Business account 
  • A minimum of 2 years operating as a business

Depending on the nature and context of the transaction and the amount of financing required by the business, we may require some form of collateral/security, such as: 

  • Personal suretyships of the principal(s)  
  • Bonds over moveable and/or immovable property
  • Investments 
  • Other additional collateral/security may apply 

Depending on the nature of the transaction and the amount of financing needed, we may require some or all of the following:

  • Signed financial information
    • Latest signed annual financial statements
    • Up-to-date management accounts (not older than 3 months)
    • Statement of personal assets and liabilities
    • Statement of personal income and expenditure
  • Other
    • Most recent 6 months’ bank statements (new clients only)
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