Rental finance

Get the technology or equipment you need to stay efficient and competitive without using working capital. 

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What are the benefits?

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  • Enjoy the latest technologies while keeping your debt-to-equity ratios low
  • No cash deposit or significant capital outlay needed
  • Pay for the use of the asset, with no inconvenience concerning the ownership of the asset
  • Boost your balance sheet and income statement by increasing your business profits
  • Reduce your debt exposure and enjoy tax advantages
  • Structure payment to your individual needs, such as monthly, quarterly, bi-annual or annual

Rental finance is available on:  

  • Office automation and telecommunication products 
  • Security and surveillance 
  • Medical equipment 
  • Point of sale equipment 
  • Audio/visual equipment, computer and IT equipment 
  • Renewable energy solutions 
  • Material-handling equipment 
  • Engineering and manufacturing 

Why choose to rent? 

  • Get upgrades to the latest, most relevant technology without the budget implications and administrative burden of ownership 
  • You can sell and lease back your existing assets to get the funding you need to take advantage of opportunities and optimise your ability to grow profits  
  • Rentals are operating expenses, so no budget approval needed 
  • There’s no need and no cost to dispose of outdated equipment 
  • Agreements can be electronically signed 

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

Depending on the nature 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)  
  • 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 
  • Other
    • Most recent 6 months’ bank statements (new clients only)


Once the term is over you can return or replace current assets, continue using and rent back assets, or dispose of redundant assets. 

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