Business Working Capital Loan

A Business Working Capital loan is a credit facility granted to a business to meet its immediate cash needs. The loan provides instant cash to fund your current business activities.

What does it offer me?

  • Your loan can be used to buy or upgrade fixed property, finance fixed assets, capital expenditure or set-up costs
  • Your repayments can be tailored to suit your business’ cash flow projections
  • Competitive interest rates are offered and may be variable or fixed for the term of your loan
  • May not be used for the consolidation of debt or as a substitute for vehicle and asset finance
  • Repayment ability based on past profitability and/or cash flow projections. Subject to first-class collateral (tangible, easy realisable security), which we are able to fall back on as an alternative source of repayment
  • The loan period is from 1 to 10 years.



What do I need to apply?

You need to have been in business for 12 months or more

Visit your nearest branch with the following documents:

  • Latest financial statements
  • Directors’ personal balance sheets
  • Cash flow projections for 12 months
  • Resolution signed by the directors agreeing to apply for a Business Term Loan
  • Company profile
  • Company registration documents
  • Six months’ bank statements
  • Schedule of debtors and creditors
  • If you do not have a business account with us, we need your past three months’ bank statements.
  • New customers need to open a transactional account.



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+267 398 7801


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