Business funding
Compare Asset Finance in South Africa
Compare finance for vehicles and other assets. Ownership, a residual payment and the security over the asset depend on the contract.
Funding eligibility, pricing and security requirements depend on the provider and the business. WiT Money does not approve credit or give a personalised quotation. Information checked 28 October 2026.
Before you compare
An instalment sale, a finance lease, an operating lease and a loan secured by an asset do not all transfer ownership at the start. A balloon or residual payment can leave a large amount at the end. No rate is printed.
A limited company does not remove a director's liability under a valid personal suretyship. Security over a business asset and a personal undertaking are different promises.
Compare providers
The provider name links to the WiT Money profile. The gold button opens the recorded website. It is not an application.
7 of 7 products, in provider name order. A missing price is not shown as zero, and nothing is ranked as cheapest.
A product page was not checked. Confirm whether this offer is open.
- Amount
- Quote required
- Term
- Negotiated
- Pricing
- Quote required
Eligibility. Bank credit assessment
Security. Asset/security
Advantages
- Established banking group
Considerations
- Product terms unverified
Notes checked 28 October 2026. Confirm the amount, the price and any surety with the provider. No National Credit Regulator number is shown on this card. A loan described as unsecured can still ask for personal surety.
- Amount
- R250k–R5m advertised
- Term
- Generally around 60 months
- Pricing
- Risk-based finance cost
Eligibility. Established viable businesses; new equipment
Security. Asset and potential guarantees
Advantages
- Equipment specialist
- VAT funding possible
Considerations
- Excludes vehicles, IT and yellow goods in stated product
Notes checked 28 October 2026. Confirm the amount, the price and any surety with the provider. No National Credit Regulator number is shown on this card. A loan described as unsecured can still ask for personal surety.
A product page was not checked. Confirm whether this offer is open.
- Amount
- Quote required
- Term
- Negotiated
- Pricing
- Quote required
Eligibility. Credit assessment
Security. Asset and possible guarantee
Advantages
- Bank financing and related services
Considerations
- Check specific product terms
Notes checked 28 October 2026. Confirm the amount, the price and any surety with the provider. No National Credit Regulator number is shown on this card. A loan described as unsecured can still ask for personal surety.
Confirm the current product page with the provider.
The button uses the public homepage.
- Amount
- Quote required
- Term
- Quote required
- Pricing
- Individualised quote
Eligibility. Income and asset assessment
Security. Instalment-sale security
Advantages
- Range of commercial assets
Considerations
- Ownership and residual terms need checking
Notes checked 28 October 2026. Confirm the amount, the price and any surety with the provider. No National Credit Regulator number is shown on this card. A loan described as unsecured can still ask for personal surety.
- Amount
- General SME range R1m–R75m
- Term
- Negotiated
- Pricing
- Risk-based quote
Eligibility. Established SME; specialised assets
Security. Asset and other collateral
Advantages
- Specialist complex-asset focus
Considerations
- High eligibility threshold
Notes checked 28 October 2026. Confirm the amount, the price and any surety with the provider. No National Credit Regulator number is shown on this card. A loan described as unsecured can still ask for personal surety.
- Amount
- Quote required
- Term
- Negotiated
- Pricing
- Fixed or prime-linked rate; fees quoted
Eligibility. Asset and affordability checks
Security. Financed asset; additional security possible
Advantages
- Lease or instalment sale options
Considerations
- Balloon/residual and insurance risks
Notes checked 28 October 2026. Confirm the amount, the price and any surety with the provider. No National Credit Regulator number is shown on this card. A loan described as unsecured can still ask for personal surety.
A product page was not checked. Confirm whether this offer is open.
- Amount
- Quote required
- Term
- Negotiated
- Pricing
- Quote required
Eligibility. Asset and credit assessment
Security. Financed vehicle
Advantages
- Vehicle finance focus
Considerations
- Commercial product/eligibility requires confirmation
Notes checked 28 October 2026. Confirm the amount, the price and any surety with the provider. No National Credit Regulator number is shown on this card. A loan described as unsecured can still ask for personal surety.
Compare selected products
Choose up to three on this page. Prices are not ranked, because they are not the same kind of charge.
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Estimate the cost
Type your own figures. Product cards do not fill these fields, because a published line is not a single rate you can drop into one formula.
What you may need before applying
Providers often ask for company or sole-proprietor details, bank statements, financial statements or management accounts, a cash-flow view, SARS documents, identity documents, and the invoice, order or supplier quote the funding is for. Not every provider asks for every document. The list is preparation, not a decision that you qualify.
Regulation
The National Credit Act does not apply to every business facility in the same way. A juristic person, the size of the facility and the type of agreement can change the position. No NCR number is printed on these cards. A marketplace is not the lender. FSCA authorisation, where a firm has it for another activity, is not shown here as permission to advance this facility.
How WiT Money compares these products
Each page keeps its own products. An invoice fee, an overdraft rate, a merchant factor and a term-loan instalment are not sorted against one another. Nothing is ranked as the cheapest or the easiest approval. A listed name is not a recommendation.
Other funding pages
Sources
Page updated 28 October 2026. A source date is the day WiT Money checked that page, not a promise the institution has not changed it since.
- National Credit Regulator
National Credit Regulator · checked 28 October 2026
- Financial Sector Conduct Authority
Financial Sector Conduct Authority · checked 28 October 2026