Business funding
Compare Equipment Finance in South Africa
Compare finance for machinery and equipment. The machine may be the security. Maintenance, insurance and ownership at the end are separate questions.
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
Finance for a machine is not the same as a working-capital loan. The equipment may be the security. Ownership at the end, maintenance and insurance depend on the contract. 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.
6 of 6 products, in provider name order. A missing price is not shown as zero, and nothing is ranked as cheapest.
- Amount
- R250k–R5m
- Term
- Generally 60 months
- Pricing
- Risk-based quote
Eligibility. Established viable business; new equipment only
Security. Asset and/or guarantees
Advantages
- Manufacturing/engineering equipment focus
Considerations
- Excludes certain categories
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
- Term
- Generally around 60 months
- Pricing
- Risk-based
Eligibility. New accredited-supplier equipment
Security. Asset security
Advantages
- Documents and finance terms described
Considerations
- Not for IT, vehicles or yellow goods
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
- Negotiated
- Pricing
- Quote required
Eligibility. Bank credit assessment
Security. Financed equipment
Advantages
- Business instalment sale
Considerations
- Terms require live 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.
- Amount
- R1m–R75m general range
- Term
- Negotiated
- Pricing
- Quote required
Eligibility. Established SME
Security. Asset and collateral
Advantages
- Unusual/specialised assets
Considerations
- High threshold and extensive underwriting
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 linked interest, fees quoted
Eligibility. Equipment quote, affordability
Security. Equipment-backed arrangement
Advantages
- Lease or purchase options
Considerations
- Possible balloon and initial equity
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 linked rate; fees
Eligibility. Vehicle quotation and repayment capacity
Security. Vehicle secured
Advantages
- Commercial trucks/trailers supported
Considerations
- Deposits and balloon may apply
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