FUNDING SOLUTIONS
We provide tailored commercial finance solutions designed to help your business expand, optimise cash flow and scale with confidence.
WORKING CAPITAL FINANCE
Unlock Your Business Potential with Secured Working Capital Finance
Are you looking to scale your operations, bridge a seasonal cash flow gap, or capitalise on an unforeseen business opportunity? Cape Finance’s Working Capital Finance allows you to unlock the hidden liquidity within your existing business assets.
By leveraging your unencumbered trucks, trailers, yellow metal, or property as security, we provide the vital cash injection your business needs to thrive—without the necessity of selling off your core operational equipment. We offer flexible, tailored funding facilities with repayment terms ranging from 12 to 36 months, ensuring the structure aligns seamlessly with your company & cash flow cycle.
We understand the dynamic nature of the South African market and offer a streamlined, pragmatic approach to business funding. Retain full operational use of your hard-earned assets while securing the capital required to drive your next phase of growth.
Partner with Cape Finance to turn your balance sheet into a powerful engine for expansion.
If you need a cash injection to scale operations, buy bulk stock, or bridge a seasonal gap, we allow you to leverage the equity in your existing, unencumbered assets. By using your fully paid-up trucks, trailers, yellow metal, or property as security, we provide a tailored working capital facility with flexible repayment terms ranging from 12 to 36 months.
Yes, 100%! Cape Finance focuses on business continuity. You retain full, uninterrupted operational use of your vehicles or machinery to keep your business generating revenue, while we hold a security interest over the asset for the duration of the term.
Finance Lease
Drive Growth with Asset Based Finance
Ready to expand your fleet or upgrade your heavy machinery without depleting your hard-earned cash reserves?
Our Finance Lease facility allows you to acquire the trucks, trailers, or yellow metal your business needs today, spreading the cost over a structured period of up to 48 months. This on-balance-sheet solution gives you immediate operational capacity, meaning the asset starts generating revenue for your business from day one.
At the end of the term, ownership is yours. Partner with Cape Finance for a fast, pragmatic funding decision that traditional banks simply can’t match.
Asset Based Finance is the ideal solution if you want to purchase a commercial vehicle or yellow metal equipment and add it directly to your balance sheet. We finance the asset over a structured term of up to 48 months, allowing you to expand your fleet and operations without draining your essential cash reserves.
We are pragmatic and understand that older, well-maintained equipment still holds massive commercial value. For Asset Based Finance, we generally consider assets up to 10 years old. We will always review the intrinsic value and condition of the equipment you wish to purchase to structure the best possible deal.
Rent to Own
Preserve Capital with Flexible Operating Rentals
Acquire essential commercial equipment while keeping your primary bank credit lines wide open.
Our Rent to Own solution is a smart, highly flexible way to access the trucks, trailers, and yellow metal you need to scale. Because Cape Finance purchases the asset and rents it to you over 24 to 48 months, your rental payments can often be treated as a deductible operating expense.
It is the perfect strategy for businesses looking to expand rapidly with improved tax efficiency—giving you the ultimate option to take full ownership of the asset at the end of the term.
Our Rent to Own product is an off-balance-sheet financing solution. Instead of your business taking out a loan to buy the asset, Cape Finance purchases the truck, trailer, or machinery and rents it to you over a 24 to 48-month period. This is an excellent way to preserve your existing credit lines and can offer tax efficiencies, as rental payments are typically deductible as an operating expense.
Yes, our Rent to Own model is designed with your long-term operational needs in mind. At the end of the agreed rental term, provided all contractual obligations are met, ownership of the asset easily transfers to your business. equipment you wish to purchase to structure the best possible deal.
Invoice Discounting
Accelerate Cash Flow
Stop letting 30, 60, or 90-day payment terms stall your business momentum. If you have delivered the work, you shouldn’t have to wait for the cash.
Cape Finance’s Invoice Discounting facility turns your outstanding corporate debtor invoices into immediate working capital. We advance you the bulk of the invoice value upfront, providing the instant liquidity required to pay suppliers, manage payroll, or fund your next big contract.
Once your client settles the invoice, the facility is closed. It is fast, efficient, and designed to keep your operations moving forward.
Waiting 30, 60, or 90 days for clients to pay their invoices can severely restrict your cash flow. Invoice Discounting allows Cape Finance to step in and give you an upfront cash advance on the invoices you have already issued to your corporate customers. We provide the liquidity you need today, and the facility is settled once your debtor pays.
We know that cash flow moves fast. Once your application and debtor quality are vetted, we strive to provide application feedback within 5 working days, ensuring you can unlock your tied-up capital exactly when you need it most.
Floor plan facility
Stock Your Dealership with Confidence
Avoid missing sales opportunities due to limited stock. With flexible funding, you can secure the inventory you need — when you need it.
Cape Finance’s Floorplan Facility is designed specifically for truck and trailer dealerships. We provide the capital required to purchase stock based on your volume requirements, allowing you to sell at your own pace and maximise profit.
With tailored interest rates and terms ranging from 90–120 days, this facility gives you the flexibility to manage cash flow while keeping your yard fully stocked and ready for customers.
Our streamlined application process ensures feedback within 5 days, so you can move quickly when opportunities arise.
FAQ
Frequently Asked Questions
Find answers to common questions about our commercial finance solutions, application requirements and approval process.
General & Application
We like to keep things simple and business focused. Because we specialize in commercial finance, we exclusively fund juristic entities. To apply, your business must be a registered South African company, close corporation, or trust that has been trading for more than 12 months. We will also need your latest Annual Financial Statements (or Management Accounts not older than 12 months) and your most recent 6 months’ bank statements.
No. At Cape Finance, we specialise exclusively in secured lending. All our facilities are backed by either movable commercial assets (trucks, trailers, yellow metal), property, or your debtor invoices. By securing our facilities, we can offer flexible, accessible funding solutions to businesses that might otherwise struggle to secure capital through traditional banking channels.
Because no two businesses are the same, we do not use a one-size-fits-all approach. As a specialized asset financier, our focus is on making deals happen. Your rate is tailored based on the specific risk profile of the transaction, the strength of your financials, and the asset provided as security. Our primary goal is to provide you with the rapid liquidity you need to seize opportunities and generate a business return that far outweighs the cost of funding.
Absolutely. We are here to facilitate your business growth. You are welcome to settle your facility early. Simply request a settlement figure, and our team will provide a clear, transparent quote in accordance with the terms of your commercial facility agreement.