We pride ourselves on working closely with our customers to find solutions for their funding needs through innovative and strategic thinking. We offer a simple solution to access short-term secured funding, where liquidity is required in the fastest possible time. We offer facilities from R1,000,000 up to R10,000,000 with terms from as short as 6 months right up to 10 years. We offer one of the fastest application-to-loan turnaround times, with an average of 5 working days to conclude.
Our business loans range between R1m and R10million per deal. It all depends on how much you need to make the most of current opportunities, grow your business and fund the future you deserve.
We offer customised payment structures and terms to suit your business’s needs and cash flow with interest-only loans, partial capital payments or, alternatively, a residual at the end of the loan period.
We have worked with businesses on 4 continents including 10 African countries. With over 100 years of combined industry experience, we know what it takes to support you in reaching your goals.
You need additional cash flow to buy stock, equipment, raw materials or fund growth.
You have available property, fixed or immovable assets which are not financed.
Your business has a minimum annual turnover of R2 000,000 and has been actively trading for at least one year.
You’re looking for speed, creative solutions and personal service.
Your business is a registered South African company, close corporation or you are a sole proprietor who is VAT registered.
We say go for it. When taking out a business loan and you would like to settle early, no penalties will be charged.
We will require your latest management accounts and at least one full year of annual financials.
We are happy to assist you with between R1 million and R10 million.
Your profile is safe with us. When you link your bank account during the application process, neither our service provider nor Geddes Capital have permission to perform any payments, transfers or other transactions using your information. We will see your transactions as read-only. Geddes Capital uses your financial data for the sole purpose of assessing whether you qualify for business finance.
Our approach to funding is future-focused, and our process is fast and creative with transparent costing. We offer payments that suit your business’s cash flow needs and are happy to work with you to structure something customised for you.
When applying for a business loan, we prefer using our digital link, you can upload your latest 3 month’s formal bank statements in PDF format. Normally, these can be downloaded for free from your online banking platform. Please be advised that scanned copies are unsuitable as we will not be able to extract the data automatically. This will likely result in the approval process taking longer.
Although we are super flexible, we do have some base requirements. Your business must have a minimum annual turnover of R2 000,000, and your business must have been actively trading for at least one year.
No, we only offer funding to registered South African companies, close corporations and sole proprietors who are VAT registered.
Absolutely, we will consider future income and projections. Give us a buzz and we can talk you through it. We always strive to see potential, not problems.
We do not normally fund start-ups, however, we will look at your future projections and the type of security you can offer and make a decision based on that. That’s because we consider each application for a business loan in its own right, taking into account the company’s growth trajectory.
Yes, all information submitted is treated confidentially and will only be used by the Geddes Capital team to assess your application and funding needs.
Good question. Yes, we are registered with the NCR and are an authorised financial service provider.
Sure, we are always happy to meet our customers in person. We do however suggest you fill in the details online first or give us a buzz on 021 3000211.
The initial online application takes less than 2 minutes to complete. We know everyone hates filling out forms, so feel free to give us a call on 021 300 0211 and let us know if you need help or want clarity.
Yes, in fact, we only offer secured funding.
It all depends on you. No pressure! Provided we have all the necessary information, approval can be given within 24 hours.
Adverse listings and judgements are always a challenge. We are happy to consider each one on a case by case basis. It might be worth calling us to discuss this directly.
We can make payment in as little as 48 hours, provided we have all the relevant documents and information.
Most of our agreements are signed digitally. Should there be any documentation that you need to sign in person, our legal team will arrange to meet you at a convenient place and time.
Because we don’t believe in a cookie-cutter approach to funding, we like to be flexible to suit our clients’ needs. We typically prefer a minimum funding period of 3 months but we are happy to fund you for up to 36 months or longer.
You can contact our support team at email@example.com
We can offer interest-only loans as well as adjust your payments to suit your business’s cash flow. We strive to look for new ways around anything that stands between our clients and their business success.
VAT registration isn’t a necessity. We will however need a statement of account from SARS.