Commercial Asset Finance

We speak the language of your business and can offer you the most suitable asset finance solution for your business needs. Whether you operate in the medium, large or corporate segment, we will work hand-in-hand with you to put an effective funding solution in place.

We don’t believe in the one-size-fits-all-approach as no two businesses are the same. Our skilled specialists are experts in a variety of sectors and will tailor-make a solution to fit your business.

Instalment Sale Agreement

An Instalment Sale Agreement (ISA) is a transaction where an asset is sold to you by us over a negotiated time frame. Ownership passes to you once the agreement has been fully repaid.


We purchase the asset and you lease the asset from Absa. This allows your business uninterrupted use of the asset, rather than ownership. At the end of the term you can either acquire ownership or return the asset to us.

Operating lease

Also known as Rental Agreements, Operating Lease (Rental) Agreements allow your business uninterrupted use of the asset rather than ownership of it. This type of agreement is beneficial where you require off-balance sheet financing.

Sale and leaseback agreements

Similar to Purchase and Repurchase Agreements, this is an arrangement where the client sells the asset to the Bank, and then acquires it from the Bank by way of a financial/operating lease or instalment sale agreement.

We also offer Islamic finance, credit lines, aircraft finance and marine finance in addition to value-added risk mitigation products like credit shortfall, loss of use cover, credit protection cover, deposit protector and mechanical breakdown warranties.

Did You Know?
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Our services include:
  • Rentals
  • Financial lease agreements
  • Instalment sale agreements
  • Credit lines
  • Access deposit finance
  • Sale and Leaseback Agreements
  • Black Economic Empowerment asset financing
  • Interim agreements
  • Non-standard finance for aircraft or marine asset finance
  • Value-added products and services to mitigate risk in your business
  • Specialised trade and cargo management

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