Whether you are starting or growing your business, we have start-up and operational finance facilities for businesses with repayment ability.

 Flexible  terms

Option to repay your loan on a monthly, bi-monthly, quarterly or annual basis.


Borrow any sum between R50 000 and R15 million. Repayment terms of up to 5 years.

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Insufficient collateral or security?
We can help.

  • Minimum qualifying criteria

    All applications will be subject to a full credit assessment. Below is a guideline of the minimum criteria to be assessed (NB: not a comprehensive list. Each application will be assessed based on its own merit):

    • The business must be conducted for profit reasons.
    • The business must provide proof of future revenue and loan repayment ability.
    • If the business is not new, historic financial performance will be assessed.
    • The business must be registered in South Africa.
    • The applicant must be a South African citizen.
    • The business must be at least 51% black-owned.
    • The applicant must have industry skills and expertise.
    • A viable business plan must be available (or a business profile for purchase order finance and must be provided).
    • If the business transaction account is not held with Absa Bank, it will be a condition that it must be moved to Absa.
    • At least one of the business owners must exercise management control of the business on a day-to-day basis.


  • Features

    • Loans from R50 000 to R15 million.
    • Repayment terms from 12 months to 5 years.
    • Flexi reserve facility to keep additional funds in excess of the instalment.
    • Repayment options to consider:
      • Automatic capitalisation facility repayments
      • Payment escalation
      • Balloon payment
    •  Products: 
      • Term Loans, Commercial Vehicle and Asset Finance and Overdrafts
  • Exclusions - businesses that cannot apply for these facilities

    • Businesses or directors of those businesses who have their own collateral or security.
    • Businesses where the main production or trade is in:
      • Weapons and/or ammunition
      • Tobacco
      • Alcohol
    • Gambling outlets, casinos and any similar enterprises.
    • Any business relating to pornography or prostitution.

Contact details

Let one of our consultants assist you.

If you're an existing customer, contact your enterprise banker.

Not yet with Absa? Call us on:

0860 040 302