Our Women Empowerment Finance facility is suitable for new and existing woman-owned businesses. If your business has a revenue stream and positive cashflow but lacks a deposit, collateral or security, you can qualify for a loan of up to R5 million.

 Flexible  terms

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


Borrow any sum between R150 000 and R5 million. Repayment terms of up to 10 years.

hand with coins

No deposit, collateral or security?
We can help.

  • Minimum qualifying criteria


    • Business must be conducted for profit and must show evidence of future revenue and repayment ability
    • The applicant must be a South African citizen and the business must be registered in South Africa
    • Business must be at least 51% owned and controlled by women
    • The applicant must have industry skills and expertise
    • Must have a viable business plan (or a business profile for purchase order finance must be provided)
    • If you don’t hold a business transactional account with us, it will be a condition that it must be moved to Absa
    • At least one of the owners must exercise management control of the business on a day-to-day basis


  • Features

    • Loans from R150 000 to R5 million
    • Repayment terms from 12 months to 10 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
  • Exclusions

    • Businesses or directors 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