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Gain access to a partner that has your back
Need a partner that understands the ins and outs of your business and can wisely back you? Let’s talk about how we can grow your business sustainably and responsibly.
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Forex
Access Financial Flexibility When You Need It
Maintaining healthy levels of working capital—the difference between your company’s current assets and liabilities—is essential for the smooth operation and growth of your business. Working capital provides the financial flexibility to cover day-to-day expenses, meet obligations, and seize new opportunities, such as hiring more employees, launching new products, or expanding into new markets.
Access Bank’s Working Capital Solutions
At Access Bank, we understand that every business has unique financial needs. That’s why we offer a range of working capital finance options designed to provide you with the flexibility and support necessary to keep your business moving forward:
- Overdrafts: Tailored to your business needs, our overdraft facilities provide you with additional funds when you need them most, without the pressure of minimum monthly repayments. Interest is only charged on the amount you use, calculated daily and billed monthly.
- Working Capital Loans: Structured to meet your specific requirements, these loans help ensure you have the cash flow necessary for day-to-day operations.
- Invoice Finance: Unlock the value of your outstanding invoices to improve cash flow.
Why choose Access Bank?
With Access Bank, you’re not just getting finance; you’re gaining a partner who understands your business. We offer personalised assessments to determine the best financial solutions for your needs, ensuring that you only pay interest on what you use. Talk to your relationship manager today to explore how we can help you maintain sufficient working capital and keep your business thriving.
Access the capital you need with our flexible financing solution
A commercial loan is a medium-term working capital facility used to finance your immediate working capital needs.
With a maximum repayment period of 60 months, instalments are payable monthly in arrears. Calculated daily and charged monthly, interest rates are linked to our prime lending rate and dependent on your personal assessment.
Talk to your relationship manager about what you need to access a commercial loan and let’s give your business every possibility it deserves.
Access space to grow
Whether you’re acquiring a property in an agricultural, retail, commercial or industrial space; or you’re extending, altering or refinancing your current property, we have the market-leading expertise to see you make the right decision – square metre by square metre.
Access a space for growth:
- A medium and long-term repayment programme for revenue-generating or owner-occupied properties
- Individually structured repayment plans
- Finance and an overdraft to meet your short-term working capital requirements and support awaiting rentals
The complete cost of a property acquisition
It’s important to be aware of the holistic costs involved in any property acquisition, both residential and commercial.
Deposit
If your business only qualifies for a percentage of the required loan, you’ll need to provide a deposit. Interest may be earned on the deposit (if it is kept by an attorney in a trust) until the property is transferred into your name. A deposit is equity that you introduce and this amount is stated in the Offer to Purchase.
Transfer Fees
Transfer fees include “transfer duty” payable to the receiver of revenue, as well as a “deeds office fee” and “administrative fee” payable to the transferring attorney. Be aware that transfer duty is not to be paid if the transaction involves a VAT registered party. But the deeds and admin fee are payable on a VAT transaction.
Property Registration Costs
This fee is payable by you (the purchaser of a property) to a conveyancer (also called a transferring attorney) attending to the registration of a bond over the property in favour of the bank. This fee consists of stamp duty and VAT (as prescribed by law), registration costs (also called conveyancing fees) payable to the transferring (conveyancing) attorney for services rendered as well as bond costs payable to the Deeds Office for the registration of the bond amount.
Valuation Assessment Fee
A bank appointed panel of assessors carries out a valuation and this fee is charged by and is payable to the assessor.
Residential Property Finance
Access an open door to a new chapter
Whether you’re financing your own property, investing in one or leveraging a property as collateral, we take the time to understand the important role that residential property finance plays in your life and your business’s. Your experienced relationship manager, with our credit team, will structure a deal according to your needs, walking you into your next opportunity.
Access a space for growth:
- A finance facility
- A twenty-year mortgage period (or shorter, if you choose)
- Highly competitive interest rates calculated daily and charged monthly
Unlock cash flow from your outstanding invoices
Access Bank’s Invoice Discounting gives you early access to cash from valid customer invoices, without waiting for payment terms to expire. We advance up to 80% of your invoice value, providing immediate working capital for stock, overheads, or new opportunities.
Our solution is tailored to your business, with facilities structured around the strength of your debtor book and industry dynamics, not just your balance sheet.
Key features:
- Advances up to 80% of invoice value
- Flexible funding aligned with sales volumes
- Streamlined digital submission process
- Tailored to your debtor book strength
Download our comprehensive Invoice Discounting guide to understand the full process, benefits, and costs.