Business & Personal Financing
We offer structured loan and financing solutions that empower businesses and individuals to thrive. From SME loans and lease financing to quick payday loans and traders’ financing, our customized lending options provide the capital you need to scale, grow, and succeed.
SME Corporate
SME (Small and Medium Enterprises) corporate loans are specifically designed for small and medium-sized businesses that need capital to expand, invest in assets, or improve operations. These loans are typically more flexible than traditional bank loans and may offer lower interest rates and longer repayment periods. SME corporate loans can be used for various business needs, including working capital, machinery, equipment purchase, or business expansion. They may require collateral or a personal guarantee from the business owner.
Ideal For:
- Customized for small and medium-sized businesses
- Can be used for working capital, asset purchases, or business expansion
- Flexible repayment options
- Competitive interest rates based on the business’s credit profile
- Collateral or personal guarantee may be required
- Small and medium-sized businesses looking for capital to grow or stabilize
- Entrepreneurs seeking financing for expansion, new projects, or business development
Finance Lease
A finance lease is a type of lease agreement that allows businesses or individuals to use an asset (such as machinery, vehicles, or equipment) for a specified period while making regular payments. At the end of the lease term, the lessee often has the option to purchase the asset at a predetermined price. Finance leases are commonly used by businesses to acquire expensive assets without having to pay the full purchase price upfront, thus freeing up capital for other investments.
Ideal For:
- Allows for the use of an asset without the full upfront cost
- The asset is leased for a specified period, with the option to purchase it at the end of the lease
- Regular payments over the lease term
- Typically involves long-term agreements
- Ideal for acquiring expensive equipment or vehicles without taking out a traditional loan
- Businesses that need expensive assets but want to preserve capital for other uses
- Companies that wish to keep equipment or vehicles up-to-date with regular lease renewals
- Individuals or businesses looking for flexible options for asset acquisition
Payday Loan
A payday loan is a short-term loan designed to provide individuals with quick access to funds before their next paycheck. This type of loan is typically used to cover unexpected expenses, such as medical bills, car repairs, or utility bills. Payday loans are usually unsecured, meaning no collateral is required, and they are intended to be paid back in full on the borrower’s next payday. However, payday loans can carry higher interest rates due to their short-term nature and unsecured status.
Ideal For:
- Quick and easy access to cash
- Short repayment period (usually within 30 days)
- Unsecured, meaning no collateral required
- Simple application process, often with minimal documentation
- Can be more expensive due to higher interest rates and fees
- Individuals facing urgent financial needs between pay periods
- People who may not have access to other forms of credit or loans
Traders' Finance
Traders' finance refers to loans specifically tailored to meet the financial needs of individuals or businesses involved in trading goods or services. This type of financing is typically used by traders to manage their working capital, purchase inventory, and meet other operational costs. Traders' finance is essential for businesses that deal with high turnover inventory or seasonal fluctuations in sales. These loans can be secured or unsecured, depending on the terms agreed upon.
Ideal For:
- Custom-tailored for businesses engaged in trading
- Helps manage cash flow, inventory purchases, and operational expenses
- Flexible repayment terms based on the business’s trading cycle
- Can be short-term or medium-term financing
- Often requires proof of trading history and financial stability
- Small or medium-sized businesses involved in retail, wholesale, or other forms of trade
- Traders who need immediate capital for inventory or stock replenishment