Who qualifies for asset finance?
- Asset quote
- 12+ months trading
- Deposit (often 10–20%)
South Africa
Asset Finance for SA SMEs — apply once, compare lenders.
Acquire productive assets without tying up working capital. Asset secures the facility.
No credit pull Instant score One application, many funders
At a glance
Amount
R100,000 – R10m
Turnaround
5–10 days
Best for
Logistics, manufacturing, construction
- Preserve working capital
- Fund vehicles, equipment, plant or IT
- Terms aligned to asset useful life
- VAT and tax-efficient structures available
What you'll need to apply
Supplier quote
Financial statements
Bank statements
Upload once on Funder — every matched lender sees the same pack.
How it works
Getting asset finance on Funder
- Step 01
Check your fundability
Answer a few questions and get an instant readiness score — no credit pull.
- Step 02
Get matched to lenders
We rank lenders by approval odds, cost and turnaround for your profile.
- Step 03
Submit one application
Upload documents once. Multiple lenders review in parallel.
- Step 04
Compare offers & accept
Review terms side-by-side and accept the best fit.
Lenders
See all lenders Asset Finance lenders we work with
No upfront fees
Funder is free for SMEs. Lenders pay us when you get funded.
Built for SA realities
B-BBEE, SARS tax compliance, CIPC and VAT logic baked in.
One application, many lenders
Stop re-submitting the same docs to every funder.
FAQ
Asset Finance in South Africa — questions answered
What deposit is required for asset finance?
Typically 10–20% of the asset cost. Lower deposits are possible with strong financials or for high-resale-value assets.
Can I finance used equipment?
Yes — most asset financiers will fund certified used vehicles and equipment, usually up to a maximum age (often 7–10 years at end of term).
Do you offer instalment sale and leases?
Yes. We surface both instalment sale agreements (own at end) and full-payout/operating leases — whichever suits your tax and cash position.
Explore asset finance by segment
Tailored pages for industry and revenue band.
Ready to see what you qualify for?
Get your free Fundability Score, see your matched asset finance offers, and apply once.