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Property Finance

Funding against the security of unbonded fixed property (Secured Loan)

This is for a business with a temporary cash-flow shortage. A Secured Loan from CapX allows access to the equity, surplus or profit locked up in fixed property quickly. This may provide a cash injection into your business, allow you to expand your business or to pursue a new business venture.

  • The property must be unbonded;
  • The property must be worth at least R 625 000;
  • The lender must be a business entity, such as a company, close corporation, trust, or partnership;
  • The loan period varies from between 6 – 12 months
  • The loan amount varies from R 250 000 to R10 million.

What is a secured business loan?

A secured business loan is a loan to a business which is secured by a mortgage bond over a property.

What is a secured business loan against your house? How does it work?

A secured business loan is a loan to a business (not an individual) where your house is used as security for the loan. CapX will register a bond over your property to secure the loan. The loan can be used to fund a cash injection for your business.

What are secured business loans in SA?

CapX offers business loans against paid up properties in SA, as well as in Namibia. If you own a fully, or nearly fully paid up property in SA or Namibia, CapX can offer a loan to your business for up to 40% of the value of the property. This loan can be used to purchase stock, expand the business or solve cash flow problems.

What is an asset backed business loan?

An asset backed loan is a loan secured by your assets. CapX can use your bond free property (asset) as security, by registering a bond over the property. This loan is only applicable to business entities. It can be used for various purposes to keep your business afloat in difficult economic times.

How does asset backed business finance work? What are the requirements?

Should you need funds for your business for whatever reason and the conventional bank loans do not apply to your situation, CapX can assist if you own an unbonded property. Only business entities may apply, we unfortunately cannot lend to individuals. If the value of your property is more than R650 000, your business can apply for a loan for up to 40% of the value of the property. This offers you the option of not having to sell your most prized asset in order to save your business.

How does asset back business loans work in SA?

If your business is in need of funds and you have exhausted all your options, CapX can use a paid up property to offer you a loan in order to assist your business. CapX will register a bond over the property and within 12 months, once the loan is repaid, the bond will be cancelled in order for you to have a bond free property again. It is a medium term solution in order to keep your business going in difficult times. Interest will be paid monthly and an acceptable exit strategy will settle the capital at the end of the loan term.

How do I go about obtaining an asset backed security loan, what exactly does this entail?

CapX looks for an asset in the form of a paid up property to offer you a secured loan. If you own a bond free property valued at more than R650 000, we can assist with a loan to your business. A bond will be registered over your property to the value of the loan. The property stays registered in your name. The loan period is from 6 months to 12 months. Should you prefer to settle the loan after 6 months, you are free to do so without any penalties. This is an easy way to keep your business “in business” without having to sell your property.

How can being a title deed holder help my business?

If your business is faltering due to cash flow problems and you have tried unsuccessfully to get assistance from other financial institutions, CapX might be able to assist you if you are a title deed holder to a property. We use your paid up property as security by registering a mortgage bond over the property. This will free up some cash to get your business profitable again.

How can my business benefit if I hold a title deed to a property?

Is your business in trouble, your funds depleted and the only option is to sell your property? Hold on! CapX can come to your assistance. We use your property as security for a loan to your business by registering a bond over the property. It is a short term solution to keep your business going until you are back on your feet again.

How can I use my property to help my business?

If you need to stock up your products or experience temporary cash flow problems in your business and you have tried unsuccessfully to obtain funds, your bond free property can come to the rescue. CapX can offer you a loan against the value of your property. A first bond in our favour is registered over your property. This loan offers you the opportunity to fund your business.

How can I obtain a loan for my business against property in SA?

Are you finding it almost impossible to get a loan for your business, because you don’t have a regular income? Your paid up property can be the solution to this problem. CapX will find a tailor made solution by using your property to free up funds for your business.

How can I use my paid up property to secure funds for my business?

Your paid up property can serve as security for a loan to your business. CapX will fund your business by registering a first bond over your property and once the loan is settled, the bond will be cancelled.

How can my business benefit if I am a property owner?

If you are a property owner and your property is paid up, we can use the property as security for a business loan. A loan for up to 40% of the value of your property will be considered, allowing you to expand, buy products, machinery or help you out with cash flow problems. This is an easy solution to prevent your business coming to a standstill in cash strapped situations.

How can my property serve as collateral for a loan to my business?

By using your paid up property as collateral, CapX can offer you a loan to assist your business. A bond will be registered over the property in our favour and release funds to your business. It is a short term solution to your business, without having to sell your property.

My business needs funds due to cash flow problems. Can collateral on my property be used for a loan?

Yes indeed. CapX will consider lending you money against the security of your bond free property by registering a bond over the property as security. If  you are expecting funds in the near future in any form e.g. a contract payment, sale of your property, policy pay out, etc., but need the funds sooner, this is the ideal solution to your problem.

How can I use my house to secure a loan for my business?

Owning a fully paid up house can come to your rescue if your business needs a cash injection. Most of our clients find it almost impossible to get loans for their businesses, often causing businesses to close down due to cash flow problems. CapX might have the solution to your problem by offering your business a loan. We secure a loan against your property in order to fund your business.

I find it difficult to obtain a loan for my business in SA. What is the solution to my problem?

South African business owners often find it difficult to get loans for their businesses. The reason being that the business might still be fairly new, or there is not a regular income, or perhaps the business is not showing a profit yet, or there is an overdue account or a small judgement against the owner or the business. CapX is willing to assist by using the security of a property over which a bond will be registered in order to help business owners in SA.

What is a medium term business loan?

A medium term business loan is ideal for a business which is expecting funds in the near future, but is in need of the funds earlier. For instance, a property is in the market, but no offers have been received yet. The business is in dire need for funds and cannot wait until the property is sold. Another example: Expecting funds from a contract or tender, but there is no current funds to start on this project. CapX can use your paid up property to secure a loan for your business for a term of 12 months.

I need a loan for a short period of time to help me with cash flow for my business. How can you assist?

Are you expecting incoming payments for your business, but not soon enough to keep your business afloat? Should you own a bond free property, CapX can assist you. We use the collateral from your property to lend you money for your business.  When you receive the expected funds, the loan can be repaid.

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