To succeed in business and realize your business objectives, you need a competitive edge and a specialist financial institution that will commit to your vision. Sanlam provides the best personalised finance solutions to meet your needs.
We can assist you with the following options:
Business finance:
Personal finance:
Click here for a detailed business finance brochure.
| Working capital finance |
| Type: Requirements: -
Describe the product or service you intend to produce/market. -
Describe your practical experience in respect of the business. -
Projected cash flow statement for next 12 months. -
Financial statements of the last financial year (if an existing business). -
Interim financial statements or management accounts since your last financial statement. (Not older than 3 months – if an existing business.) Contact us for further enquiries or contact Sanlam Business Financing Services: 0860 100 539. |
| Black Economic Empowerment (BEE): Management buy-in finance |
| Requirements: -
If you are buying an existing business, provide a brief history or background of the business. -
Describe your practical experience in respect of the business. -
Projected cash flow statement for next 12 months. -
Financial statements of the last financial year. -
Interim financial statements or management accounts since your last financial statement. (Not older than 3 months.) -
Offer to Purchase (if applicable). (Subject to approval of finance.) Contact us for further enquiries or contact Sanlam Business Financing Services: 0860 100 539. |
| Equipment finance |
| Type: Requirements: -
Describe the product or service you intend to produce/market. -
Describe your practical experience in respect of the business. -
Projected cash flow statement for next 12 months. -
Financial statements of the last financial year (if an existing business). -
Interim financial statements or management accounts since your last financial statement. (Not older than 3 months - if an existing business.) -
Quotations of equipment that must be financed (if applicable). Contact us for further enquiries or contact Sanlam Business Financing Services: 0860 100 539. |
| Property finance |
| Type: -
Owner Occupied Properties. -
Multi-Tenanted Properties. -
Tenant wanting to purchase property currently renting. -
Residential Development. -
Established developers. Requirements: -
Financial statements of the last financial year. -
Interim financial statements or management accounts since your last financial statement. (Not older than 3 months) -
Plans and tenders of the building that must be erected (if applicable). -
Purchase contracts (if applicable). (Subject to approval of finance.) Contact us for further enquiries or contact Sanlam Business Financing Services: 0860 100 539. |
| Franchise finance |
| Type: Requirements: -
Describe the product or service you intend to produce/market. -
If you are buying an existing business, provide a brief history or background of the business. -
Projected cash flow statement for next 12 months. -
Financial statements of the last financial year (if an existing business). -
Interim financial statements or management accounts since your last financial statement. (Not older than 3 months - if an existing business.) -
Copy of franchise agreement. Contact us for further enquiries or contact Sanlam Business Financing Services: 0860 100 539. |
| Business acquisition finance |
| Type: Requirements: -
Provide a brief history or background of the business. -
Projected cash flow statement for next 12 months. -
Financial statements of the last financial year. -
Interim financial statements or management accounts since your last financial statement. (Not older than 3 months.) -
Offer to Purchase (if applicable). (Subject to approval of finance.) Contact us for further enquiries or contact Sanlam Business Financing Services: 0860 100 539. |
| Contract/Guarantee finance |
| Type: -
Construction Guarantees. -
Maintenance Guarantees. -
Other. Requirements: Contact us for further enquiries or contact Sanlam Business Financing Services: 0860 100 539. |
| Finance of debtors (also known as Trade Finance or Debtor Factoring) |
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Why Trade Finance?
- Solve cash flow shortages caused by rapid growth
- Accept the extended payment terms offered by large clients
- Convert credit sales into cash
- Raise funding without having to increase shareholder contributions
- Early settlement discounts from suppliers
Who can apply?
- Any business that sells to large reputable local or foreign clients and receives payment on extended terms.
- Any business that provides a service to large reputable local or foreign clients and receives payment on extended terms.
When can you finance?
- In the case of product sales as soon as delivery or shipment has occurred according to the sales agreement
- In the case of services as soon as the service has been rendered successfully according to the service agreement
Contact us for further enquiries or contact Sanlam Business Financing Services: 0860 100 539. |
| Personal loans |
| Overcome your cash flow problems
We all experience those times in which you urgently need cash – for unexpected accounts, a medical or when you decide that dream holiday cannot wait any longer.
You can even consolidate your retail accounts or credit cards and improve your cash flow; pay off outstanding balances completely, choose a longer repayment period, and you could have a single, more manageable monthly payment.
Sanlam Personal Loans now gives you the opportunity to take out a short-term personal loan to overcome these kind of crises. And the best of all is that there is virtually no paperwork involved – the entire process can be completed over the phone.
Contact us at 0861 08 08 88. |
| Home loans |
| Whether you already have a mortgage bond registered with another financial institution or whether you need a new home loan, with Sanlam Cobalt for Business Owners you take care of your home loan needs and optimise your monthly cash flow through: -
lower interest rates – with concessions of up to 2 percentage points (could vary) -
using the value of your house to raise cash, consolidate debt or buy a new home -
getting qualified financial advice on how your home loan can complement your financial planning. Don't delay – get professional help and use the equity locked up in your property to improve your overall financial standing. Get help here. |
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