Open the next location
Fund premises, fit-out and launch costs while keeping operating cash available.
Secured business funding
Use business strength to unlock larger funding.
Access R1 million to R20 million for expansion, equipment, working capital or refinancing—structured around your business and available security.
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Initial assessment takes 3–5 minutes and does not guarantee
approval.
R1m–R20m
Structured funding range
Secured
Backed by acceptable assets
Tailored terms
Matched to affordability
Established SMEs
For proven trading businesses
Could your business qualify?
Check the starting indicators before completing the assessment.
Funding for established businesses
Built for bigger decisions backed by real business value.
R20m
Structured around security and affordability
Secured funding pathway
Security-led assessment
Property security
Property or land considered
Business assets
Acceptable assets assessed
Structured capital
Facility matched to affordability
A more considered way to fund
Your assets have value.
Put it to work.
A secured business loan can unlock a larger, more structured funding solution by using acceptable property or business assets as security. It is designed for established South African businesses with proven turnover and a clear commercial use for capital.
01
Access meaningful capital
Fund a substantial project, acquisition or expansion without forcing the opportunity into a small short-term facility.
02
Structure repayments around the business
Funding terms are considered against affordability, cash flow and the value of acceptable security.
03
Compare suitable secured routes
Premier Finance helps position the application and identify an appropriate funding solution from its lending network.
Funding with a job to do
What could the right funding unlock?
Secured business finance works best when the capital supports a measurable commercial outcome.
Add productive capacity
Acquire machinery, vehicles or systems that improve output and unlock new revenue.
Move on an opportunity
Finance a strategic business or asset purchase when timing and certainty matter.
Fund the growth cycle
Cover stock, suppliers and delivery costs behind larger confirmed work.
Simplify existing debt
Restructure qualifying obligations into a solution better aligned with business cash flow.
Invest in business premises
Support the purchase, improvement or productive use of commercial property.
Simple, not simplistic
One guided process.
Three clear steps.
A secured application requires more detail than a short-term loan. We keep the process focused and explain what is needed at each stage.
1
Tell us what you need
Share the funding purpose, amount, business performance and the security potentially available.
2
Complete the assessment
Financial information, affordability and the proposed security are reviewed to identify suitable funding routes.
3
Review terms and proceed
Consider the approved structure, costs and conditions before accepting and completing the security process.
Important:
Timing depends on document completeness, credit assessment,
security valuation and legal requirements.
Read the FAQs →
Know where you stand
The essentials, upfront.
These are common starting indicators for a secured business loan application.
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Established trading history
A proven operating track record supported by current financial information.
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R2 million+ annual turnover
Consistent business revenue visible in financial statements and bank activity.
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Demonstrated affordability
Cash flow must support the proposed repayments without placing operations under strain.
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Acceptable security available
Suitable property, land, machinery, cryptocurrency, stock or commercial lease agreements may be considered, depending on the lender and subject to assessment and approval.
Meeting the initial indicators does not guarantee approval. The
final loan amount, pricing, term and security requirements depend
on the full assessment, supporting documents, affordability, asset
value and the lender’s credit criteria.
“The right security should support the opportunity—not slow the business down.”
A well-structured secured loan turns value already built in the business into capital for the next commercially sound move.
01
Clear funding structure can replace several short-term compromises with a plan matched to the business.
Straight answers
Before you apply.
Understand the security, documents and process before starting an application.
What can be used as security? +
Depending on the lender and the application, acceptable security may include property, land, machinery, cryptocurrency, stock or commercial lease agreements. Each lender applies its own criteria, and all proposed security remains subject to assessment, valuation and approval.
How much can my business apply for? +
The indicative product range is R1 million to R20 million. The approved amount depends on affordability, the funding purpose, available security and the lender’s full assessment.
What can the funding be used for? +
Typical uses include expansion, equipment, acquisitions, property-related projects, working capital and the refinancing of qualifying business debt.
What documents are required? +
Expect to provide CIPC documents, recent annual financial statements, current management accounts, business bank statements, director information, details of existing debt and documents relating to the proposed security.
How long does approval take? +
Timing varies because secured funding can require a valuation, legal work and registration of security. A complete, well-prepared application helps avoid unnecessary delays.
Will applying affect my credit profile? +
An initial conversation may not require a formal credit enquiry. A full application will generally involve business and director credit checks, with the relevant consent obtained during the process.
Move with clarity
Find out what your business could access.
Complete the initial assessment and receive clear feedback on whether a secured business loan may suit your funding need.
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No obligation
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Guided assessment
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Clear next steps