Machinery
Suitable examples include industrial machinery, manufacturing equipment, and processing and packaging machines.
Asset finance for established businesses
Acquire the assets that move your business forward.
Finance income-generating equipment, technology and business assets without using the working capital you need to operate and grow.
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Initial assessment does not guarantee approval.
From R50 000
Minimum asset purchase
3–5 years
Typical repayment period
R2m+
Annual business turnover
South Africa
Nationwide business funding
Could your business qualify?
Check the starting indicators before completing the assessment.
Productive assets, preserved cash flow
Put the equipment to work while your capital stays available.
3–5
year terms
Machinery
Trucks
Solar
Office setup
Fund the asset, protect the business
Use the asset now.
Pay over time.
Asset finance helps established South African businesses purchase income-generating equipment or assets that reduce operating costs. Premier Finance assesses your application and, where it meets the minimum criteria, submits it to its asset-finance funding network.
01
Preserve working capital
Avoid tying up cash in a large upfront purchase. Keep liquidity available for stock, payroll and day-to-day operations.
02
Match repayments to useful life
Structure the acquisition over an appropriate term, subject to the asset, affordability and the approved offer.
03
Access a broader funding network
Complete one application while Premier Finance submits qualifying opportunities to its asset-finance funding network.
Assets for every kind of business
What can asset finance help you acquire?
Finance productive assets across six broad categories, with structures suited to the asset and your operation.
Business equipment
Suitable examples include engineering, catering, hairdressing and beauty, and sports and leisure equipment.
Office automation & software
Suitable examples include office automation, IT equipment and business software.
Shop fitting & furniture
Suitable examples include office furniture, shop fittings, fixtures, reception furniture and storage systems.
Solar
Finance commercial solar systems and related energy equipment that support operational resilience.
Specialist & infrastructure assets
Suitable examples include medical equipment, CCTV, scaffolding, construction equipment, and waste and recycling equipment.
A clear path to the asset
From application
to productive use.
Your application, supporting documents and proposed asset are assessed before documents are signed and the supplier is paid.
1
Apply online
Complete the application and provide your asset quote and bank statements. For purchases over R80 000, also provide financial statements and current management accounts.
2
Get assessed
If your business meets the minimum criteria, we submit the application to our asset-finance funding network for assessment and an offer.
3
Sign documents
Once approved, the final structure, costs and finance documents are presented for acceptance.
4
Take delivery
The chosen supplier is paid in line with the approved transaction, and the asset can go to work.
Important:
timelines depend on document completeness, the asset, supplier
information and the full credit process.
Start the assessment →
Know where you stand
The essentials, upfront.
These are the current minimum indicators for an asset-finance application.
✓
Registered South African business
The applicant must be a formally registered business with verifiable company and director information.
✓
Trading for 3 years or more
An established operating history helps assess stability, affordability and repayment capacity.
✓
R2 million+ annual turnover
Turnover should be supported by current financial information and business bank activity.
✓
No adverse director listings
Directors should have clear credit profiles, subject to the complete credit assessment.
Meeting these indicators does not guarantee approval. The approved
amount, term, deposit, pricing and structure depend on the business,
asset, affordability and full assessment.
“The right asset should strengthen cash flow—not consume it.”
Asset finance lets an established business put productive equipment into operation while spreading the cost across an approved term.
01
A well-chosen asset can increase output, reduce operating costs and protect working capital at the same time.
Straight answers
Before you apply.
Understand the purpose, process and starting requirements before submitting an asset-finance enquiry.
What can I finance? +
Asset finance may be used for income-generating or cost-saving business assets, including machinery, equipment, office automation, software, shop fitting, furniture, solar and specialist assets.
How much can I apply for? +
We can assist with asset purchases from R50 000. The final approved amount depends on the asset, your business’s affordability and the approved offer.
How long is the repayment period? +
Repayment periods are generally structured over 3 to 5 years. Your final term will depend on the type and value of the asset, your business’s affordability and the approved offer.
Can existing equipment be refinanced? +
Refinancing may be possible for qualifying high-value business assets, allowing capital tied up in equipment to be released. This is assessed case by case.
What information will I need? +
Complete the online application and provide an asset quotation and recent business bank statements. For asset purchases over R80 000, you will also need financial statements and current management accounts.
Equip the next stage
Find out how you could fund your next asset.
Complete the form with your business and asset requirement. Premier Finance will contact you to discuss fit, documents and next steps.
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Guided assessment
✓
Secure online application
✓
Clear next steps