Bank credit decisions are automated against standardised criteria. When your situation doesn't fit the template, the answer is no — regardless of whether the business is actually good.
Trading history less than 2 years
We assess the actual business, not just the trading period. Strong operators with a short history are a different proposition from a startup with no track record.
Seasonal or irregular cash flow
We structure repayment around your actual revenue cycle — not a bank's monthly template. Seasonal businesses, project-based contractors, and agricultural operators are our core clients.
Existing credit impairments
We look at the full picture. An impairment from three years ago doesn't define your business today. We assess current performance and deal structure.
Asset type not on the bank's approved list
Banks finance a limited range of asset types. We cover nine sectors — from yellow metal to medical equipment to ITC infrastructure.
Deal structure too complex
Complex structures are our specialty. When the deal doesn't fit a template, that's when an advisory approach matters most.
Insufficient collateral
Asset rental finance is secured against the asset itself. We don't require additional property or personal collateral in most cases.
"Fifteen years of banking with them. They told me my turnover wasn't consistent enough. Finance Africa looked at the actual business and structured the deal in eight days."
"The bank said my trading history was too short. I'd been running the business for 18 months with strong contracts. Finance Africa approved within a week."
"Agricultural income is seasonal — the bank couldn't accommodate that. Finance Africa structured repayments around our harvest cycle. It's how it should work."
No commitment. We'll tell you honestly whether we can help — and if we can't, we'll tell you that too.