The process

Four steps.
No surprises.

Asset finance shouldn't feel like a bureaucratic obstacle course. Here's exactly what happens when you work with Finance Africa.

STEP 01
⏱ 15 minutes

Tell us about the deal

A short call, email, or WhatsApp message. Tell us what you're acquiring, approximately what it costs, and a bit about your business. No forms, no portals, no automated questionnaires.

  • What asset you're acquiring
  • Approximate value
  • What your business does
  • Any relevant context (e.g. seasonal income, project-based work)
STEP 02
⏱ 1–3 days

We structure the finance

We look at your business, the asset, and your cash flow. We come back with a structure that fits — not a template. This is where the advisory work happens.

  • We assess the asset and the business
  • We structure repayment around your cash flow
  • We present a clear term sheet
  • We answer questions directly
STEP 03
⏱ Fast

You sign, we pay the supplier

Once the term sheet is agreed, we move quickly. You sign the agreement, we pay your supplier directly. No waiting for funds to clear, no intermediaries.

  • Simple digital signing process
  • We pay the supplier directly
  • No funds pass through your account
  • Asset is delivered to you
STEP 04
⏱ Ongoing

You get the asset, we stay in touch

We're not a transaction. When the business shifts — a new contract, a change in cash flow, an upgrade requirement — we're available to re-engage. The relationship doesn't end at signing.

  • Repayments begin per agreed schedule
  • We check in periodically
  • Refinancing or restructuring available
  • Upgrade paths discussed when relevant
Documents

What you'll typically need.

This is a general checklist. An advisor will give you a precise list for your specific situation — some deals need less, some need more.

  • Company registration documents (CK / CIPC)Required
  • Director IDs (certified copies)Required
  • 6 months bank statementsRequired
  • Management accounts or financialsRequired
  • Asset quotation from supplierRequired
  • Proof of address (company)
  • VAT registration (if applicable)
  • Existing finance agreements (if any)

5 days, not 34.

The Big Four banks take an average of 34 days to approve asset finance. Our target is 5 business days. The difference is an advisory-led process — reviewed by people who can actually decide.

Ready to start? The first step is just a conversation.

Start a conversation