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Property Fund

Our Property Fund caters to entrepreneurs with a viable business who want to refinance or purchase their own premises, but may have limited capital or security to contribute, or may not want to compromise the business’ cash resources for the deposit.

​In most cases, conventional financiers require a cash deposit before considering financing a property deal. The deposit amount depends on the risk appetite of the financier and deposits of up to 50% may be required. We, however, allow the entrepreneur a choice of different financing options and are able to structure the deal by advancing up to 110% of the financing required, subject to terms and conditions.


Applications will be considered based on the following conditions:

  • The underlying business must be proven to be viable and been in existence for no less than two years;
  • The business should have a sound financial track record;
  • The business must occupy at least 50% of the property to be purchased;
  • The property to be purchased should be in a good condition, well located and be available at a reasonable market value;
  • The operating business should meet affordability expectations. 

Residential and agriculture properties are excluded.


Financing period:

A maximum of 10 years.

Minimum and maximum loan amount:

R500 000 to R50 million.

Own contribution requirements:

Own contribution is not required.

Required documents for application:

Business plan.
Annual financial statements of the underlying business.
Details of the proposed property.

Want to know more about our financing criteria? Click here for our property investment FAQ.