• Overdrafts are linked to your current account, which means cash is available when you need it.
• Interest is paid only on the money you use, not on the full amount at which your limit is set.

A Business Revolving Credit Plan gives you a line of credit which can be paid off over two to five years. Once you have repaid 25% of the loan, you can withdraw funds up to the original limit, without affecting your monthly repayments.

• The loan can be linked to your business account, so you can transfer funds electronically

*Country dependent
Standard Bank’s Medium Term Loan (MTL features a variety of repayment terms over 2 to 10 years)

• Interest is linked to the prime or base rate
• The amount of the loan, the interest rate and your repayment plan depend on how much security you have and the value of the assets you want to buy
• Flexible repayment plan to suits business’ cash flow based on seasonality

An Agricultural Production Loan (APL) is short-term credit that lets you pay for your agricultural input costs. This product is suitable for grain farmers cultivating on either dry land or on an irrigation basis. Loans are provided to individual farmers, groups and legal entities in the agricultural sector, including commercial farmers and agri-businesses. Input costs that qualify for production credit include:

• Seeds and fertilizer
• Fuel, oil and lubricants
• Herbicides and pesticides
• Repairs and maintenance
• Crop insurance premiums

Loans are granted for between 6 and 24 months with repayment at the end of the term.

Our vehicle and asset finance packages are designed to suit your business’ cash flow and tax requirements. Vehicles and assets we finance include:

• Tractors
• Harvesters
• Centre pivots
• Solar panels