Questions, answered.

Assetline lends exclusively to registered business entities — companies, close corporations and trusts. The applicant must be a director or beneficial owner of the entity. We do not provide personal loans, consumer loans, or debt consolidation.

Our minimum is R50,000 for vehicle-secured loans and R500,000 for property-secured loans. Bridging finance starts at R200,000.

We issue decisions the same day an application is received. From application to funds in your account typically takes 48 to 72 hours, depending on the loan type and valuation requirements.

No. We never charge application fees. You only pay if the loan is drawn down, and fees are disclosed in full on the term sheet before you sign anything.

No. We take full physical custody of the vehicle for the entire duration of the loan. The vehicle is stored in a professionally managed, fully insured secure storage facility and is returned in the same condition upon full settlement of the loan.

If you default, we follow due legal process. The vehicle is held as security, and standard lending recovery procedures apply. We always prefer to work constructively with clients to find a resolution before any enforcement step.

Loan-to-value varies by property type: up to 50% for residential, 55% for commercial and industrial, and 20% for land. Final LTV depends on a formal valuation and our credit view.

Property loan terms run from 3 to 24 months. Interest is serviced monthly; capital is repaid at the term end, typically through a property sale, refinance, or other identified exit event.

Bridging is ideal when you have sold a property but transfer has not yet completed. We advance up to 75% of your net sale proceeds, repaid automatically when transfer registers.

Our short-term business loans are used for acquisitions, working capital, time-sensitive opportunities, VAT/SARS obligations, and bridging revenue cycles. The loan must be secured against a qualifying asset.