Find answers to the most common questions about our loan products, application process and lending criteria.
AssetLine Capital lends to both individuals and registered entities (companies, close corporations, or trusts). The requirement is a qualifying asset used as security — property, a vehicle, or other moveable assets — not your registration status. Documentation differs slightly depending on whether the asset is held personally or through an entity.
Our minimum is R100,000 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.
Call us directly. Our team picks up and will assess your situation on the first call.
Unlock the capital tied up in your property without selling it. Residential, commercial, industrial or land — if it has value, we want to hear about it. We lend to businesses and juristic entities against property types that mainstream banks regularly decline.
Borrow against your vehicle or moveable asset. We take full physical custody of the asset for the entire loan term — professionally stored in a secure, insured facility — and return it in the same condition upon full settlement.
Short-term secured capital for business owners and entrepreneurs who need to move fast and cannot wait for a bank's credit committee. We take a commercial view and structure deals that work for real business situations.
You've sold your property but funds are tied up while transfer is processed. Bridging finance gives you access to up to 75% of your net sale proceeds now — not in three months. Widely used by sellers, attorneys and conveyancers.
Short-term finance for property developers who need to move fast. We understand that development timelines are unpredictable and structure deals that work for real-world development.