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Our Process

How Assetline works

Fast, transparent, and built around you. From first call to funds in your account — here's exactly what to expect.

01

Call or apply online

Reach out by phone, email, or our online form. Tell us about the asset you want to leverage and the amount you need. No paperwork yet — just a conversation.

02

Same-day decision

We assess your application the day it arrives. No credit committees, no bureaucracy. You'll receive an indicative term sheet — with rate, LTV, and term — within hours.

03

Valuation & legal

We commission an independent valuation of the asset. Our legal team prepares the loan agreement. You review, ask questions, and sign only when you're satisfied.

04

Funds released

Once the agreement is signed and the asset secured (or registered), funds are transferred directly to your account. Property loans typically settle within 48–72 hours of instruction.

05

Monthly interest

Interest is serviced monthly by debit order. Capital is repaid at the end of the term — typically via property sale, refinance, or another liquidity event.

06

Settlement & release

On full settlement, the bond is cancelled or the asset is returned in the same condition it was received. Simple, transparent, documented at every step.

Documentation

What we need from you

We keep paperwork to a minimum. Here's a typical document list — your deal manager will confirm exactly what's needed for your specific application.

A

Property loans

Title deed or deed of transfer · Recent municipal rates statement · Latest valuation (if available) · Entity documents (CK/CoR, MOI) · Directors' ID documents

B

Vehicle loans

Original vehicle registration papers · Clear title (no existing finance) · Entity documents · Directors' ID documents · 3 months' bank statements

Quick Answers

Common questions

How fast can you actually move?+
We issue decisions the same day we receive a complete application. From decision to funds typically takes 48–72 hours for property loans, and as fast as 24 hours for vehicle loans where the title is clear.
Do you do a credit check?+
Our primary focus is the quality of the asset, not your credit score. We do conduct basic identity and directorship verification, but we do not score-based decline applications. If the asset is strong, we want to talk.
Are there any upfront fees?+
No. We never charge application or assessment fees. All costs — initiation fee, legal, valuation — are disclosed on the term sheet and deducted from the loan proceeds at drawdown. You pay nothing unless you proceed.
Who can apply?+
We lend exclusively to registered South African business entities — (Pty) Ltd companies, close corporations, and trusts. The applicant must be a director or beneficial owner. We do not offer personal consumer loans.
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Ready to start?

Same-day response. No obligation. Direct conversation with the people who approve the deal.

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