Funding Against Property

  • A cash injection for your business
  • Fast and flexible

Do you need a large amount of money to manage a gap in cash flow or to grow your business? Get funding against your unbonded commercial property with BizFunding. Apply in minutes and get the funding your business needs.

Funding Against Property

Get business funding using your property

BizFunding allows you to leverage your business property for money, without having to sell it. As long as the property is fully paid off (bond-free) and in your company name it can serve as collateral for a large asset-backed loan. You can then use the funds to meet expenses and grow your business. Here are the advantages:

  • no delays
  • no need to sell your property
  • no barriers for entrepreneurs
  • competitive and flexible terms.
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It only takes 3 steps to get funded.



Use our application form to give us details of the funding you need and the commercial property you’d like to get funding against.


Supply Documents

You need to provide us with relevant documentation and property details so we can validate them and prepare a proposal.


Get Funded

Once you accept our proposal, we can start the process straight away.

Frequently asked questions

Do you have questions regarding the funding process? Below you’ll find the most frequently asked questions, and you can read the full FAQ here. If you need further assistance, please contact us directly.

We can fund you from R500 000 and up but the property must be in the name of a company or legal entity and it must be worth a minimum of R1 000 000.

You must also have a business plan or deal outlining the repayment strategy for the funds

Terms are usually 3 to 12 months.

  • Fixed fees: Our charges are fixed and transparent, so there are no surprises.
  • Fast turnaround time: We can have your money paid out in 14 to 21 days.

A loan against commercial property is a type of secured loan that is backed by a property. It is a large short-term loan that usually lasts between 3 to 12 months, and can be customized to meet the borrower’s business requirements. The loan agreement includes a repayment schedule and agreed-upon interest rate.

It is important to understand that a loan against commercial property does not affect the ownership of the property unless the borrower defaults on the loan. In such a case, the lender may be forced to sell the property to recoup their losses. However, at BizFunding, we do not deal with selling assets. Our core business is partnering with clients to help their businesses grow. We are flexible when negotiating repayment terms to ensure the success of our clients.

A large secured loan, such as a loan against property, is usually quicker and simpler to obtain compared to an unsecured loan. This is because the process for a secured loan is more straightforward.

When applying for an unsecured business loan, such as a traditional bank loan, the approval is based on various factors such as financial history, credit score, and years in operation, indicating how likely a business is to repay the loan. On the other hand, a secured loan does not require such guesswork as the value of the property used as collateral is the primary factor in determining the loan offer.

To acquire a loan against your commercial property with BizFunding, tailored for businesses without existing bonds, you will need to provide the following documents to initiate the process and receive an obligation-free proposal:

  • copy of the title deed
  • latest municipal account
  • company registration documents
  • ID and proof of address for the business director(s).
  • six months’ bank statements
  • business plan outlining the repayment strategy for the funds.

Fees for property-backed funding typically include:

  • Bond Registration Fees: These fees can be incorporated into the loan amount.
  • Interest Charges: Typically, around 5% per month. However, each deal is customized to fit the specific requirements of our clients.

By tailoring each deal to meet individual client needs, we ensure a flexible and accommodating approach to financing.

Property-backed loans offer flexibility in fund utilization without stringent restrictions. Here are some common ways businesses leverage funding from property-backed loans:

  • Working Capital: Access funds to support ongoing operations or capitalize on lucrative projects.
  • Business Expansion: Use the loan to invest in acquiring another business or to compete in new markets.
  • International Trade: Facilitate import/export activities by securing financing for goods and transactions.
  • Tax Obligations: Address outstanding tax obligations and ensure compliance with regulatory requirements.
  • Investment in Equipment: Enhance business capabilities by investing in new equipment or technology.
  • Property Enhancement: Utilize funds for renovating or expanding existing business premises to meet growing demands or improve customer experience.

By leveraging the value of property assets, businesses can seize opportunities for growth, expansion, and operational enhancement.

Tried & trusted

We help local South African businesses grow.

Fast funding

Get funding quickly – typically within 14-21 days.

Simple process

No red tape. Minimal paperwork is required.

Hands-on support

Our dedicated agent will be by your side every step of the way to guide you.

Looking for funding?

Contact us now.

Submit your details using the contact form and one of our dedicated business agents will contact you to discuss your needs and goals. We’d love to be your business funding partner!

Mon to Fri: 8:30 am – 4:30 pm

    We are not offering startup funding at this time.

    No employment opportunities are available at this time.

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