Business and Commercial Asset Finance, Fleet Finance & Management Solutions
Standard Bank is a leading Africa-focused financial services organisation. As Africa’s largest bank, we’re committed to using our experience, expertise and innovative vision to provide banking, investment and insurance solutions that enable inclusive, sustainable growth for communities, businesses and economies throughout Africa.
We partner for growth, providing tailored financial solutions to help businesses of all sizes start, manage, and grow across Africa.
Our flexible Commercial Asset Finance (CAF) solutions make it easier for clients to acquire the vehicles and equipment they need for their business. We also offer solutions to help clients optimise their fleet operations and reduce costs with our vehicle tracking, fuel management, and maintenance services.
We offer specialised expertise and support for clients in key sectors, such as agriculture, manufacturing, healthcare, and tourism.
Business Banking and Financing Solutions
Commercial asset finance
Our flexible CAF solutions make it easier for clients to acquire the vehicles and equipment they need for their business.
Merchant financial services
We have a variety of solutions that cater to your business’s growth while simplifying your customer payments.
Trade finance solutions
Our Africa-China, Africa-US and Africa-Gulf propositions connect our clients to seamless trade opportunities with our unique end-to-end offerings.
International payments and forex
We provide our clients with a full suite of solutions to meet all their foreign exchange and cross-border needs.
Fleet Management services
We offer solutions to help clients optimise their fleet operations and reduce costs with our vehicle tracking, fuel management, and maintenance services.
Business solar financing
We offer tailored solar financing solutions to help clients reduce their energy costs and environmental impact.
Transactional banking
We offer solutions to help clients streamline payments, manage working capital, and optimise their day-to-day finances.
Self-service banking
Our Banking App and internet banking platform provide convenient and secure banking anytime, anywhere.
Business finance lending
We provide a wide range of loans tailored to clients' unique needs, helping them secure the funding they need to grow.
Business insurance
We provide a range of insurance solutions to protect clients' assets and operations from unforeseen risks, ensuring continuity and peace of mind.
Investments and savings
Clients can grow their surplus funds and plan for the future with our investment and savings products.
Alternative funding options
We connect clients with venture capital, private equity, and crowdfunding to help them access the capital they need to scale their businesses.
Vehicle & Capital Equipment Finance
We’ve got your business vehicle and capital equipment needs covered.
We understand that financing and managing your company’s assets is
critical to the success of your business.
Our dedicated team of experts
will assist you with financing vehicles or assets and can arrange a
comprehensive funding package to suit your unique requirements.
Our experts specialise across the sectors of the economy.
Finance services for a wide range of new and used movable assets, including
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Passenger and commercial vehicles finance
Financing for delivery vehicles, trucks and freight carriers, tanker trucks, flatbed trucks, and those which may be of a specialised nature.
Solar equipment finance
Discover the benefits of solar, potential savings, and affordable financing options. Get recommendations for solar systems that are suitable for your business and budget.
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Agricultural equipment finance
Tractors, combine harvesters and various other harvesting, tilling, or planting attachments, as well as production lines and machinery for manufacturing feeds and various other farming applications like dairies, chicken farming, and wine farming.
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Manufacturing & industrial machine finance
Financing of CNC machines, plastic moulding machines, compressors, generators & power systems, automation equipment, packaging machinery, machine tools, technology machines, office equipment.
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Mining and construction equipment finance
Financing of earthmoving equipment, cranes, forklifts, telescopic handlers, crushing and screening equipment, small and large mobile opencast mining and quarrying equipment and a full range of underground mining equipment.
Medical and Technology equipment finance
Financing of assets and equipment in the medical, printing, and information technology sector. Aircraft (helicopters and fixed-wing).
Vehicle and Asset Financing Options
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INSTALMENT SALEAn agreement whereby an asset is sold to the customer over a period. The asset is capitalised immediately, and ownership of the property is either;(i) passed to the customer only when the agreement is fully complied with (the account has been paid in full); or (ii) passes to the customer immediately subject to a right of the credit provider (Standard Bank) to repossess the property if the customer fails to satisfy all the financial obligations under the agreement.
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This finance facility allows the customer to use an asset while paying for it over an agreed period. Ownership does not pass automatically once the final payment has been made but is one of the options available to the customer provided specified contractual terms are met.FINANCE LEASE -
An agreement in terms of which the Bank rents movable asset to a Hirer (Customer), where the Hirer has the use and enjoyment of the asset for a defined period.
OPERATING RENTAL -
An agreement allowing the customer to sell the asset already paid for to the Bank and in return, the Bank enters into a finance agreement with the customer for the same asset.CASH SALE/SALE AND LEASEBACK -
A finance option to facilitate part or progress payments for the importation and/or necessary prolonged commissioning of capital equipment. INTERIM AGREEMENT
Commercial Fleet Financing & Management Services
Standard Bank Fleet Management (SBFM) is in its fourth decade of
providing quality service and continues to meet the ever-changing needs
of South African fleet operators, large or small.
In a highly specialised marketplace, our personalised service and commitment provides our customers with invaluable assistance in all areas of fleet management.
We can structure fleet solutions to meet individual customer requirements and provide the support of specialists who are familiar with the latest trends and developments in the industry.
Our fleet solutions and facilities are designed to provide the fleet owner with a full range of specialised products to control and manage their fleets more effectively.
Apply for Finance-
Fleet Management Card
Offering ease and convenience in paying for, monitoring and controlling vehicle running costs.
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Visa Fleet Card
Take control of your fleet expenses, enable your drivers to transact safely, and lower your fleet’s running costs with our Chip-and-PIN Visa Fleet Card.
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Managed Maintenance
Let us handle your fleet’s service and repairs scheduling, authorisation and settlement. Managed Maintenance is a unique maintenance monitoring system whereby we manage vehicle maintenance and repair costs by providing proactive authorisations to merchants for services and repairs or tyre replacements in line with budgets set for specific vehicles, or in line with your fleet policy.
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Full Maintenance Rental
Operate vehicles with full maintenance packages at a fixed rate. Full Maintenance Rental (FMR) provides a comprehensive finance and maintenance package for businesses and private individuals that require the use of a vehicle or number of vehicles for various purposes, but do not want to take ownership of or the risk of maintaining or disposing of the vehicle/s.
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Prepaid Fleet Account
Get a prepaid card for each vehicle in your fleet, with limited funds for fuel and maintenance costs. A Prepaid Fleet Account enables businesses with fleets of vehicles to preload their fleet account with funds to cater for vehicle-related purchases of their entire fleet.
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BlueFuel – Namibia
Sending your fleet across the border? Use our BlueFuel windscreen tag to pay for fuel. The Bank of Namibia (BON) has implemented legislative changes in Namibia with regard to the acquisition and settlement of Fleet Card transactions in Namibia. In view of the legislative changes and to enhance our cross-border offering, SBFM has partnered with a service provider that utilises a secure cardless driver-PIN-based fleet payment solution in the form of a tamperproof windscreen tag.
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Shari’ah Fleet Management
Standard Bank offers Shari’ah-compliant fleet management products that will enable customers with a need for such products to finance and manage their vehicle fleet.
Wholesale Finance Services
We empower mobility asset sales businesses and rental companies.
There may be other financial institutions out there that can help you
finance your dealer stock, but we have a better way to help pay for assets
without compromising your cash flows.
If you’re an established dealer or short-term rental company, you
may already be well acquainted with the challenge of maintaining a
stocked inventory or rental fleet.
Standard Bank’s unique Wholesale Finance solution can help you navigate these challenges.
Wholesale Finance Floorplan for Dealerships
In the face of stiff competition in today’s market, maintaining a diverse and well-stocked inventory for your customers to choose from can be a real challenge. Dealerships constantly have to juggle between the funds at their disposal and the vehicles (be it passenger cars and SUVs, delivery vehicles, bakkies, yellow metal or trucks) they need to stock. This is where Standard Bank’s Wholesale Finance, also known as Floorplan finance, comes to the rescue.
A cash flow solution designed to enable dealers or mobility asset suppliers to fund large volumes of assets (cars, bakkies, SUVs):
Each asset becomes the foundation for the underlying collateral of the
facility.
By financing the dealership as part of the SBG VAF ecosystem,
this facility enables smooth dealership operations by covering the
cost of new car stock, freeing up dealers’ capital for other business
investments.
The maximum term on a floorplan is one year, or until the car is sold,
with sold assets settled within 48 business hours (2 business days).
During the finance period, only interest is serviced – there are no capital
payments. Remarkably, even pre-owned units are financed up to 100%
of trade value (based on mileage and credit risk).
Courtesy Plan
We also offer a Courtesy Plan - a short-term finance solution, that can help
dealers to provide mobility, by help customers drive a new car or asset more
often (short-term rental) or funding their own staff fleet cars.
Your dedicated
Wholesale Finance contact at Standard Bank can tell you more about how
these solutions can help you accelerate your business forward.
Introducing FleetSaver
Redefining car rental businesses
Looking beyond the standard dealership scenario, Standard Bank Wholesale
Finance also provides a specialised rental solution known as FleetSaver.
This unique 24-month solution allows businesses such as rental car
companies to finance new passenger and Light Commercial vehicles for
short-to-medium-term periods.
FleetSaver offers much-needed flexibility to fleet rental companies, allowing
them to maintain a consistent flow of updated and fresh vehicles without
suffering the impacts of high capital repayments and early settlement
penalties.
Commercial FlexSaver
Meeting specific business needs
In addition to FleetSaver, Standard Bank Wholesale Finance offers a product
called Commercial FlexSaver, which is also a rental solution aimed at the
funding of commercial assets such as trucks, yellow metal, forklifts, and
materials handling equipment.
It’s a robust and flexible tool designed to meet specific business needs,
creating a sustainable pathway for companies to upgrade and maintain their
essential equipment.
Standard Bank’s Wholesale Finance, FleetSaver and Commercial FleetSaver are revolutionising the way dealerships and businesses manage their assets. By offering a strong financing platform, these solutions allow businesses to focus on growth and customer satisfaction.
Contact the Business
Standard Bank
Head of Market Development - Commercial Asset Finance (CAF)
Jaco Roux
Phone Number
Brent Colborne
Phone Number
General Contact Number
Commercial Asset Finance
Apply for Finance
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Commercial Asset Finance (CAF)
Fleet Finance
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Physical Address
5 Simmonds Street,
Selby, Johannesburg,
2001