Asset backed lending can be utilised for various business opportunities — whether for growth or sustainability. Common uses include high-yielding projects, managing cash flow, or increasing stock during high-demand periods.

No, property ownership does not change. The current owner remains the legal owner for the duration of the agreement. AFG simply registers a first bond over the property as collateral.

Yes, provided your payments are up to date. Extensions are subject to discretion and will require additional documentation.

Yes, our rates are generally higher than traditional banks. However, clients benefit from speed, flexibility, and a more personal approach — often crucial when taking advantage of time-sensitive, high-return opportunities.

Independent experts appraise the assets based on their type, age, condition, and current market value.

To ensure a quick application, we recommend unbonded fixed assets such as residential, commercial, or retail property - even zoned vacant land. Every application is assessed on its own merits.

Our head office is in Centurion, Gauteng. We fund qualifying transactions throughout South Africa and Namibia.

A minimum annual turnover of R1 million is required. Larger businesses with stronger cash flow are preferred.

The term is flexible depending on the transaction, with a maximum duration of 12 months.

Rates are determined on a case-by-case basis, with a minimum of 3.5%

A purchase order is a document issued by a government entity to procure goods or services, following strict procurement guidelines to ensure transparency and fair competition.

To qualify, you need a valid government-issued Purchase Order worth at least R300 000, with a profit margin of at least 30%.

Yes, if your approved invoice is valued above R400 000 and payable within 60 days.

We typically charge around 30% of the profits from the project.

Funding is usually available within 48 hours, depending on how quickly we receive all necessary documents.

Simply complete the online application form [Insert link] to begin your funding request.

We fund purchase orders starting from R300 000 and up — the bigger, the better.

The Central Supplier Database (CSD) is a centralised government database of suppliers, used to streamline procurement processes and maintain verified records.

Still apply — we have partners who may be able to assist with smaller transactions.

You must respond to government tenders or solicitations with a proposal. If successful, the government will issue you a PO.

A short-term loan that provides liquidity between the sale of one property and the purchase of another, or to cover related expenses before funds from the sale are released.

Ideal for individuals or businesses involved in property sales, including buyers, sellers, and developers who need short-term capital during property transactions.

Typically within 48 hours of a successful application.

Rates are market-related, generally around 0.15% per day.

Approval is usually quick, though timelines depend on how complete your application is and how fast your property can be evaluated.

Invoice discounting allows your business to access immediate capital by selling unpaid invoices to AFG. You can receive up to 80% of the invoice value, improving cash flow without disrupting customer relationships.

Your business qualifies if:

• You have annual turnover of R5 million or more
• Most clients are large businesses
• Your business has traded for over 12 months
• You can provide up-to-date financial documentation

Submit your long-term payment invoices to AFG and receive cash up front — often on the same day you invoice your client.

Once your application is approved, funds can be transferred within 48 hours - subject to how quickly you provide the required documents.