at threesixty finance we CREATE Your Wealth Through BUSINESS FINANCING

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Product focus on vendors and merchants in following industries:

  • Auto
  • Fuel retailers
  • Beauty/ Wellness/ Medical
  • Hospitality
  • Restaurant
  • Electronics
  • Retail
  • FMCG
  • Hardware
  • Building Materials
  • Sport
  • Transport
  • Hotels
  • Childcare
  • Construction
  • Services

Loan based on expected future sales (effectively business is funding own growth)

Term 4 – 12 months

Merchants must be operational for longer than 6 months; monthly turnover more than R 30 000 and must use POS device

Vendors must be operational for longer than 12 months; monthly turnover more than R 60 000 and turnover must be card-based

Loans from R 20 000 to R 2 000 000



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The product “bridges” the gap between the time when a company’s money is set to run out and when it can expect to receive an infusion of funds later. This type of financing is most normally used to fulfil a company’s short-term working capital needs.

Funding on unencumbered residential or commercial property to be used as security

  •  3 years’ audited statements
  • Loan term 3 – 12 months
  • Company must be able to service monthly interest
  • Maximum 50% equity on unencumbered fixed property
  • Clear exit strategy


The product “bridges” the gap between the time when the seller of a residential property is to receive the proceeds from the sale on registration and the instruction for registration is received by the transferring attorneys. This type of financing is most normally used to fulfil the seller’s short-term cash flow needs.

  • Funding on proceeds from selling property
  • Transferring attorney must be in possession of valid and acceptable bank guarantee for payment of full purchase price on registration or full amount in trust account
  • Maximum percentage bridging finance is 80% of net proceeds
  • Maximum amount to be bridged R 2 000 000
  • Options to bridging finance for clients with adverse report on credit report available


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  • Product limited to legal entities
  • Minimum property value of R 500 000
  • Loan restricted between 40% – 60% of equity value
  • Vacant land not considered as equity
  • Term 3 to 24 months


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Business loans for increasing working capital, purchasing of business as running concern, and other non-property associated business financing needs

  • Normal equity required 20%
  • Up to 100% funding available in certain instances
  • Repayment of loan over 10 years
  • Business must repay loan
  • Bankable Business Plan compiled by at threesixty required


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The product combines flexible finance, linked to turnover, with a professional debtor administration and creditor control service. Compared to a bank overdraft facility, factoring is a more flexible means of finance, effectively converting credit sales into cash sales.

  • Product well suited for SME’s requiring debtor administration and finance
  • Total management of debtor’s ledger
  • Includes provision for monthly debtor statements
  • Includes monthly reports to confirm status of ledger
  • Includes investigations of creditworthiness of prospective and existing debtors
  • Maximum advance 75% of applicant’s debtors


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This product signifies financing for trade, and it concerns both domestic and international trade transactions. A trade transaction requires a seller of goods and services as well as a buyer. Trade financing aims to settle the client’s supplier invoices:

  • Up to 120 days’ term
  • 100% or part of an in invoice could be funded
  • Full amount could be available in advance, allowing for pre-shipment funding
  • Includes local and import trade as well as associated costs such as freight, clearing, etc
  • Minimum 10% deposit, ceded to financier and withdrawn when facility is cancelled
  • Product caters specifically for periods of rapid expansion, seasonal peaks or for dealing outside of normal cash flow constraints


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  • Student Accommodation excludes student accommodation for multi-tenant properties
  • Maximum loan amount R 10 000 000
  • Appropriate zoning of property crucial
  • 20% equity required
  • Repayment structured over 20 years


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Rental of equipment is offered to create the following benefits to a business entity:

  •  Monthly rentals can be reduced using an annual escalation
  • Rentals avoid capital expenditure
  • No deposits are required
  • Ease of replacement and upgrading
  • Flexible End of Agreement options
  • Off Balance Sheet item
  • Rentals are fully tax deductible from the annual taxable profit
  • The renting of goods enables the client to keep track with technology

business consultation

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Our team of industrial engineers and business experts can advise you to structure your business structuring, operations and financial management to improve the profitability and sustainability of your business entity

business rescue