Geddes Capital
VerifiedTrade and import finance to help you pay suppliers before your customers pay you.
Trade Finance
Rate: 2–4% a month
Speed: 1 week
R500k to R15m
Trade finance for South African importers and wholesalers.
A facility to pay suppliers for goods you’re buying to resell, often backed by the underlying stock or a confirmed purchase order. In SA this covers local and import trade. Shorter-term than a typical loan and sized to the trade cycle, so you’re not carrying debt longer than needed.
Is trade finance a fit?
Green flags
- You’re buying stock or raw materials to fulfil a clear sales pipeline.
- Margins can absorb 3–8% finance cost on the funded amount.
- Importing, with supplier payment and shipping timelines to bridge.
Red flags
- Stock moves slowly or is seasonal with long dead periods.
- You’re a reseller with razor-thin margins — finance costs erase them.
- Inventory is perishable or fashion-risk (markdowns kill recovery).
Trade finance lenders on Frank’s panel
FAQ
A facility to pay suppliers for goods you’re buying to resell, often backed by the underlying stock or a confirmed purchase order. In SA this covers local and import trade. Shorter-term than a typical loan and sized to the trade cycle, so you’re not carrying debt longer than needed.
It tends to fit when you’re buying stock or raw materials to fulfil a clear sales pipeline; margins can absorb 3–8% finance cost on the funded amount; importing, with supplier payment and shipping timelines to bridge.
Speeds vary by lender, from same day to a few weeks. Each lender above shows its typical speed; your own application can move faster or slower depending on the documents you have ready.
Yes. Every lender on Frank’s panel requires the business to be registered in South Africa, and each sets its own minimum trading history.
No. You are never charged for using Frank. If you are funded, the lender pays Frank a referral fee. The fee is the same whichever lender you choose, so it never changes the rate or terms you are offered.
No. Frank is not a registered financial services provider and does not give financial advice as defined in the FAIS Act. It explains funding products and introduces you to lenders; any credit agreement is directly between you and the lender.
Other funding types
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It takes about a minute and there is no credit check. Frank checks your answers against every lender’s rules and shows you what fits and what does not. When you choose a lender, Frank sends them your application on the answers you have already given.
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