Trade Finance
Trade financeSecured trade finance for import, export or domestic supply chain transactions.
- Rate
- 2–4% a month
- Speed
- 1 week
- Amount
- R500k to R15m
- Term
- 6 to 120 months
Fits: Importers and wholesalers
Geddes Capital
VerifiedTrade and import finance to help you pay suppliers before your customers pay you.
About Geddes Capital
Geddes Capital provides trade finance facilities that bridge the gap between paying your suppliers and receiving payment from your customers. If you import goods or buy stock in bulk, they can fund the purchase order so you do not have to use your own cash. The facility is secured against the goods being purchased.
Is Geddes Capital a fit?
Typically fits
Importers and wholesalers who buy stock in bulk from local or international suppliers. Particularly useful for businesses with large confirmed orders but not enough cash to fund the purchase upfront.
Probably not a fit if
Service businesses or retailers who buy stock in small quantities from local suppliers. The minimum facility size and transaction complexity make this unsuitable for very small purchases. Not a fit for businesses without confirmed buyer demand.
Products
Bridging Finance
Bridging financeShort-term secured loan to bridge timing gaps — property transfers, deal closings, or cashflow mismatches.
- Rate
- 1.5–3% a month
- Speed
- 1 week
- Amount
- R500k to R15m
- Term
- 3 to 12 months
Fits: Short-term property or deal bridging
Invoice Factoring
Invoice financeCashflow-driven factoring against your debtors book. Standalone or as a supplement to other Geddes facilities.
- Rate
- 1.5–3% a month
- Speed
- 48 hours
- Amount
- R200k to R15m
- Term
- 12 to 120 months
Fits: B2B businesses with outstanding invoices
Secured Business Loan
Term loanAsset-backed business loan for SMEs. Flexible security structures, bespoke terms. Strategic capital for growth or turnaround.
- Rate
- From prime + 2%
- Speed
- 1 week
- Amount
- R500k to R15m
- Term
- 6 to 120 months
Fits: SMEs with assets and growth potential
Crypto-Backed Loan
Term loanSecured lending using cryptocurrency as collateral. Assessed case by case.
- Rate
- From prime + 2%
- Speed
- 48 hours
- Amount
- R500k to R15m
- Term
- 6 to 120 months
Fits: Crypto holders needing liquidity
Business Rescue Finance
Term loanPriority secured lending for businesses in or approaching business rescue. Structured to support turnaround plans.
- Rate
- Case by case
- Speed
- 1 week
- Amount
- R500k to R15m
- Term
- 6 to 120 months
Fits: Businesses in financial distress
Funding types Geddes Capital covers
FAQ
Geddes Capital operates in the South African SME lending market. For specific regulatory status (NCR registration, FSP licence), check their website or the regulator’s public register.
It depends on the product and on your documents. Each product above shows its typical speed; your own application can move faster or slower depending on what you have ready.
Standard SA lender paperwork: recent business bank statements, CIPC company documents and director IDs. Larger amounts usually also need management accounts or financial statements. The exact list depends on the product and the amount.
The rate and terms are Geddes Capital’s own either way. Applying through Frank means your business is first checked against the whole panel, so you can see whether Geddes Capital is the best fit before you commit, and a consultant takes the application forward with you.
No. You are never charged for using Frank. If you are funded, Geddes Capital 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.
Check your business
Apply to Geddes Capital through Frank. You are never charged.
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.
See my funding options