Fund the equipment your business needs.
Machinery, commercial vehicles, medical equipment, agricultural assets, and technology — financed at a fixed 5% interest rate, structured around the asset's earning potential. Up to 7-year terms. No hidden fees.
Asset finance built for growth.
Whether you're scaling operations, upgrading equipment, or buying the machinery that moves your business forward, our asset finance is designed to make it possible — without tying up your working capital.
Every loan runs on the same promise: a fixed 5% interest rate for the entire term. No prime-rate exposure. No repricing risk. And because the asset itself acts as collateral, you don't need to pledge your personal property to secure funding.
- The asset serves as collateral — no additional security required
- Structured around the asset's earning potential and useful life
- Tax-efficient — repayments may be deductible as a business expense
- Terms from 1 to 7 years, structured around your cash flow
Four asset categories.
We finance the equipment that grows South African businesses.
Industrial Equipment
Manufacturing machinery, production lines, and heavy equipment.
Commercial Vehicles
Delivery trucks, vans, forklifts, and fleet vehicles.
Medical Equipment
Imaging machines, dental equipment, and diagnostic technology.
Agricultural Assets
Tractors, irrigation systems, harvesters, and farming equipment.
Benefits built for businesses.
Three reasons South African businesses choose NEMM for asset finance.
Fixed 5% Interest
Your rate is locked for the life of the loan. Underwrite your asset's ROI with certainty — no prime-rate movements, no monthly instalment changes, no surprises.
48-Hour Approval
Asset finance approval within 48 business hours from submission of a complete application. Fast enough to move when the right asset becomes available.
No Extra Collateral
The asset being financed serves as collateral. You don't need to pledge personal property, additional business assets, or provide personal surety in most cases.
Do you qualify?
Asset finance is available to registered South African businesses, sole proprietors, and professionals buying equipment for their practice. Below are the criteria.
Start My Application- Registered business (CIPC) or sole proprietor
- Trading history of 6+ months
- Minimum monthly revenue from R40,000
- Valid SA ID for all directors
- Clear description of the asset being financed
- Supplier quote or invoice
- 6 months of business bank statements
- Active business bank account
Four steps from application to equipment.
Our asset finance process is designed for business owners who move fast.
Apply Online
Complete our online application and tell us about the asset you want to finance.
Upload Documents
Submit your supplier quote, business bank statements, and financials through our secure portal.
Get Approved
Approval issued within 48 business hours. Funds paid directly to your supplier.
Put It to Work
Receive your asset, put it to work, and repay over your structured term.
Documents to have ready.
Having these prepared will speed up your application significantly.
Company DocumentsFor the business
- CIPC registration certificate
- Directors' IDs and proof of residence
- 6 months of business bank statements
- Latest financial statements (2 years)
- Latest management accounts
- Tax clearance certificate
Asset DocumentsFor the equipment
- Supplier quote or proforma invoice
- Detailed asset specification
- Asset condition report (if pre-owned)
- Serial or identification numbers
- Delivery timeline from supplier
- Insurance quotation for the asset
Frequently asked about asset finance.
Ready to fund your next asset?
Apply online in minutes. Approval in 48 hours. Fixed 5% interest locked for the life of your asset finance.
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