Small business loans are available for small to medium sized businesses. Those in need of finance to start up or to push a company to the next level. The loan applications are quick and simple. You can do them online from the comfort of a home or office. And approval can be fast with cash going into an applicants bank account within as little as 48 hours. A new enterprise or a company that has not been going for very long often needs this extra money. To get to the next level and have the financial freedom to progress further. Read More: Micro Loans For Anyone Small Business Loans Hurdles Often when looking for a small business loan you may be confronted with hurdles. That can block a company from getting the much needed money. For instance, long intrusive application processes. With difficult and confusing application forms that need to be filled in, That makes life very difficult for a small to medium business to obtain finance. Strict requirements and high interest rate payback fees can be a real pain. When all you are really looking for is that quick and immediate cash that will help to propel your business… Read More

If you need money urgently and you do not want to consider going into debt to solve your problems, there are solutions other than relying on loans for cash. Finding these solutions may not be as easy as it is to apply for a quick loan. But relying on resources other than getting yourself into debt will help you in the long run. And save you a lot of money on interest. If you need help with your debt Click Here Why should you avoid getting a loan if you need cash? There are good reasons to avoid taking out debt to solve your cash flow problems. If you are sure that you will be getting a reasonable income for a long time to come, and you are careful with your money. Also if the thing you are buying is something that you really need and if always pay your debts on time, then you could safely get a loan. However, if you want the money to purchase something that you don’t necessarily need. If you are already in trouble with debt. Or if you do not have a job that pays a steady, reliable salary every month or if… Read More

Who finances blacklisted people is a relevant question in a society where finance is everything. People are getting blacklisted by companies in South Africa and having debt is often a huge amount of trouble. Getting into debt is unfortunately incredibly easy. Because almost everything worth having costs more than most people can afford to pay in cash. Most people end up opening account, applying for credit cards, overdrafts at the banks and taking out loans. If you experience a financial bump in the road by losing your job or surprise payments, you may not be able to make a payment in full or on time. This can mean finding yourself in financial trouble. Financial service providers do not take kindly to missing payments. And they will take legal action against any individual who does not make their payments on time and in full. Legal action like heavy penalties, seizure of assets and the process of blacklisting. These will befall those who do not keep up to date with their debt. Those who have been blacklisted People who have had trouble making their payments and who have been blacklisted in South Africa will not qualify for a loan. Or a credit… Read More

Cape Town loan sharks are available to you if you are desperate. But... People who offer to lend money at exorbitant interest rates are known as loan sharks for a reason. If you are not careful they can eat you and your wallet alive! They are not fussy about who borrows from them. You don’t need to have a good credit record or go through a strenuous form-filling process. Rather, loan sharks prey on the weak and desperate. Offering quick cash with extremely high interest rates on payday loans, title loans and other such lending. Why Cape Town Loan Sharks are Dangerous They often resort to intimidation, blackmail, or even violence to retrieve the money (with interest!) that they have lent out. Blurring the boundaries of legal and illegal behaviour. Loan sharks are typically unreliable and untrustworthy. Stay away if at all possible. If you desperately need cash fast they offer payday loans that give you the equivalent of your salary in advance. Sounds like a quick fix. But they will expect you to pay back the amount as well as a large sum of interest. It is estimated that there are around 300,000 illegal providers of credit in South… Read More

Comparing FNB vs Nedbank or Absa vs Standard Bank charges. Or Capitec vs Nedbank will help you to find the lowest bank account charges in South Africa. It is quite common knowledge that South Africa bank charges are some of the highest in the world. Even though the country has many low-income earners. In some countries banks have no charges for transactions such as withdrawals, transfers and deposits. The good news is that bank charges in SA have got a bit lower in recent times. According to research conducted by Solidarity (a South African trade union). Of the five largest commercial banks (Absa, Standard Bank, First National Bank, Capitec, and Nedbank), all banks except Nedbank lowered the cost of almost all their accounts. Capitec bank still the cheapest Since 2010, Capitec has been the bank with the lowest bank charges. In 2012, Capitec lowered its charges even further. The Solidarity study compared personal bank account charges for the five largest commercial banks in the country. With Capitec’s Global One account emerging as the account with the lowest bank charges in South Africa. This may also interest you: Do ABSA, Nedbank, FNB or Standard Bank Offer Blacklisted Loans? Nedbank has the… Read More

Most people need assistance from a financial service provider in order to buy a home. The ideas below are to help you qualify for a home loan in South Africa. Properties are incredibly expensive and you will find yourself having to either take out a bond or apply for finance. In order to buy your home. There are several things to keep in mind when you are applying to borrow money for a new house. Keep in mind the following tips and advice. Because a home loan is generally bigger than a vehicle loan or any other type of credit, you must think very carefully before choosing. Also before choosing the financial service provider that will finance your property. Qualify for a Home Loan Tip 1: Make sure you have a steady, reliable income It is important, when trying to qualify for a home loan, that you can comfortably afford the monthly repayments. With interest that you will have to pay. Make sure that you look at houses in the right price range when you are looking to buy a property. So that you know that you will be able to afford the monthly loan repayments comfortably on your salary.… Read More

If you would like to know how to get a quick cash advance loan, you simply need to read the following information and apply for your loan. Most cash advances are provided by credit card providers or other financial service providers. You can contact your financial service provider and get an amount of cash (up to a specific limit). This loan will cost you interest and you will have to pay it back quite quickly. Where and how to get quick cash advance loans Most credit card and charge card companies will allow their customers to apply for a cash advance loan. Based on their monthly income. If the cash advance loan gets approval, you can simply draw the cash out of an ATM. Or you can visit the financial agency. There is generally a limit on how much you can apply for in a cash advance loan. If you are using your credit card, then the maximum amount will be your credit card limit. Otherwise, your limit will generally be quite low. Because a cash advance loan is for a smaller amount than other finance. And because it is based as an advance on what you will be receiving… Read More

These bond repayment calculators are free for you to use online. They will help you work out what you can and can't afford to pay on a bond. A good bond repayment calculator will be very accurate and will ask for all the relevant information. It should also work quite quickly and not leave you waiting while it calculates and loads. Many property and banking websites offer free bond repayment calculator tools on their websites and you could, of course, make use of any one of these. What is a bond repayment calculator? A bond repayment calculator is an online tool that works out what your monthly payments will be. On a specific bond quote that you have been given by a financial service provider. The calculator does this through asking for the total loan amount, the interest rate and the duration of the loan. The bond repayment calculator may also tell you what your maximum home loan amount could be. Based on your gross monthly income. This is very valuable information to be able to calculate quickly. What is the benefit of calculating your bond repayments online? If you are looking to take out a bond, you will probably… Read More

Peer to peer lending is available in South Africa today. It will suit you if you are looking to either make or borrow money. But would like to avoid traditional loans from financial service providers. Almost everyone in the world utilises credit at some point in their lives. Most people need credit to finance their homes, vehicles, store accounts, the education of their children and many other aspects of their lives. Often, it is impossible to go through large, reputable financial service providers to receive finance and many people try (wisely) to avoid loan shark agencies. Therefore this makes peer to peer lending one of the best options for gaining finance. What is peer to peer lending? Also known as person to person lending. It is a financial transaction (usually lending and borrowing) that occurs between two individuals without an intermediary. The lender earns a profit from the borrower in the way of interest. So the terms and conditions of the transaction, including interest rates, amount and whether there is an expiration period on the loan, will be decided by the lender and borrower. With the help of a person to person lending company. Because of this, the terms and… Read More

Find the business funding organizations in South Africa to fund your small to medium business. Then you could find a way to grow your idea into a successful business that will set you and your family up for life. If you are an entrepreneur with a great idea, it is always good to look into the options for funding a business. Most people have dreams to make money that will allow them to live out all their dreams. As well as look after their families and friends and have all the items they have ever wanted. There are many ways people earn their money but one of the best, hardest and most rewarding is starting your own business. Business Funding Organizations and Options These companies and agencies help new businesses grow. To start your business, you will need enough capital for rent, equipment, stock and for salaries and other regular expenses until your business begins making money. So the following is a list of some of your options for funding your small business: The Small Enterprise Development Agency (SEDA) SEDA is an initiation of the South African Department of Trade and Industry. It was started in 2004 through the National… Read More