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Business, Personal & Property Bridging Loans


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Up To R5 Million In Funding To Grow Your Established Business

Guarantees are pivotal in providing security and confidence in a wide range of business transactions. They act as a commitment to fulfill obligations, ensuring that parties adhere to contractual terms. These financial tools are versatile, covering various scenarios from project completion to financial investments. Their role in mitigating risk cannot be overstated, offering assurance in commercial dealings. Whether in construction, banking, or investment sectors, guarantees serve as a backbone for trust and reliability. They safeguard interests, foster smoother transactions, and are indispensable in the modern business landscape.

Types of Guarantees:

Performance Guarantees

These guarantees are crucial in contracts where the completion of a specific task or project is required. They offer assurance that a contractor or service provider will meet the terms of their contract.

Retention Guarantees

Common in the construction industry, these guarantees replace the retention money that would typically be held by a client to ensure that the contractor completes all their contractual obligations satisfactorily.

Advance Payment Guarantees

They secure the client against risks involved with advance payments, assuring that the advance will be returned if the contractor or supplier fails to deliver according to the contract.

Construction Guarantees

Specifically designed for construction projects, these guarantees provide a financial assurance that the project will be completed in line with the agreed terms and conditions.

Bank Guarantees

Issued by banks, these guarantees are a promise to cover a loss if a client fails to fulfill a contractual commitment, offering a wide range of applications in both domestic and international trade.

Equity Guarantees

These guarantees are used to ensure that investors fulfill their equity commitments in a project, providing security that the financial investment will be made as agreed upon.

Benefits of Guarantees

The benefits of these bonds include enhanced reliability in business dealings, as they ensure contractual obligations are met. Performance Guarantees ensure task completion, Retention Guarantees safeguard client interests, and Advance Payment Guarantees protect against advance payment risks. Construction Guarantees offer assurance for project completion, Bank Guarantees provide a safety net for financial commitments, and Equity Guarantees ensure investor’s financial input. Each bond type serves to reduce risk, build trust, and facilitate smooth transactions in their respective fields.

Who Are They For?

These bonds are generally used by businesses and contractors in various industries. Performance Guarantees are for those involved in contracts requiring specific tasks. Retention Guarantees are common in construction. Advance Payment Guarantees are used in supply or construction contracts. Construction Guarantees cater to construction project stakeholders. Bank Guarantees are used by businesses in a variety of transactions. Equity Guarantees are relevant for investors in projects. Each bond type targets specific needs in commercial and financial sectors.


Loan Terms & Cost Schedule
  • Minimum Term – 3 months
  • Maximum Term – 12 months
  • Minimum APR – 13 %
  • Maximum APR – 30 %

Example :

  • Loan: R 1 million
  • Term 3 Months
  • APR 36 %
  • Repayment R2 080 000

Subject to lenders Terms and Conditions at time of quote



This form applies to the following bridging loan categories:

Construction Guarantee | Retention Guarantee

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