How Much We Lend

How the loan amount is calculated

The loan amounts we offer are based on the value of the assets that our clients supply as collateral, rather than on factors like credit scores, salary or guess work about credit risk.

Because the loans we offer are asset-based, loan amounts vary significantly.

How much we lend on movable assets

Examples of movable assets include cars, boats, jewellery, luxury watches and art. Loans we’ve offered in the past based on these types of assets have ranged from R20,000 to as much as R10 million.

How much we lend on immovable assets

We offer asset-based loans on immoveable assets, in the form of unencumbered commercial property. Previous loans that we’ve given based on commercial property have ranged from R500,000 to R10 million in value.

What happens when you apply for a loan?

When you apply for a loan, the market value of the asset you supply will be appraised. We then determine a loan offer based on the asset’s value. For example, the asset you supply could be a valuable artwork or a fully paid up vehicle in your name.

If you choose to proceed with a loan offer, we’ll complete relevant paperwork, take your asset for safe keeping and transfer the loan amount to your account, typically on the same day you apply. We’ll then store your asset in a secure, access-controlled facility. Once you’ve paid back the loan and agreed interest, we return the asset to you.

Assets we accept at lamna

We have a list of generally accepted assets on our website, although those aren’t the only ones we’ll accept. For example, we recently approved a loan based on the value of a client’s aeroplane.

If you’re not sure if your asset will be accepted as collateral for an asset-based loan, it’s best to contact one of our consultants to find out.

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