specialist
Industry specialists

Let our industry specialists craft the exact financial package to suit your needs.

money note icon
Vast range of lending products

We will assist you whether you need a loan for everyday expenses or expansion.

directional arrows icon
Domestic asset finance

When you want to expand your business, we have the finance solution to help you do that.

We offer corporate loans around your needs. We understand how difficult it can be to manage your everyday expenses and build a foundation for your business to grow. That’s why we offer you a choice of medium to long-term loans to help you meet all your business needs.

specialist
Medium to long-term business loans

Loans in Mozambican metical or foreign currencies

money note icon
Flexible terms made for you

Repayment terms that best suit your cashflow profile

directional arrows icon
Fixed or variable interest rates

Interest rate payments according to your business requirements

  • What you get

    • A business loan to suit your needs in Mozambican metical or foreign currencies
    • Flexible repayment terms to suit your cash flow

  • What you need to know

    • You can get fixed or variable interest rates.
    • Rate type depends on the loan currency.

Acquire the assets your business needs to grow. Our asset finance solutions can help you grow your business by enabling you to buy the vehicles, plant and machinery you need. 

  • Finance lease

    • Absa purchases the asset and leases it on credit terms to you under a finance lease agreement.
    • You rent the asset for an agreed term and make fixed repayments that include proportions of capital and interest charges.
    • At the end of the lease, you have the option to buy the asset against the book value (residual value).

  • Sale and leaseback

    • You (as the current owner) sell the asset to Absa and in turn the bank leases it back to you.
    • Assets under sale and leaseback will be financed through a finance lease.

  • What you get

    • Available in metical and major foreign currencies.
    • We finance up to 100% of the cost price of the asset (excluding insurance and VAT).
    • The maximum term is 7 years.
    • Fixed and variable interest rates are offered.

  • What you need to know

    • Selected second-hand assets financing is permissible
    • There is no requirement to secure collateral against the asset

    Type of assets financed

    For assets to be considered acceptable for financing through asset finance, they must be:

    • Moveable
    • Freely transferrable in title
    • Identifiable
    • Durable
    • Easy to value and have a predictable value going forward

    Acceptable asset types

    • Passenger, commercial and personal vehicles
    • Trailers
    • Forklift trucks
    • Agricultural equipment
    • Industrial equipment (with a strong resale value on the market)

Structured finance for successful projects. We have a dedicated team to cater for your corporate requirements — locally and globally. We’ll help enhance your projects with a comprehensive set of structured loans. Let’s start doing business today whether you need infrastructure, cross-border, property or syndicated financing. With structured finance you have access to:

specialist
Infrastructure finance support

Our dedicated project finance team offers you hands-on assistance in financing infrastructure projects.

money note icon
Cross-border finance

We can assist you with all of your overseas ventures with regional expertise and the support of our banking network.

directional arrows icon
Property finance

You can count on us for finance for your commercial and residential property needs.

directional arrows icon
Syndicated financing

We actively seek the best corporate solutions for your business through our participation in the syndicated loan market.

  • Infrastructure financing

    • We have the required skills, expertise and experience to apply project finance techniques to finance capital expenditure for big projects.
    • Our project finance team and dedicated account executives appraise projects in sectors ranging from hospitality and energy to real estate.
    • We can assist you with mitigating the project risks, preparing your documentation, arranging financing with other banks and more.

  • Cross-border financing

    Our strong regional presence and close ties with banks worldwide allow us to provide you with several types of business finance solutions.

    Our solutions include:

    • Structured loan finance solutions tailored to the needs of your business
    • Extensive knowledge of local realities and business practices should you wish to operate in a foreign market
    • Providing you with insightful information by using our experienced team and global network

  • Property finance

    Assets under sale and leaseback will be financed through a finance lease:

    • Commercial
    • Residential
    • Mixed-use
    • Integrated Resort Scheme
    • Real Estate Scheme
    • Property Development Scheme
Need more help?

Call us on:
+258 21 344 400

Email us:
linhacliente@absa.africa