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Cash-backed Lending

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For those special circumstances when it makes sense to leverage your deposits held abroad to create value locally.

Benefits of cash-backed loan

Instant access

Leverage call deposits you hold as collateral for a short- to medium-term loan

Favourable terms

Borrow up to 100% of the value of your deposits for same-currency loans

Flexibility

Should circumstances dictate, you could raise a guarantee against your deposits instead

Easy terms

Choose to repay only the interest or amortise the capital amount over the loan term
How it works
  • A special-purpose loan against international deposits in a Call or instant access account
  • The deposit value has to match the loan amount for the duration of the loan
  • 100% loan-to-value is possible if no currency risk exists
  • When currency risk is present, a security margin of 10% or 20% is required
  • Interest is applied quarterly in arrears
  • A renewal facility available
  • A minimum balance equivalent to the loan amount must be held and mandated to the Bank for the full term of the loan

See Cash Backed Lending Factsheet

What you need
  • An existing Standard Bank instant access account
  • How it works
  • What you need
  • A special-purpose loan against international deposits in a Call or instant access account
  • The deposit value has to match the loan amount for the duration of the loan
  • 100% loan-to-value is possible if no currency risk exists
  • When currency risk is present, a security margin of 10% or 20% is required
  • Interest is applied quarterly in arrears
  • A renewal facility available
  • A minimum balance equivalent to the loan amount must be held and mandated to the Bank for the full term of the loan

See Cash Backed Lending Factsheet

  • An existing Standard Bank instant access account
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