How Asset Finance Works

How Asset Finance Works
From application to ownership — Funder Bear gets your client's machine funded with zero deposit and zero fees, start to finish.
Zero Fees to Apply
Zero Success Commission
100% Free, Start to Finish
Lease-to-Own Finance of Commercial Assets up to R10M.
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The Process
Six Steps from Referral to Ownership
A straightforward, end-to-end process designed around the needs of suppliers and their clients — fast, transparent, and fully funded.
Step 1
Supplier Refers the Client
The supplier sends their client the Funder Bear application link. The client completes a short online form and attaches their financials alongside the supplier's invoice for the machine.
No paperwork burden. No lengthy meetings. The supplier simply shares a link and Funder Bear handles everything from there.
Steps 2 & 3
We Match the Deal — and Pay the Supplier Upfront
Funder Bear Matches the Deal
We package the application and place it with the right funder in our network, securing the best available rate and term for the client's profile.
Invoice Purchased in Cash
The end-funder buys the invoice outright. The supplier is paid 100% of the invoice value upfront — no waiting on the client's repayment schedule.
Steps 4, 5 & 6
Client Takes Delivery, Repays, and Takes Ownership
Day One: Machine in Use
The client starts using the equipment immediately — no deposit, no lump sum, cashflow untouched.
18–36 Months: Fixed Instalments
Monthly repayments are sized around the business's cashflow, not the funder's convenience.
Final Payment: Full Ownership
Once the last instalment is paid, ownership of the machine transfers fully to the client's business.
Why It Works
Built for Suppliers and Clients Alike
Funder Bear's model is structured so both parties win — suppliers get paid fast and clients preserve working capital from day one.
Supplier Paid in Full
100% of invoice value, paid in cash upfront — no delays, no partial payments.
Cashflow Untouched
No deposit. No lump sum. The client's working capital stays exactly where it belongs.
Rates 8–15% Lower
Significantly cheaper than a standard business loan, with no collateral required beyond the machine itself.
Equity from Month One
The client builds ownership equity from the very first instalment — not at the end of the term.
What Can Be Financed?
Eligible Assets
Commercial machinery and manufacturing equipment
Industrial plant and processing equipment
Light commercial vehicles under 3 tons
Finance Range
Businesses can qualify for R200,000 up to R10,000,000 — calculated at up to three times the business's average monthly turnover.
Full VAT and warranty benefits remain claimable by the client's business.
Key Benefits at a Glance
Everything in One Place
No Collateral Required
The machine itself serves as the security — no business assets put at risk.
Zero Deposit
Clients access equipment with no upfront capital outlay whatsoever.
VAT & Warranty Claimable
Full VAT input credits and manufacturer warranties are retained by the client's business.
R200K – R10M Range
Suitable for SMEs at every scale, from a single machine to a full production line.
FAQ
Frequently Asked Questions
How much can a business qualify for?
Up to three times the business's average monthly turnover, within the R200,000–R10,000,000 range.
Does Funder Bear charge the client?
No. Applying is entirely free. Funder Bear takes zero success commission from the client — our fee is paid by the funder.
How long does approval take?
3–5 business days from a complete application — including financials and the supplier's invoice.
What assets can be financed?
Commercial machinery, manufacturing and processing equipment, and light vehicles under 3 tons.
Ready to Get Started?
Whether you're a supplier looking to close more deals or a business ready to acquire equipment — Funder Bear makes it simple, fast, and completely free to apply.
Processing Time
3–5 business days from a complete application.
Cost to Apply
Zero. No fees, no commission, no hidden charges.
Get in Touch
Email us at apply@funderbear.com to submit an application or ask a question.
Apply Now
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