Get up to a 17,5%* off lending rates with Gradetec.
More Detailsinfo@gradeteccorp.com
Updates:
Dear Customer, We have launched other benefits to our graded customers
South Africa's First ,
Behavioral lending partner
We specialize in business financing and are pioneers of the behavioral business lending concept. By combining our innovative business grading system with tailored funding solutions, we enhance outcomes for our clients, support sustainable lending practices, and help your business achieve its growth potential.
Our Range Of Lending Solutions
Our solutions are tailored to the needs of South African businesses and have your best interests at heart
Short-Term funding of between 3-24 months at competitive interest rates.
Pay your suppliers upfront to fulfil your order before receiving payments from your customers.
Funding that allows businesses to borrow money against unpaid invoices.
Funding that helps your business start or complete a project.
We assist you by de-risking your business with our unique grading tool.
Improved Opportunities
Business gradings aim to enhance efficiencies and business opportunities. This unique ...
* Sustainable lending practices.
Behavioral Lending
This is the first attempt at behavioral business lending and is ...
* Get both funded & Rewarded
Grading-Based Financing
A tailored and supportive approach to business financing. Our group company- ...
* Gradings are not credit ratings*
Grading-Based Financing
A tailored and supportive approach to business financing. Our group company- ...
* Gradings are not credit ratings*
Behavioral Lending
This is the first attempt at behavioral business lending and is ...
* Get both funded & Rewarded
Improved Opportunities
Business gradings aim to enhance efficiencies and business opportunities. This unique ...
* Sustainable lending practices.
Eligibility to
Obtain Funding
Eligibility parameters for our funding solutions.
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1
Turnover
Businesses must turnover over R50 000 pm/ R600 000 PA
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2
Operational Age
Business must be at least 1 year old (not exclusive)
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3
Registered in South Africa
The business must be registered in South Africa.
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4
Bank Statements
12 Months of bank statements must be provided.
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Lets get you funded
In 24 Hours!
Interest Rate Calculator
Easily calculate your equated monthly instalment online.
Loan Amount
R1,500,000
Loan Term (Years)
15Yrs
Interest Rate
10%
Your Monthly EMI
R10,250
-
Interest Amount
R720,260
-
Total Amount Payble
R720,260
Loan Amount
R2,000,000
Loan Term (Years)
25Yrs
Interest Rate
12%
Your Monthly EMI
R10,250
-
Interest Amount
R720,260
-
Total Amount Payble
R720,260
Loan Amount
R1,000,000
Loan Term (Years)
20Yrs
Interest Rate
8%
Your Monthly EMI
R10,250
-
Interest Amount
R720,260
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Total Amount Payble
R720,260
Let's Get Your Business Graded!
Gradings are provided to all businesses receiving funding. After the loan is completed, business can select to continue with the grading on a paid basis.
Behavioural Lending
The Grading Approach
CRA Global Development, our group company, pioneered the business grading concept in Africa. This innovative tool serves as a powerful business improvement mechanism, unlocking both funding and growth opportunities for organizations.
With its diagnostic approach, the grading process identifies areas of weakness and provides tailored guidance on the necessary changes to strengthen your business. Its due diligence framework enables third-party verification, offering reassurance to stakeholders and paving the way for new business opportunities for your organization.
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Grading Rewards Benefits
Major Benefts
Dependent On Your Grading Tier
Graded businesses enjoy a wide range of
benefits at participating partners
South Africa's First Business Grading
Rewards Program
A structured program which provides exclusive benefits for running your business well, providing you with an incentive to improve your business grading score.
Get discounted borrowing rates
Discounts at participating rewards partners
Business mentoring services
Personalized rewards card
Apply For A Grading Today
Benefits Within Our Rewards Program
Funding Benefits
Graded businesses get rewarded on their funding rates based on their grading tier, improve your grading score and improve your discount!
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Up To 17,5% Off
Your Funding Rates -
Preferential
Borrowing terms -
Early Repayment
Discounts -
No Hidden Costs Or Fees
Grow Your Business
Business Opportunities
Graded businesses benefit from the comprehensive due diligence that accompanies the grading process. These detailed grading reports, typically spanning 30 pages, can be leveraged when applying for new projects or tenders. They provide potential customers with the assurance that your business has been thoroughly vetted, giving them greater confidence in partnering with you.
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Third-party verfication
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Attach To
Tender Submissions
Partner Rewards
Rewards At Participating Partners
Enjoying extensive discounts on key business related solutions which are linked to your grading tier
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Communication
Discounts -
Printing
Discounts -
Financial Advisory
Discounts -
Travel
Discounts
Questions & Answers
Find answers to all your queries about our services.
Help You to Find
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Are gradings the same as credit ratings?
No, gradings are not the same as credit ratings and are not designed to resemble ...
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What are the fees for Gradings?
Businesses that secure funding through us enjoy a waiver on the initial grading fee for ...
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Are gradings compulsory?
Gradings are compulsory on all lending transactions, however businesses can still obtain funding before the ...
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Can I use my gradings for other purposes?
Yes, your grading report can be shared with third parties you plan to do business ...
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Can I appeal my grading score?
Yes, businesses have the opportunity to appeal their overall grading score or any of the ...
Didn’t get, Click below button to more answers or contact us.
Funding Rates
Below are the funding rates that Gradetec uses to calculate your borrowing rate and cost of capital.
Repo- 7.75%
Prime- 11.25%
CPI 2.9%
PPI -0,1%
JIBAR 7.70%
SABOR 7.731%
USD
-
Receive
:18.6536
AUD
-
Receive
:11.60
CAD
-
Receive
:12.9
JPY
-
Receive
:0.12
SEK
-
Receive
:1.68350
GBP
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Receive
:22.879
Experience A New Way Of Funding
Our Soon To Be Released Mobile Application (Coming Soon)