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- Property Bridging Finance: Clients may qualify for advances of up to 50%–80% of the net equity available in a pending property transaction. The loan amount is based on the verified surplus after deducting any outstanding municipal charges, agent commissions, or bond liabilities.
- Road Accident Fund (RAF) Advance: Advance amounts range between 40% and 75% of the value of the confirmed settlement or court order. Funding is subject to verification of the signed settlement agreement or legal mandate, and is typically facilitated through a cession of proceeds.
Interest rates are structured in accordance with the risk profile, duration, and asset class, and are fully compliant with the NCA and NCR guidelines:
- Initiation Fees: A once-off setup cost levied at inception of the facility.
- Valuation Fees: May apply to high-value physical assets or property to determine market value.
- Daily Interest Charges: Calculated on the principal balance outstanding until settlement.
- Administration or Insurance Fees: Where applicable, to ensure asset security and regulatory compliance.
All fees are transparently disclosed in the pre-agreement statement and quotation, in accordance with Section 92 of the NCA.
- Bridging Finance: Repayment is structured as a once-off settlement upon transfer or bond registration. Relief Capital liaises directly with the conveyancing attorney, and funds are deducted from the sale or bond proceeds before distribution.
- RAF Advance: Repayment is made via the client’s legal representative, upon receipt of funds from the Road Accident Fund. No monthly instalments are required, and clients are not responsible for repayment outside the cession arrangement.
- Bridging Finance: Funding can be disbursed within 12 to 24 hours post-verification of documentation and attorney confirmation.
- RAF Advance: Typically, finalised within 1 to 3 business days, subject to receipt of settlement documentation and attorney cooperation.
Eligibility is determined based on:
- Confirmed pending property sale or transfer.
- Active bond registration in process (for bridging finance).
- Signed RAF settlement agreement or court order (for RAF advance).
- Acceptable collateral (see section “Assets We Accept”).
- Compliance with FICA, POPIA, and NCA requirements.
We do not provide unsecured loans and do not fund clients without verifiable documentation.
While we conduct credit bureau enquiries as part of our due diligence, our finance model is predominantly collateral-based. A low credit score does not automatically disqualify applicants, provided that the underlying asset or claim is valid and enforceable.
Relief Capital accepts a wide range of assets, including:
- Residential and commercial property
- Legal claims backed by settlement agreements or court orders
- Developer equity in active or approved real estate projects
For a full list, see the "Assets We Accept" page.
No. All fees, interest, and charges are disclosed upfront. Relief Capital adheres to a full-cost transparency model and provides clients with a clear repayment schedule and quotation document, as prescribed by South African financial regulation.
Yes. Clients may elect to settle their loan prior to the agreed repayment event. In such cases, interest is calculated only up to the early settlement date, and no penalties are imposed for early repayment.
The application process is outlined in our "How to Apply" section, but generally includes:
- Submitting an enquiry via our website, WhatsApp, or phone.
- Providing supporting documentation: e.g., sale agreements, RAF orders, proof of ownership.
- Risk and asset assessment by our internal credit team.
- Execution of legal agreements and disbursement of funds to verified bank accounts.
All applications are treated with strict confidentiality and processed in accordance with the Protection of Personal Information Act (POPIA).