Please see below Loan Surety/Assets we accept
At Relief Capital, our lending model is firmly rooted in collateralised finance, enabling us to extend short-term liquidity solutions against a diversified portfolio of collateral assets. We specialise in non-bank, asset-backed funding, where the credit decision is largely driven by the market value, legal transferability, and liquidity of the pledged asset, rather than the borrower’s income profile or credit score alone.
Important Notes:
- All assets must be legally owned by the applicant or an associated entity, and free of undisclosed encumbrances
- Independent valuation reports, proof of ownership, and insurance certificates may be required
- Final loan terms are subject to asset inspection, regulatory compliance, and risk underwriting
We accept the following categories of assets as primary forms of security:
Real Estate Assets
Developer Equity in Active Projects
We accept a wide range of immovable property types as collateral, including:
- Residential property (freehold homes, sectional title units, vacant stands)
- Commercial property (offices, retail space, warehouses, mixed-use buildings)
- Development land with zoning rights, engineering approvals, or pre-sales in place
For qualified developers, we offer funding solutions against their unencumbered equity in pre-construction or active real estate projects. This includes:
- Land already zoned for development with full municipal approvals
- Projects with partial build completion and demonstrable exit strategies (e.g., signed sale agreements, bank guarantees, or pre-leases)
- Units in sectional schemes or mixed-use developments with substantiated valuations
- Loan structuring may involve mezzanine finance, second-ranking bonds, or profit participation mechanisms, depending on project viability and risk appetite.
Slogan : BRIDGING TODAYS NEEDS by accelerating liquidity