How to apply for a loan with us
At Relief Capital, our application process is strategically designed to ensure rapid deployment of funds while maintaining strict adherence to credit risk protocols, regulatory compliance, and collateral integrity. Our approach minimises administrative friction while upholding institutional lending standards.
4.1. Initial Engagement
Prospective clients may initiate contact through the following channels:
- Online application form on our website
- Direct WhatsApp messaging for real-time communication
- Telephonic consultation with a loan specialist
4.2. Document Submission & Preliminary Due Diligence
Upon initial engagement, applicants are required to submit the necessary documentation to facilitate underwriting. Required documents may include:
- Sale agreement, bond approval, or transfer documents for property-related facilities
- Settlement agreement, court order, or RAF attorney undertaking for legal advances
- Proof of ownership or collateral title (e.g., deed of transfer, trust deed, or asset register)
- Identification and FICA-compliant documents
- Credit history or affordability profile, if applicable
4.3. Credit Assessment & Risk Analysis
Our in-house credit risk team performs a robust assessment covering the following:
- Collateral valuation: Determination of the loan-to-value (LTV) ratio
- Exit strategy analysis: Evaluation of how and when the loan will be repaid (e.g., from transfer proceeds, settlement payouts, or property sales)
- Client risk profile: Including affordability metrics, credit score, and historical liabilities
- Legal and operational feasibility: Particularly for development finance or RAF advances
Turnaround time for assessment is typically within 72 hours, subject to the completeness of documentation.
4.4. Facility Approval, Agreement & Disbursement
Once the loan is approved:
- A facility letter and loan agreement are issued, outlining principal amount, interest rate, term, security instruments, and fees
- Upon acceptance of terms and execution of legal undertakings (e.g., cession of proceeds or bond registration), funds are electronically disbursed to the borrower’s nominated bank account
- In most cases, disbursement is effected within 1–2 business days of approval, depending on the product and legal formalities
- Our facilities are non-intrusive, flexible, and aligned with the borrower’s cash flow cycle, ensuring financial relief without unnecessary long-term debt exposure.
Slogan : BRIDGING TODAYS NEEDS by accelerating liquidity