Insurance-Backed Finance
The bank said no. You still need the equipment.
We structure insured equipment finance funders will back. Up to 90% of the deal covered against default, your existing bank facilities left free. The insured structure is what unlocks the yes.
Sound Familiar?
You found the equipment. The numbers work, the business case is there, you're ready to buy. But the bank won't fund it. Not enough collateral, too little history, or the asset just doesn't fit their box. The deal stalls before it starts.
You don't want to drain cash or tie up the facilities you rely on to keep trading.
The equipment you need stays just out of reach.
Only 1 in 3 South African businesses can access credit (UNDP, 2024). Globally, 8 out of 10 equipment buyers need financing to close (ELFA, 2022). When the bank won't move, the deal doesn't have to die.
Plant, agriculture, mining, medical, manufacturing.
Multi-million rand deals across the sectors where banks won't move alone.
What Happens When You Send Us the Deal
- 1
You Send Us the Deal
Forward the equipment, the supplier quote, and your numbers. We come back within 48 hours.
- 2
We Structure the Deal
Where the deal needs it, we place credit insurance covering up to 90% against default. That insured structure is what makes a funder say yes where the bank said no.
- 3
The Funding Gets Unlocked
We place it with a specialist funder, or structure it with your own bank. Your existing facilities stay free.
- 4
You Get the Equipment
The asset is funded and delivered. You trade, your facilities stay intact, and you build an insured track record.
Domestic and African cross-border equipment deals covered
Not every deal needs insurance. When it stands on its own, we structure the cleanest finance available. When the bank won't move, the insured structure is what unlocks the yes.
Two Ways to Get the Deal Done
OPTION A
A Specialist Funder
We place the deal with a specialist funder who carries the asset over the term, typically 3 to 5 years for equipment. The insurance protects them, so they say yes where the bank said no.
- Funded without touching your bank facilities
- Up to 90% of the deal insured against default
- Fixed terms over the asset life
- Structuring handled for you
Bank facilities left free
OPTION B
Structured With Your Bank
Prefer to use your own bank? We structure the insured deal so they can back it, with the policy ceded as security. You keep the relationship and build an insured track record.
- Keep your existing banking relationship
- Policy ceded as security on the facility
- 90% covered against default
- Insured track record for future lending
Your bank, de-risked
Beyond the asset
It isn't only the equipment. We structure working capital and overdraft facilities alongside the asset finance, so you have the cash-flow headroom to actually trade once the kit lands. One conversation covers both.
Sell equipment? When your buyer can't get funded, we can. See how we finance your buyers so more of your sales close.
For suppliers & OEMs →The bank said no? Let's get the deal funded.
Insightflow (Pty) Ltd · Authorised Financial Services Provider (FSP 46090)