Property-Backed Capital Gauteng
Structured, Short-Term Capital Against Business Property
Eido Capital provides property-backed finance to registered business entities in Gauteng. Access short-term liquidity against fully owned residential or commercial property, without asset disposal or long-term bond arrangements. Get capital structured with confidence.
Individual transaction assessment based on property, applicant entity and proposed use and exit of funds. Minimum facility: R500,000
What is Property-Backed Capital?
Property-Backed Capital is a short-term, asset-backed capital solution. It allows a business entity to unlock liquidity from property it already owns, without selling the asset or taking on a long-term bond. Terms are tailored to the specific transaction and exit plan.
How Property-Backed Capital Works
A registered company owns a fully unencumbered commercial property in Gauteng with an assessed market value of R3,000,000. The business requires R1,200,000 for a time-sensitive investment opportunity. Eido Capital structures a property-backed facility of up to 50% of the assessed value (R1,500,000), advancing R1,200,000 against the property for a 6-month term. Repayment is structured to suit the client – either as a single settlement at term end, or with monthly interest servicing and capital repaid at term end. The property remains in the company’s name throughout.
Who is Property-Backed Capital Designed For?
Property-Backed Capital is available exclusively to juristic persons (formally registered business entities) based in or holding property in Gauteng.
Qualifying Clients for Property-Backed Capital
- Private companies (Pty Ltd)
- Close corporations (CC)
- Trusts (considered on a case-by-case basis)
Sole proprietors and private individuals do not qualify for this product.
Applicant Entity Requirements
To be considered, the applicant entity must own residential or commercial property that is fully paid up and unencumbered. Thus, no outstanding bonds, registered encumbrances, or charges against the title can be present. A clear purpose and defined exit strategy for the facility are required.
Qualifying transactions include:
- Investment property transactions
- Short-term capital requirements for business or operational purposes
This capital solution is typically used for time-sensitive or opportunity-driven capital requirements.
Typical Use Cases
- Bridging short-term cash flow or liquidity gaps
- Funding time-sensitive transactions or investments
- Unlocking value from property without disposal
- Supporting operational or strategic business initiatives
- Managing timing mismatches between inflows and obligations
Apply for Property Backed Finance in 6 Steps
Step 1: Apply Online
Begin your application online. Property-backed capital is currently available in Gauteng. Our team will review your submission and make contact within 24 hours.
Step 2: Submit Documentation
Provide all required documents (see list below) so the assessment can begin without delay.
Step 3: Property Assessment Within 24 Hours
Eido Capital’s team reviews your application and provides structured feedback within 24 hours of receiving documentation. A third-party valuation of the property may be required at the applicant’s cost.
Step 4: Personalised Offer Issued
You receive a structured finance offer with amount, term, fees, and repayment schedule clearly set out.
Step 5: Agreement Finalised
Once the offer is accepted, Eido Capital confirms approval and finalises the agreement.
Step 6: Capital Released
Once all documents are signed, Eido Capital releases the agreed capital directly to your nominated business bank account.
Documents Required for Property-Backed Capital
- Title deed or proof of ownership, confirming the property is fully unencumbered
- Property valuation report (at the cost of the applicant)
- Company registration documents
- Identity documents of directors or authorised representatives
- Supporting information regarding the use of funds and the repayment strategy
Additional documentation may be required depending on the transaction.
Key Features
- Capital structured against unencumbered residential or commercial property
- Minimum facility size: R500,000
- Short-term duration - typically 3 to 12 months
- No upfront application costs
- Full disclosure of pricing and structure prior to acceptance
All facilities are subject to valuation, legal structuring, and internal approval.
Discuss a Transaction in Confidence
If your business owns unencumbered property and requires structured capital, our team is available to assess your requirements confidentially.
Frequently Asked Questions
What facility sizes are available?
The minimum facility size is R500,000. Property-Backed Capital is structured for higher-value, business-purpose transactions.
What percentage of property value can be advanced?
Up to 50% of the assessed property value, depending on property type, transaction structure, and risk profile.
What are the typical finance terms?
Facilities are generally structured over 3 to 12 months, depending on the transaction requirements.
Can a trust apply for property-backed capital?
Trusts may be considered on a case-by-case basis. Contact Eido Capital to discuss your entity structure before applying.
Why does property-backed capital require an independent valuation?
An independent valuation of the property ensures the facility is appropriately structured relative to the current market value. Eido Capital can recommend accredited valuers if needed. The cost of the valuation is for the applicant’s account.
How long does the process take?
An initial assessment is conducted within 24 hours of receiving documentation. The valuation and structuring process is typically completed within 3 to 4 weeks. Capital from asset-backed finance is released upon completion of all legal and security requirements.