Serving South African Businesses

Fleet & Equipment
Finance Solutions

Flexible commercial vehicle subscriptions and equipment financing tailored for your business growth. From single vehicles to entire fleets.

Apply for Finance Explore Services
R100M+
Per Month Finance Originated
300+
Partner Dealers
1 000+
Businesses Funded
24hr - 2 weeks
Approval Time (pending assets & cost)

Our Finance Solutions

Comprehensive fleet and equipment financing designed for South African businesses

Vehicle Subscription

Vehicle Subscriptions

Flexible commercial vehicle subscriptions with no long-term commitment. Scale your fleet up or down as needed.

Equipment Finance

Equipment Finance

Acquire the equipment and machinery your business needs with competitive financing rates and flexible terms.

Credit Assessment

Credit Assessment

Fast, transparent credit evaluation using advanced risk assessment. Know your approval odds within hours.

Value-Added Services

Value-Added Services

Customer vetting, insurance integration, and telematics solutions to protect your investment.

AIoT Integration

AIoT Integration

Seamless integration with AIoT devices and third-party systems for data-driven fleet insights.

Partner Network

Partner Network

Access our network of verified dealers and service providers across South Africa.

Financed Vehicle Categories

We fund a wide range of commercial vehicles and equipment

Yellow Plant

Yellow Plant

Agricultural Equipment

Agricultural Equipment

Commercial Fleets

Commercial Fleets

About Metal Link Capital

Metal Link Capital serves as a vital strategic partner for commercial dealerships where in-house Finance & Insurance (F&I) agents often lack the technical skills required to navigate complex corporate and commercial finance structures. We actively bridge this gap by acting as an outsourced commercial specialist, directly connecting these dealerships with backend finance houses.

Our commercial finance expertise is highly specialized, focusing specifically on the agricultural and construction (yellow metal) industries. Within the agricultural sector, we work closely with major co-ops to implement proactive solutions, such as securing pre-approved facilities for farmers before the season even begins.

To execute these corporate deals effectively, we rely on a highly integrated operational structure. The partner dealer must perform the invoicing, and all funds are routed through that specific dealer's code and related bank accounts. This ensures the transaction flows smoothly through established institutional channels, allowing us to successfully secure funding for the client and collaboratively earn the negotiated dealer incentive commission (DIC) without disrupting the dealer's existing compliance frameworks.

Why Use a Finance Originator?

See how Smart Asset Finance compares to traditional bank loans

❌ Traditional Bank Loan

  • Interest Rate Higher Prime +
  • Credit Checks Multiple (damages score)
  • Negotiation Biased to bank
  • Turnaround Time 24hr to 2 weeks
  • Bank Commissions Passed to you
  • Total Cost 💰 HIGHER

✅ Metal Link Capital

  • Interest Rate Lower (2% fee capitalized)
  • Credit Checks Single Check Only
  • Negotiation Unbiased, we shop for you
  • Turnaround Time 24hr to 2 weeks
  • Bank Commissions Zero, best deal negotiated
  • Total Cost ✅ LOWER

The Smart Choice: By capitalizing just a 2% fee into your loan, you secure a lower interest rate — saving significantly over the finance term. One credit check, unbiased negotiation, and faster approvals.

💡 The Math is Simple

On a R1 million loan over 5 years, compare traditional bank financing vs Metal Link Capital:

Traditional Bank
12% interest, no fee
R22,244 / month
Total: R1,334,667
Metal Link Capital
10% interest, 2% fee capitalized
R21,672 / month
Total: R1,300,319

Result: You save R572/month — that's R34,348 total savings over 5 years, or R14,348 net after the R20,000 fee.

Even with the 2% fee capitalized, the 2% lower interest rate means you break even by month 35 — everything after is pure profit.

Apply for Finance

Ready to grow your fleet? Contact us for bespoke commercial finance solutions.

Email: info@mlcapital.co.za

🏢 Company Details

📞 Contact Details

📍 Business Address

💰 Finance Requirements

📊 Financial Details of Asset

🏦 Bank Details

🛡️ Insurance / Broker Details

📋 Required Documents

  • Brief background information on the company operations, contracts in place (if applicable)
  • Latest company Financials and up to date management accounts (Balance Sheet and Income Statement)
  • Latest 6 months company bank statements
  • Personal assets and liabilities of all directors/members
  • Debtors and Creditors List
  • Quote for asset(s) to be financed

TERMS AND CONDITIONS

Metal Link Capital gathers & processes your personal information for the expressed purpose of Asset Finance.

  1. In terms of the POPI Act, we verify your personal information as prescribed by legislation and as provided in the application.
  2. We process personal information for asset finance to conclude the transaction as part of the services requested from us.
  3. When the application gets submitted to a Credit Provider, a credit check will be conducted by the Credit Provider.
  4. The FIC Act of 2001 requires that personal information gets verified and disclosed to prevent & detect: fraud, money laundering, criminal activity and the identification of proceeds of unlawful activities.
  5. We process personal information in terms of obligations imposed on us by legislation: FAIS Act of 2002; POPI Act of 2013; FIC Act of 2001; NCA of 2005.
  6. Personal information gets shared when the application gets submitted to the Credit Provider; further processing will take place by the Credit Provider.
  7. An initiation fee of 2% (excl. VAT) of the asset value will be charged, capitalized into the finance amount. Should 2% be less than R10,000 (excl. VAT), a minimum fee of R10,000 (excl. VAT) will apply. All fees are payable upon successful funding of the application.

APPLICANT'S DECLARATION:

  1. I / We declare that the information provided is correct, and that no information was withheld or misrepresented.
  2. I/ We give authorisation that my/ our auditor and banker may be contacted, and grant permission to my/ our auditor and banker to disclose confidential details of my/ our accounts and financial statements, and provide the Credit Provider with copies of such financial information.
  3. I/ We consent to enquiries with any Credit Bureau from the Credit Provider on my/ our historic credit history.
  4. I/ We understand and accept the initiation fee of 2% (excl. VAT) of the asset value, or R10,000 (excl. VAT) minimum whichever is greater, as detailed in the Terms and Conditions above.
  5. I/ We understand the Terms & Conditions. By signing this application, I/ We accept the Terms & Conditions as set out above.
  6. I/ We confirm that we are duly authorised to consent to the above.