SMALL BUSINESS SERVICES

see money differently

Whether you are starting a business, running an established enterprise or looking to expand, you need a reliable and affordable banking partner that understands the challenges of your business and responds with flexible solutions to your needs.

Nedbank has extensive experience in serving businesses.

We offer a comprehensive suite of payment, investment and finance solutions, as well as specialistindustry services that extend beyond banking.

We are here to create a seamless banking experience for you, your business and your employees.

Whether face to face with your dedicated relationship banker or through 24/7 digital or self-service channels, you choose the most convenient way to deal with us.

DEAR BUSINESS OWNER

CONtENtSDay-to-day banking and payment solutions 4Daily management of money flows made secure and easy.

Investments to suit your business aspirations 6Plan for the future, reach your financial goals and make sure your cash works as hard as you do.

Flexible finance for your business 8Obtain funding to unlock growth or bridge short-term cashflow needs.

Industry expertise with tailored offerings 10Unique solutions and expert knowledge for clients operating in the agricultural, medical and franchise sectors.

Insurance and risk management solutions 12Ensuring business continuity and that all your risks are covered.

Banking and Beyond™ services 14Practical tools and support to assist in the management of your business.

ContaCt Centre wIth 24/7 supportYour dedicated contact centre team is a committed team who are on call for you 24 hours a day. They can be contacted for enquiries relating to banking, lost cards, credit cards, investments, home loans and vehicle finance. Call 0860 116 400 or email SmallBusinessServices@nedbank.co.za.

24/7 Relationship services.

relatIonshIp BankerYour dedicated Relationship Banker is waiting to partner with you. He/she is well equipped to understand your needs; provide value-added and relevant financial advice, offer education on product features and services, resolve enquiries and manage your credit applications efficiently.

neDBank Money app™ anD onlIne BankIngOffering a secure and convenient way to manage your money on the go. Now as a small-business client you can bank anytime, anywhere. Discover a new way to view and use your money.

• Doyourpersonalandbusinessbankingin one place. Switch between your profiles using one Nedbank ID.• LinkadditionalprofilestoyourNedbankIDand delink them at any time.• Accessrichself-servicefunctionality.

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* eligible spend means all spend (local and international purchases), excluding cash withdrawals, casino chip purchases, fuel purchases, finance or other card charges, fees or taxes levied by Nedbank or the government, purchases of travellers cheques or other negotiable instruments, garage card transactions, budget account instalments and interest thereon, insurance premiums and internet transfers or payments.

BusIness aCCounts that oFFer BIg value Atthecoreofyourbankingrelationshipwithusis a business account. We offer full-functionality accounts on a pay-as-you-use basis, with the option to link a cheque and credit card, notifications and membership to our Greenbacks programme. Or save up to 40% in monthly banking fees by opting for one of our bundled accounts, which include free transactions, rewards, discounts on merchant services and more – all for a single monthly fee. We also offer special-purpose accounts for trusts and attorneys.

a wIDe range oF payMent aCCeptanCe optIons Choose between our desktop, portable and/or e-commercesolutions.AskaboutPOSplus™, a comprehensive business management and point-of-sale suite. It includes a device, customisable website and e-store, inventory management and insights, and is suitable for any business.

BusIness CarDs that suIt your neeDsMastercard®andAmericanExpress®cheque,creditand garage card options are available, depending on the needs of your business. Earn Greenbacks on eligible spend.*

Cash-hanDlIng servICes Deposit cash using our Intelligent Depositor, available at selected branches. Our cash centre services and onsite cash devices are ideal for high-volume cash businesses.

gloBal traDe anD CrossBorDer payMents Conduct trade flow and mitigate the operational and financial risks associated with crossborder payments with access to our global banking experts or our online trading platform.

DAY-tO-DAY BankIng anD payMent SOLUtIONS

You can enable, monitor and authorise the payment flows in your business with our secure, reliable and easy-to-use transactional solutions.

Get the most out of your surplus cash.

FlexIBle InvestMent optIonsManage your surplus funds and ensure that your investment choices give you an optimal return while meeting your working capital and liquidity requirements.

Nedbank offers a wide range of investment options for individuals and businesses. From simple savings and money market accounts to unit trusts, share trading and more complex investment options. The choice is yours based on your specific risk appetite, cashflow needs and required returns.

FInanCIal plannIngYour relationship banker is there to guide you or introduce you to a qualified financial planner if you want to look at your investment portfolio more holistically. Our comprehensive financial planning service includes will drafting, estate planning, tax advice and trust services to make sure your business becomes your legacy.

preFerentIal ratesYour banker can source tailored rates for investments over R250 000.

For investments over R10 million professional services from the Treasury Desk are available to suit your specific needs.

Put your spare cash to work and choose from simple savings and money market accounts to a more complex investment service.

InvestMents tO SUIt YOUR BUSINESS ASPIRAtIONS

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Access the right finance to grow.

Allcreditapplicationsaresubjecttofinalcreditapproval.Termsandconditionsapply.

FlexIBle FInanCe FOR YOUR BUSINESS

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Boost your CashFlow anD Free up workIng CapItalCashflowisthelifebloodofeverybusiness.Asyourfinancial partner, we can improve your cashflow cycle, unlock additional cashflow or put in place facilities to cater for unforeseen events.

From traditional overdrafts and credit card facilities to innovative products such as invoice discounting (which can unlock up to 80% of your debtors book) andGAPAccess(acashadvanceonthebackofyourmerchant device turnover), we will help you select the best financial solution.

expanD your BusInessBuying more vehicles? Expanding your operations? Movingtobiggerpremises?Letusfinanceyourvehicles, equipment and owner-occupied property on flexible terms and rates.

explore terM loans, Buyouts or other speCIalIst solutIons For more complex finance needs talk to us about our specialist finance solutions.

Benefit from our industry expertise.

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ContaCt us

AGRICULTURE agriculture@nedbank.co.za

FRANCHISING franchise@nedbank.co.za

MEDICAL medical@nedbank.co.za

agrICultureOur agriculture specialists offer a range of solutions tailored to the agriculture sector, including seed finance, crop and livestock cover and import and export financial services.

NedbankAgriBusinessfocusesonthefollowingmarkets:• agronomy, eg grains, oil seeds, sugar and cotton.• horticulture, eg fruit, wine, vegetables and forestry.• livestock, eg dairy, beef, poultry and game farming.• secondary agriculture, eg processing and

packaging.

FranChIsIngOur national Franchise Unit in Johannesburg is working closely with many of the leading franchise brands in the restaurant, fuel and retail industries to offer flexible, relevant and cost-effective banking packages for their franchisees.

Talk to our team of specialist bankers if you are to:• enter the franchise business as a new franchisee;• revamp your existing franchise (renovations and

refurbishments); or• acquire further outlets.

MeDICal-praCtICe BankIng Whether you are starting a practice or investing in new premises or equipment, we have a wealth of industry solutions to support you, such as:• financing of specialist medical equipment;• a medical-practice account, which can be used

to manage the daily transactional needs of your practice, such as receiving medical-aid payments;

• point-of-sale devices at tailored rates; and• investment or insurance options to meet the

needs of your practice.

InDustry expertIse WItH tAILORED OFFERINGS

We have specialists with indepth knowledge to understand your unique challenges.

Protect your business against everyday risks.

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Businesses are constantly exposed to risks, and as a business owner youareusedtomanagingthese.Buthaveyouplannedformajorevents – the unforeseen and the unexpected?

You need to make sure your critical assets are protected against damage, that your business can continue in the event of death or disablement of your key staff and that you have a solution to dealing with partners leaving the business.

Because each business is different, we will help you identify which risks are applicable to your business so you can position yourself to deal with them.

Nedbank offers comprehensive risk management services, tailoring the right insurance cover and risk management solutions for your business.

Your relationship banker can introduce you to one of our specialists to make sure your business endures, no matter what.

You’ve put in the hard work to grow your business – make sure it is protected.

InsuranCe anD rIsk ManageMent SOLUtIONS

Get tools and advice to fuel your business aspirations.

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sIMplyBIz®SimplyBiz is a digital community offering a comprehensive selection of resources, business tools and financial solutions for you, your business and your employees. SimplyBiz was created for business owners by business owners and is powered by Nedbank. EngagenowbyjoiningsimplyBiz.co.za.

your guIDe to BusIness essentIalsAsyourbankingpartner,wewanttohelpyouunderstand and handle the complexities of starting and running a business. We have developed a guide, The Essential Guide for Small-business Owners, that touches on some of the basic decisions every business owner faces. This will help you to be better prepared for your engagements with the bank and avoid common mistakes so that you are set up for success from the start. Visit nedbank.co.za/business/smallbusinessservices to get a copy.

BusIness regIstratIon servICes Register your business online with the Companies and Intellectual Property Commission (CIPC) or inbranch through SwiftReg and open a business account online in one seamless process. Visit nedbank.co.za/business to apply.

enterprIse DevelopMentNedbank supports various enterprise development initiatives to develop small-business skills through access to mentoring programmes, holistic banking services and funding.

BankIng anD BeyonD™ servICes

In addition to the traditional banking solutions, Nedbank also offers practical tools aimed at supporting youonyourbusinessjourney.

partnerIng For growthSmall business is the lifeblood of our economy. Through your hard work, passion and dedication you contribute to the growth and wellbeing of our people, our communities and our country.

AtNedbank,weVOTESMALLBUSINESSandsaluteyou!

VOTEsMall BusInessPARtNERING FOR GROWtH

NedbankLtdRegNo1951/000009/06.Authorisedfinancialservicesandregisteredcreditprovider(NCRCP16).

Nedbank 135 Rivonia Campus 135RivoniaRoadSandownSandton2196SouthAfricaPOBox1144Johannesburg2000SouthAfrica

For More InForMatIon please vIsItnedbank.co.za

relationship bankers are available to discuss your banking needs.

Contact us today on 0860 116 400.

We are available 24/7 to answer any questions or to arrange an appointment.