Express Funding Solutions offers operating rental finance options, whereby you can begin using an asset immediately without having to pay the full purchase price upfront. This helps retain cash within your business for working capital needs and enhanced liquidity and resilience.

How can we help you?

EFS rental agreements for businesses involve a structured payment plan that’s compatible with your cashflow requirements and won’t add excessive gearing or strain onto your company finances. Renting rather than buying removes the administrative burden of maintaining a fixed asset register – so you can focus on running your business, rather than spending time on depreciation schedule calculations. The VAT element of your monthly rental payments can also be claimed back from SARS as part of your regular VAT submissions.

Why choose us?

There are many benefits to choosing operating rental assistance from EFS. This method of accessing funding is easier and quicker to arrange – and more likely to be approved – than trying to set up a line of credit with a bank or traditional lender.

With no deposit required, your initial capital outlay is further reduced. Combined with escalation model options (whereby payments increase over time), this means that you’ll have more cash where you needed – in your business.

Your tax burden can also be reduced through choosing operating rental assistance from EFS. As rentals are 100% tax deductible as an operating expense, your income tax obligations are reduced. Furthermore, VAT levied on the rental will be regarded as input VAT and may be claimed against any output VAT your business collects. As VAT is collected on each monthly rental payment, it is not capitalised upfront.

In short, you can retain cash in your business as working capital, whilst still procuring the assets you need to offer your clients enhanced service or a more diverse or deeper offering and benefitting from tax breaks.  

How it works

As part of our approval process, EFS may require copies of the latest audited financials for your business, signed by the directors - or current management accounts if your financials are more than 6 months old. Shareholders’ personal asset and liability statements may also be required.

Before applying, it’s important to understand certain key features of operating rental finance. Our experts can answer any questions you may have.


Transactions are quoted on a fixed rate and will not be affected by interest rate fluctuations.


Payments are due monthly in advance from the commencement date of the contract.


Comprehensive risk insurance to be arranged by the User, noting Hirer’s interest.  Proof to be provided. 


VAT is levied at the prevailing rate of 15% on each rental payment.

Apply now

To learn more about how an EFS operating rental could benefit your business, please contact us today.