Commercial Asset Finance

Capital for asset-heavy enterprise.

IIRand Capital structures fast, flexible funding for commercial assets — trucks, machinery, equipment, and cross-border trade. We deploy capital where traditional finance hesitates.

Mandate Size
R2M+
Minimum ticket
Turnaround
7–14d
Qualified deals
Coverage
ZA + SADC
Primary markets

Built for the businesses banks won't touch.

IIRand Capital is a specialist commercial asset finance and capital solutions firm — structured to move fast on complex, high-value transactions that fall outside the risk appetites of traditional lenders.

We operate where deal structures are bespoke, where counterparties are sophisticated, and where speed and execution precision determine whether a mandate closes or collapses.

Our desk underwrites, structures, and deploys capital for asset-heavy businesses across transport, machinery, infrastructure, and cross-border trade. We are not a bank. We are capital deployed on commercial logic.

Speed as Strategy

Qualified deals close in 7–14 days. We prioritise execution velocity because commercial windows don't wait for credit committees.

Structural Precision

Every transaction is custom-structured. We price risk properly, align incentives clearly, and build contracts that hold under commercial stress.

Qualified Counterparties Only

We engage serious operators — companies with real assets, legal capacity, and commercial rationale. Engagement begins with an NDA.

Capital deployment across the stack.

Asset Finance

Capital deployed against hard assets — trucks, machinery, equipment. We structure lease, purchase, and refinance deals for asset-intensive operators.

  • Fleet acquisition & refinance
  • Heavy machinery finance
  • Equipment leasing structures
Working Capital Solutions

Bridge financing, inventory funding, and short-term liquidity for businesses with predictable cash conversion but timing constraints.

  • Trade finance & inventory funding
  • Invoice discounting structures
  • Bridge capital for operations
Infrastructure & Projects

Capital for commercial infrastructure, utilities, and project-based deployments where returns are tied to asset performance and contract tenure.

  • Utilities & infrastructure assets
  • Built-environment projects
  • Long-duration contract backing
Cross-Border Trade Finance

Structured finance for import/export operations, commodities trade, and SADC cross-border transactions requiring specialised capital and legal frameworks.

  • Import/export facilitation
  • Commodities & bulk trade
  • SADC regional financing
Refinance & Restructure

Exit capital for distressed positions, balance sheet optimisation, and capital restructuring for businesses locked into unfavourable terms.

  • Debt refinancing & consolidation
  • Balance sheet restructure
  • Distressed asset recovery
Bespoke Structures

Non-standard deals requiring custom legal architecture, hybrid instruments, or multi-party coordination. We build structures that fit the mandate.

  • Hybrid debt-equity instruments
  • Multi-stakeholder arrangements
  • Off-market transaction design

Capital for the real economy.

We specialise in the asset classes that drive industrial growth — sectors where commercial intelligence, legal precision, and speed of execution matter more than box-checking credit policy.

Transport Fleets
Trucks, logistics, mobility
Machinery
Industrial, heavy equipment
Infrastructure
Built-environment & utilities
Equipment
Plant, tooling, specialised
Cross-Border Trade
Import, export, commodities

How a mandate moves through the firm.

From first inquiry to deployed capital, our process is deliberate, transparent, and built around qualified counterparties. Every mandate begins with an NDA and ends with a structured outcome.

01
Inquiry & NDA

Qualified counterparty engages the desk. NSNC NDA is executed before any sensitive detail is exchanged.

02
Scoping & Diligence

Legal, commercial, and capital review. We assess the asset, the counterparty, and the structure simultaneously.

03
Structure & Terms

Bespoke transaction architecture — not a product selection. Terms sheet reflects the specifics of the mandate.

04
Execution & Stewardship

Capital deployed, contracts closed, ongoing asset management where the mandate extends beyond the placement.

Let's structure something considerable.

Engagement begins with an NDA, review of contracts, and controlled access to the mandate timeline. Our Capital Markets desk responds to qualified inquiries within one business cycle.

Capital Markets
Office

Floor 27 / 163 5th Street
Sandown, Sandton, 2031
Johannesburg, South Africa

Disclaimer · The materials and information provided by IIRand Capital are presented for general informational purposes and should not be considered an offer to sell or solicitation to purchase securities or financial products. Qualified counterparties should conduct independent due diligence and consult professional advisors. Past performance does not guarantee future outcomes.