πŸ›‘οΈ R20 Million Public Liability Insurance  |  πŸ† Level 1 B-BBEE Contributor  |  Established 2013  |  Nationwide Coverage  |  20+ Years Industry Experience  |  Complimentary Technology Assessments
Level 1 B-BBEE Established 2013 Nationwide

Asset Finance & OPEX Solutions

Get the technology your business needs today without a large capital outlay β€” spread the cost and protect your cash flow.

No obligation β€’ Response within one business day

Book your free technology assessment

Tell us where you'd like to save time or money. We'll come back with a tailored plan.

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Asset Finance & OPEX

Modernise now, pay as you grow

Our Asset Finance and OPEX options let you deploy ICT, telephony and security equipment as a predictable monthly operating expense instead of a large upfront capital purchase β€” preserving cash flow and keeping your technology current.

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Preserve cash flow

Avoid large upfront spend and keep capital working in your business.

  • No heavy CAPEX
  • Predictable monthly cost
  • Budget with confidence
πŸ”„

Always current tech

Refresh and scale equipment as your needs change, without being stuck with ageing assets.

  • Easy upgrades
  • Scale up or down
  • Avoid obsolescence
πŸ“

Simple & flexible terms

Tailored finance structures to suit your business and cash-flow profile.

  • Tailored terms
  • Fast approval
  • One partner, end to end
Worked example

Finance your technology instead of buying it

Deploy R101,500 worth of technology without a large upfront capital investment β€” for a predictable monthly rental.

R101,500 solution β€” a real-world example

Equipment value (excl. VAT)R101,500.00
Rental factor37.29
Monthly rental (excl. VAT)R3,784.94
Contract term36 months
Escalation0%
Upfront capitalR0 (subject to approval)
Total rentals paid (excl. VAT)R136,257.84
R3,784.94
per month (excl. VAT)
Request a Quote

Illustrative example only. Figures exclude VAT, are payable monthly in advance and include asset insurance. Your rental factor depends on your business turnover, deal size, term, escalation and insurance options, and is linked to the prime overdraft rate. Final pricing is subject to credit approval.

Ideal for
Software & VOIP Managed IT infrastructure Telephone systems CCTV Access control Networking equipment Servers Laptops & PCs
Finance through trusted partners

A simple 5-step approval process

Jovien Communications works with leading South African asset finance providers, including Sunlyn, to help businesses preserve cash flow while investing in technology.

1

Choose your solution

Select the technology your business needs.

2

Receive a quotation

We prepare a quotation from Jovien Communications.

3

Submit your application

Submit your finance application with the required documents.

4

Credit approval

The finance provider assesses and approves your application.

5

Install & go live

Installation takes place and your monthly rental begins.

Typical approval: 24–72 business hours for complete applications.

Eligibility

Who can apply?

RequirementDetails
Minimum finance valueFrom R10,000 (subject to funder criteria)
Business trading periodTypically 12 months or more
Business typeCC, (Pty) Ltd, Sole Proprietor, Partnership or Trust (subject to funder policy)
Required documentsCompany registration documents, directors' IDs, recent bank statements, financial information where required, proof of business address

Eligibility and documentation requirements are subject to the finance provider's assessment.

Customer example

Manufacturing company

A complete technology upgrade β€” with zero upfront capital

Manufacturing β€’ Total solution value R285,000 β€’ 36-month rental

The challenge

  • New hosted PBX
  • 35 Yealink phones
  • Network switches
  • UPS systems
  • Installation

The finance solution

  • No upfront capital payment
  • 36-month rental
  • Predictable monthly operating expense
  • Equipment installed within two weeks of approval

The outcome

R0
Upfront capital outlay
R285k
Technology deployed immediately
2 weeks
From approval to installed

Preserved working capital, tax-efficient operating expenditure (subject to professional tax advice), technology deployed immediately, and simplified monthly budgeting.

Questions answered

Asset finance FAQ

How quickly can my application be approved?
Many applications receive an outcome within 24–72 business hours, provided all required documents are submitted.
What can be financed?
Eligible items typically include software and VOIP, telephone systems and desktop phones, computers and laptops, servers, CCTV equipment, access control equipment, networking equipment, Wi-Fi equipment, and cybersecurity solutions.
Do I need to pay a deposit?
No deposit is required upon approval.
What finance terms are available?
Common terms include 24, 36, 48 and 60 months. Availability depends on the asset type and finance provider.
Can I upgrade before the end of the agreement?
Many finance providers offer technology refresh or upgrade options. Terms vary and can be discussed during your finance review.
Can startups apply?
Yes, although approval criteria may differ for newer businesses and additional information may be required.

Invest in technology without the capital outlay

Transform your technology into a predictable monthly operating expense with flexible asset finance from Jovien Communications. Contact us today for a free finance assessment and customised rental quotation.

πŸ“ž +27 12 574 0725  |  +27 31 108 0242  |  βœ‰οΈ info@jovien.co.za

Book your complimentary technology assessment

Let Jovien assess your environment, identify cost savings and recommend the right solution β€” no obligation.

Or call us: +27 12 574 0725  |  +27 31 108 0242  |  info@jovien.co.za

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