Empowering Employees with Safe, Accessible Short-Term Credit.
At JB Capital Co, we provide your employees with convenient access to a short-term credit facility starting from R500. Our Employee Assistance Programme (EAP) helps your staff manage unexpected financial needs—like school fees, medical emergencies, or personal expenses—safely and responsibly, with no risk or cost to your business.
Employees no longer need to turn to their employer for help or rely on unscrupulous money lenders. Our tailored programme ensures financial support is simple, accessible, and transparent, making it easier for employees to focus on work while taking care of their financial needs.
Quick Access
Employees receive loan approval within 24 hours, with funds deposited directly into their accounts within 48 hours.
No Risk to Employer
Loans are fully managed and administered by JB Capital Co, requiring minimal involvement from your business.
Transparent Process
All terms are clear, repayments fixed, and there are no hidden fees or unexpected charges during the loan term.
Convenient Payroll Deductions
Repayments are automatically deducted from salary or wages, ensuring timely repayment and minimal effort for HR.
Employee Support
Provides staff with safe, accessible credit for emergencies, helping improve financial stability and workplace satisfaction.
Simplified Employee Loans
No risk or cost to the employer
Minimal administrative effort required
Payroll deduction ensures easy, automatic repayments
Fast processing: employees receive approval within 24 hours and funds within 48 hours
Reduces absenteeism by eliminating the need to visit banks or financial institutions
How the Application Process Works
Application
Employees fill out the loan application form with accurate personal and banking details, ensuring all required information is correctly provided.
HR Approval
The employee secures a signature from their Manager or HR Department to confirm eligibility and company support for the loan request.
Documents
Application form and latest payslip are submitted to HR or Payroll, who will verify and prepare documents for JB Capital Co processing.
Loan Process
JB Capital Co reviews the application, approves the loan within 24 hours, and transfers funds directly to the employee’s bank account.
Repayment
Repayments are deducted automatically from the employee’s salary, with complete transparency and accuracy throughout the loan term.
