Smart Financing for Seamless Construction
Unlock flexible credit and manage your project finances with ease.
Understanding ConSmat's Credit Model
Our 12-month smart credit facility is engineered for the construction industry. It provides the flexibility of a credit line with the predictability of a loan, ensuring you have capital when you need it most, without the rigidity of traditional financing.
12-Month Tenure
Enjoy a generous 12-month credit period to manage material procurement without financial stress.
Usage-Based Credit
Draw funds as you need them, ensuring you only pay interest on the amount you actually use for your project.
Linked to Progress
Your credit line is tied to project milestones, providing a smarter way to manage cash flow and disbursements.
Transparent Interest & Flexible Repayment
We believe in clarity. Our interest rates are competitive, and our repayment cycles are designed to align with your project's revenue stream. No hidden fees, no surprises—just straightforward financing.
- check_circle Competitive, fixed interest rates for predictable payments.
- check_circle Repayment schedules that match your project's cash flow cycles.
- check_circle Options for early repayment without penalties to save on interest.
Easy Application, Quick Approval
Our streamlined process is designed to get you the funds you need without the lengthy paperwork and waiting periods of traditional lenders.
Submit Application
Fill out our simple online form and upload the required business and project documents.
Underwriting
Our team reviews your application, typically providing a decision within 48-72 hours.
Access Funds
Once approved, your credit line is active. Start procuring materials for your project instantly.
Secure Transactions. Guaranteed Control.
We use an escrow-backed payment mechanism that releases funds to suppliers only after you confirm material delivery. This ensures full financial control, protects your capital, and eliminates payment risk at every stage.
Clear Terms, Strong Partnerships
Our legal agreements are written in plain language to foster transparency and trust. We view our financing as a partnership to help you build successfully. Review full terms & conditions
Frequently Asked Questions
What are the basic eligibility criteria? add
To be eligible, your business must be registered, have a minimum operational history of two years, and meet our minimum annual turnover requirement. Project-specific criteria also apply.
How is my credit limit determined? add
Your credit limit is based on a comprehensive assessment of your business's financial health, credit history, project size, and projected revenue.
Are there any pre-payment or foreclosure charges? add
No. We believe in financial flexibility. You can repay your outstanding balance early at any time without incurring any pre-payment penalties.
Ready to Build Without Financial Barriers?
Apply for your ConSmat smart credit line today and take control of your project's material procurement.