IsiQinisekiso somuntu Ngamunye, Isikimu Sokuqinisekisa Ukukwelediswa - Umnqopho wesikimu sokuqinisekisa umuntu ngamunye kukwenza usomabhizinisi akghone ukuboleklwa imali ebhanka ebolekisako namkha kenye ihlangano yeemali. Isikimesi senza usomabhizinisi akghone ukuthola imali yokuvula, ukukhulisa namkha ukuthenga ibhizinisi. Ngehlelo lokubolekwa iimali leSikimu seKhula sokuQinisekisa, usomabhizinisi uvamise ukubolekwa imali ngokwayo, avulelewe ne-overdraft, athole nehlelo lesikwelede elibizwa ngokuthi yi-revolving credi, athole nama-instalment sales, nesiqinisekiso sebhanka kanye neenqinisekiso zokuthi ibhizinisakhe iraga njani (i-performance construction garantee).