Funding Solutions

The right capital
for every deal.

From SME working capital to large commercial property and acquisition transactions — we structure and arrange the right solution from our network of 180+ funders.

Business Funding
Working capital, asset acquisition, invoice finance and structured debt for South African businesses across all sectors. From R100k to R50M+.
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Unsecured Business Loans
Fast access to working capital with no security or collateral required.
R100k – R10M
Funding range
R100,000 – R10,000,000
Typical turnaround
24 – 72 hours
Repayment term
3 – 60 months
Security required
None — unsecured
Best suited for
  • Bridging cash flow gaps between revenue cycles
  • Stock purchases, supplier payments and growth spend
  • Businesses that don't want to pledge assets
  • Fast-moving opportunities requiring quick capital
Eligibility
  • 12+ months trading history
  • R100,000+ monthly turnover
  • CIPC registered business
  • Active business bank account
Apply for this product
🚛
Asset Finance
Fund equipment, vehicles and machinery without depleting working capital.
R100k – R100M+
Funding range
R100,000 – R100,000,000+
Typical turnaround
48 – 96 hours
Repayment term
12 – 72 months
Structure
Hire purchase or finance lease
Assets we finance
  • Commercial vehicles, trucks and fleet
  • Manufacturing and industrial equipment
  • Medical, dental and professional equipment
  • Technology, IT infrastructure and fitouts
  • Yellow metal and construction plant
Eligibility
  • 12+ months trading history
  • Asset must be for business use
  • New or used assets considered
Apply for this product
🧾
Invoice Finance
Unlock cash tied up in outstanding invoices — without waiting 30, 60 or 90 days.
Up to 85% of debtor book
Advance rate
Up to 85% of invoice value
Typical turnaround
24 – 48 hours once set up
Structure
Factoring or invoice discounting
Security required
Debtors book / invoices
Best suited for
  • B2B businesses with large debtors books
  • Government or corporate suppliers with long payment terms
  • Businesses experiencing rapid growth
  • Seasonal businesses managing cash flow peaks
Apply for this product
💳
Merchant Cash Advance
Revenue-based funding repaid as a percentage of your daily card turnover.
R50k – R5M
Funding range
R50,000 – R5,000,000
Typical turnaround
24 – 48 hours
Repayment
% of daily card sales
Security required
None — unsecured
Best suited for
  • Retail, hospitality and food & beverage businesses
  • High card transaction volume businesses
  • Seasonal businesses that prefer flexible repayments
  • Businesses declined for traditional lending
Eligibility
  • Minimum R50,000 monthly card turnover
  • 6+ months trading history
  • Card payment facility in place
Apply for this product
🔐
Secured Business Loans
Higher loan amounts at better rates, secured against property or business assets.
R500k – R100M
Funding range
R500,000 – R100,000,000
Typical turnaround
5 – 15 business days
Repayment term
Up to 20 years
Security required
Property / business assets
Best suited for
  • Large capital requirements where security is available
  • Business expansion, acquisitions or refinancing
  • Lower interest rate requirements
  • Longer repayment terms needed
Apply for this product
📈
Senior Debt & Equity Raises
Structured capital for growth, expansion and recapitalisation at scale.
R10M – R1bn+
Funding range
R10M – R1,000,000,000+
Structure
Senior debt, mezz, equity or hybrid
Funders
Banks, DFIs, institutional & private capital
Geography
South Africa
Best suited for
  • Established businesses raising growth or expansion capital
  • Recapitalisation and balance sheet restructuring
  • Pre-IPO capital and institutional equity raises
  • DFI and impact capital requirements
Discuss your requirement
🌱
DFI & ESG Capital Raises
Access development finance and impact capital from African and European DFIs for ESG-aligned businesses.
$5M – $100M+
Minimum ticket
$5,000,000 USD equivalent
Structure
Debt, equity or hybrid instruments
Funders
African & European development finance institutions
Focus
ESG, impact and developmental criteria
What DFIs fund
  • Renewable energy, clean technology and green infrastructure
  • Financial inclusion, SME lending and fintech platforms
  • Healthcare, education and essential services
  • Agribusiness and food security
  • Affordable housing and social infrastructure
What makes a strong DFI application
  • Demonstrable developmental impact and ESG credentials
  • Experienced management team with relevant track record
  • Audited financials and transparent governance
  • Clear theory of change and measurable impact metrics
  • South African business with scalable model
Types of funders we access
  • Nordic and Scandinavian development finance institutions
  • European bilateral DFIs and impact funds
  • Multilateral development banks and their private sector arms
  • South African DFIs and state-backed development funders
  • ESG-mandated private equity and family office capital
Discuss your raise
Commercial Property Finance
Acquisition, development, bridging and equity finance for commercial property investors and developers across South Africa. Learn more about our property finance →
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Commercial Property Acquisition
Senior debt and structured finance for the purchase of income-producing commercial assets.
R5M – R500M+
Loan size
R5M – R500M+
LTV
Up to 75% of purchase price
Term
3 – 20 years
Asset types
Retail, industrial, office, mixed-use
What we look for
  • Quality tenants with remaining lease terms
  • Strong DSCR and serviceable rental income
  • Clear title and unencumbered or refinanceable existing debt
  • Experienced property investor or operator
Asset types we finance
  • Shopping centres and retail strips
  • Industrial parks and warehouses
  • Office blocks and business parks
  • Mixed-use and sectional title bulk purchases
  • Distressed and value-add assets
Apply for this product
🏗️
Development Finance
Construction and development loans for residential, commercial and mixed-use projects.
R10M – R500M+
Loan size
R10M – R500M+
LTV / LTC
Up to 70% of GDV
Term
12 – 36 months construction
Drawdown
Progress-based tranches
Best suited for
  • Residential developments and sectional title schemes
  • Commercial and industrial construction
  • Mixed-use urban developments
  • Developers with proven track record
What strengthens an application
  • Pre-sales or pre-leases in place
  • Approved building plans and permits
  • Experienced contractor appointed
  • Developer equity contribution of 30%+
Apply for this product
⚡
Bridging Finance
Short-term property-backed capital to bridge a funding gap or time-sensitive transaction.
R1M – R100M
Loan size
R1M – R100M
Term
1 – 18 months
Speed
As fast as 5 business days
LTV
Up to 70% of property value
Common use cases
  • Buying before existing property is sold
  • Funding a purchase while long-term finance is arranged
  • Auction purchases requiring rapid completion
  • Chain breaks and time-critical transactions
  • Light refurbishment prior to refinance or sale
Apply for this product
🔄
Equity Release & Refinance
Unlock equity from existing property to redeploy capital or reduce financing costs.
R2M – R200M
Loan size
R2M – R200M
LTV
Up to 70%
Term
Up to 20 years
Security
Commercial property
Common reasons to release equity
  • Fund a new acquisition without selling existing assets
  • Reduce the cost of existing expensive debt
  • Release capital for business operations or growth
  • Restructure a portfolio or simplify the debt stack
Apply for this product
🏛️
Mezzanine Finance
Subordinated debt to bridge the gap between senior lending and equity — reducing the equity requirement on large deals.
R5M – R200M
Loan size
R5M – R200M
Position
Second charge / subordinated
Term
1 – 5 years
Typical LTV range
65% – 85% combined
Best suited for
  • Investors wanting to reduce equity contribution on acquisitions
  • Developers needing to top up senior debt on developments
  • Capital stack optimisation on large transactions
  • JV structures requiring layered funding
Discuss your structure
Business Acquisitions & M&A
Acquisition finance, leveraged structuring and capital advisory for business purchases and buyouts across South Africa. Learn more about acquisition finance →
🤝
Leveraged Buyouts
Acquisition finance structures that use the target business's cash flow and assets to fund the purchase.
R10M – R500M+
Deal size
R10M – R500M+
Equity required
Typically 20% – 40%
Structure
Senior debt + mezz + equity
Geography
South Africa
What we look for in the target
  • Strong, recurring and defensible cash flows
  • EBITDA of R5M+ for meaningful leverage
  • Clear management team or succession plan
  • Motivated seller with clean books
Our role
  • Capital stack design and optimisation
  • Funder sourcing and term sheet negotiation
  • Coordination with legal and due diligence teams
  • Management through to close
Discuss your acquisition
👔
Management Buyouts (MBO)
Finance for management teams looking to acquire the business they run from an existing owner.
R5M – R250M
Deal size
R5M – R250M
Management equity
Typically 10% – 30%
Term
3 – 7 years
Geography
South Africa
How we help
  • Structure the deal to minimise management equity requirement
  • Source institutional debt and PE co-investment where required
  • Negotiate vendor loan or deferred consideration with seller
  • Manage the full process alongside your legal team
Discuss your MBO
🌍
Cross-Border M&A
Capital structuring for cross-border acquisitions involving South African businesses and international targets.
R20M – R1bn+
Deal size
R20M – R1bn+
Currencies
ZAR + international currencies
Markets
South Africa
Funders
Global network across both markets
What we handle
  • SA businesses acquiring international targets
  • International businesses acquiring SA operations
  • Currency structuring and FX risk mitigation
  • Multi-jurisdictional capital stack design
  • Regulatory and SARB compliance considerations
Discuss your transaction
📋
Vendor Finance & Earn-outs
Structuring deferred consideration and vendor loans to bridge valuation gaps and get deals across the line.
Deal-specific
What this involves
  • Seller agrees to defer a portion of the purchase price
  • Deferred amount treated as a loan from seller to buyer
  • Reduces upfront cash or debt required from buyer
  • Aligns seller incentives with business performance post-sale
When it's used
  • Valuation gap between buyer and seller expectations
  • Buyer has limited equity but strong cash flow
  • Seller wants to maintain some business involvement post-sale
  • Complementing senior debt in an LBO structure
Discuss your structure
Solar & Renewable Energy Finance
Zero-capex solar, EPC project finance and large-scale renewable energy funding for South African businesses and developers.
☀️
Zero Capex Solar
Install solar with no upfront cost — pay only for the electricity you consume at a reduced rate.
No upfront capital
Upfront cost
R0 — zero capital required
System size
50 kWp – 5 MW+
Structure
PPA or operating lease
Typical saving
15% – 35% on electricity cost
How it works
  • Funder installs and owns the solar system on your premises
  • You pay a fixed or escalating tariff per kWh consumed
  • Rate is lower than Eskom or municipal tariff from day one
  • Agreement typically 10 – 20 years with buy-out option
Best suited for
  • Businesses spending R50,000+ per month on electricity
  • Property owners with roof space or ground mount opportunity
  • Businesses that want savings without capex commitment
Apply for this product
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EPC & Project Finance
Structured finance for solar installers, EPCs and developers funding large-scale renewable projects.
R2M – R200M
Loan size
R2M – R200M
Term
Up to 15 years
System size
250 kWp – 50 MW
Structure
Senior debt, asset finance or hybrid
Best suited for
  • EPCs needing project-level finance to fund installations
  • Solar developers with offtake agreements in place
  • C&I solar projects with bankable PPAs
  • Multi-site rollout programmes requiring programmatic capital
Discuss your project
🌱
Large-Scale Renewable Energy
Institutional and DFI-backed project finance for utility-scale solar, wind and storage projects.
R50M – R1bn+
Project size
5 MW – 100 MW+
Loan size
R50M – R1bn+
Funders
DFIs, banks, impact funds
Technologies
Solar PV, wind, BESS
What strengthens an application
  • Signed or advanced PPA with creditworthy offtaker
  • Grid connection application in progress or approved
  • Experienced development team and EPC contractor
  • Environmental and land use approvals in place
  • Equity sponsor with relevant track record
Discuss your project
Not sure which product fits?
Tell us about your deal and we'll identify the right structure. No upfront fees. No obligation. Success-fee only.
Start your application