The core of our focus is providing you with finance for your formal business. We structure unique, individualised financing solutions using shareholder loans, equity, royalties and term loans – or any combination of these. We pride ourselves on having developed a range of finance products offering maximum flexibility to suit your specific needs.


We provide business finance ranging from R500 000 to R50 million to established entrepreneurs with a viable formal business. Finance can be used for expansion, working capital, equipment, takeovers, property, franchises, property finance for owner occupied businesses, revamps, or management buy-outs.

  • We only finance viable formally registered small and medium enterprises.
  • We only provide finance between R500 000 and R50 million.
  • Each application is considered on its merits and on the potential profitability of the business.

See below for a list of businesses we do not finance.

  1. Our first assessment is based on the cash flow viability and potential of the business, the product/service and its market acceptability, market size, the gearing of the business – debt to capital ratio of the business which influences its ability to exist and grow, the business’ track record, the stage of its development and medium to long-term profit potential, technical aspects, location of the business. This makes us different from most traditional financiers, particularly banks, who focus on security (the extent of the owner’s equity and collateral).
  2. Our next assessment is on the entrepreneur – we evaluate their technical and management skills and experience, credit worthiness, their business acumen – their ability to run a successful business on sound business principles and their personal principles such as integrity, drive and vision.
  1. We negotiate pricing and repayment terms with you.
  2. We structure personalised business finance solutions.
  3. We negotiate and agree on the pricing of the business loan during the initial financing discussions.
  4. We negotiate and agree on the repayment period during the initial financing discussions.
  5. The usual repayment period is between three to five years.
We do not finance on-lending activities, direct farming operations, underground mining, informal and micro enterprises and non-profit organisations.

5 years on average.

R500 000 to R50 million.

There is no minimum set for own contribution however, the gearing and other factors that affect the viability of a transaction are be taken into consideration.

Completed application.
Business plan.
Annual financial statements.
Up to date management accounts.
Cash flow forecast.
CV of business owner/s.

If you are an established entrepreneur, apply today to obtain finance tailored to your individual requirements.


Because we understand the challenges business owners face, we take more risk and finance more established entrepreneurs than most financiers.

Watch this video to learn why you should choose us over other financiers

Apply now
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Our Property Fund caters to established entrepreneurs with a viable business who want to refinance or purchase their own premises, but may have limited capital or security to contribute, or may not want to compromise the business’ cash resources for the deposit. We also finance Residential property developments, Properties for student accommodation and Commercial property developments. You should choose our commercial property finance because:

  • In most cases, conventional financiers require a cash deposit before considering financing a property deal. The deposit amount depends on the risk appetite of the financier and deposits of up to 50% may be required.
  • We allow the business owner a choice of different financing options and can structure the deal by advancing up to 110% of the financing required, subject to terms and conditions.
  1. The underlying business must be proven to be viable and been in existence for no less than two years.
  2. The business should have a sound financial track record.
  3. The business must occupy at least 50% of the property to be purchased.
  4. The property to be purchased should be in a good condition, well located and be available at a reasonable market value.
  5. The operating business should meet affordability expectations.
We do not finance residential (homes for own use), and agriculture properties.
A maximum of 10 years.

R500 000 to R50 million.

Own contribution is not required.

Completed application.
Business plan.
Annual financial statements of the underlying business.
Details of the proposed property.


Our Property Joint Venture Fund provides finance to established entrepreneurs looking to add multi- tenanted properties to their investment portfolio. We do this because we understand that multi-tenanted properties provide both capital appreciation and a rental income.

We co-invest in multi-tenanted property projects mainly in two instances:

  1. When a potential investor (established entrepreneur) is unable or unwilling to invest the full deposit (equity) required by a commercial lending institution.
  2. Where a viable property investment has been over-geared and needs a restructuring of the existing debt, converting debt finance to equity finance.
  1. Property investments in sustainable areas offering good growth and/or return on investment, preferably in metropolitan areas.
  2. Retail, industrial, and commercial multi-tenanted properties with a value of between R2 million and R120 million.
  3. Properties that require reconfiguration or upgrades.
  4. Cut-up-and-sell properties and industrial leasebacks.
  5. The prospective property investor may choose to either have an active role or be a passive investor.
We do not finance residential properties (homes for own use), agricultural properties, and mines.
A maximum of 10 years.

R500 000 to R50 million.

A proportionate share of the equity will be required and will influence the shareholding percentage.
Completed application.
Details of the property and supporting documentation.
The business owners’ latest personal assets and liabilities.

If you are an established entrepreneur, apply today to obtain up to 100% commercial property finance.

Apply now
Apply now


We provide finance to established entrepreneurs with viable small and medium enterprises in the green industries that endeavour to enhance the environment, reduce carbon emissions, adopt renewable energy technologies. Green industries considered include Energy, Waste, and Water sectors.

Watch this video to see how the Green Outcomes Fund has positively impacted other business owners

We consider financing for businesses that limit or prevent harm to the natural environment compared to conventional alternatives. These are businesses that:

• Actively develop, manufacture, and/or provide goods and services that have positive environmental benefits.
• Seek to implement or are implementing measures and/or technology for sustainable energy, waste and water practices.
• Adopt and/or are receptive towards green innovations and broader eco-industry, including greener properties.
• Are less polluting and/or use all-natural resources in a more sustainable manner.
• Recycle more of their wastes and products.
• Handle residual wastes in a more acceptable manner.

• We consider financing applications from businesses whose gross assets are under R100 million, where annual turnover does not exceed R200 million and/or employees are less than 500 in number.
• Each application is considered on its merits.
• We apply the following Green metrics to determine if the business meets the Green Outcomes Fund criteria:

Sector Metrics
Energy • Persons reached by reliable green energy grid/source that were with prior access to the traditional energy grid.
• Persons reached by reliable green energy grid/source that were without prior access to the traditional energy grid.
• Green energy generated (kWh p.a.).
• Energy efficiency – energy saved based on deemed savings values (kWh p.a.).
Waste • Waste to landfill avoided.
• Avoided waste incinerated.
• Waste recycled / re-used.
• Chemical recovery (metric tons p.a.).
Water • Water use reduction.
• Wastewater treated.
• Water sourced from an alternative sustainable resource (cubic meters p.a.).

R500 000 to R50 million.

Completed application.
Business plan.
Annual financial statements.
Up to date management accounts.
Cash flow forecast.
CV of business owner/s.
Apply now
Apply now