How it works

do I qualify?
what do I need to apply?

what to expect when applying for finance …

Here are some quick take-aways of what to expect:

As an alternate funder, focussed 100% on SMEs, our whole approach is designed for entrepreneurs.

Our turnaround from application-to-payout averages 10 days.

Our Credit Committee interviews you in person to properly understand you, your business & your plans.


Simply apply online right here or contact us and we’ll email you our app form & list of required documents. Once you’ve sent us everything – then we’ll start our credit process.


A Credit Analyst will assess your info. If there are any concerns or clarity/context required then they will contact you – to assist in moving your finance application to the next step.

Usually 24-72hrs, depending on your availability.


We do financing that backs entrepreneurs. That means backing you – ‘the jockey’.

This is a critical part for 2 reasons:

  1. The financial/business info for an SME is often insufficient to justify the financing. So we need to draw alternate comfort by meeting the entrepreneur.
  2. As we don’t believe in requesting business plans – the interview with the entrepreneur allows us to get an appreciation for their business model, strategies and vision.

This happens either in-person or via a Skype video call.


Once approved:

  1. Finance Term Sheet, finance agreement and related docs are sent to you for electronic signing on your mobile or laptop.
  2. You’ll need to email your relevant compliance docs [e.g. Company Reg. docs, etc.]. 
  3. For your FICA docs – our mobile app makes it pain-free & convenient

Usually very quick, but depends on your responsiveness.


Once our compliance people check that all the paperwork is good-to-go then we proceed to pay-out.

Pay-out is usually same/next day [for working capital finance].

min and max amounts?

  • Generally we prefer to finance amounts from R500 000 at the lower end to R15 million at the top for routine & run of the mill needs
  • However, as an exception, we can consider amounts above R15 million for more structured/specialised needs – we even do larger amounts than this using revolving finance facilities and custom built finance solutions

what you’ll need …

  • Completed & Signed application form

  • Last two years sets of Annual Financial Statements (AFS)

  • Latest Management or Internal Accounts

  • Last 3 months bank statements

  • Debtors & Creditors Analysis

  • Personal Assets & Liabilities (of all shareholders)

  • Overdraft facility agreement (if applicable)

  • Key contracts/projects/etc. (if applicable)

need more info or want to get started?

get in touch
apply online

making the effort to understand you