• Business Plans
  • Business Ideas
  • Business News
  • Business Tips
  • Testimonials
  • Terms And Conditions

Select Page


Posted by BizBolts | All Articles , Business Plans


We have several payment methods which you can use to buy the business plans.

Payment Method 1 (Visa card, Mastercard, Credit card, Debit Card) – R500

To purchase the business plans using Visa Card/Master Card click here: Business Plans Store . After you have purchased, you will instantly see the download link for the business plan package on the screen. We will also email you the download link. Click the button below to purchase business plans using Visa Card/ Mastercard.

South Africa Business Plans

The business plan package is a zipped compressed file containing the PDF, Word and Excel documents. To open the package after downloading it, just right click, and select Extract All. If you have any problems in downloading and opening the files, email us on [email protected] and we will assist you.

Payment Method  2 – (Instant EFT – FNB, Absa, Standard Bank, Nedbank, CapitecBank, Investec, TymeBank and African Bank. )

Other payment methods.

  • Cash deposit into our FNB Company Bank Account
  • EFT Transfer to our FNB Company Bank Account

Call/Whatsapp us on +27606334830 for the other payment methods. (Whatsapp us by clicking the link ). Email: [email protected] .

Testimonial 7

Thank you BizBolts for the business plan. I received the business plan immediately after payment, it was money well spent ! I was able to easily edit the business plan. After using the BizBolts business plan, I can wholeheartedly recommend their products and skills.

Testimonial 5

The BizBolts poultry business plan led us down the path from start to finish. Contact details of suppliers of key requirements were included in the business plan. It helped us crystallize our strategy, and the business plan was well received by the bank.

Testimonial 6

It is with excitement and pleasure to inform you that I have been successful in securing a loan from my bank. This would not have been possible if not for the BizBolts Business Plan. Thank you for your help, my dreams are now coming true.

Testimonial 1

Many thanks to the BizBolts team for putting together a fantastic business plan, I could not have done this business plan on my own. I managed to get funding from investors to start my butchery business using your business plan.

Testimonial 2

I am extremely pleased with the business plan and financial statements. The business plan is very detailed & it meets my requirements. I feel better equipped with tools that can help me secure funding.  I would have no hesitation of recommending your business plans to other people.

Testimonial 4

The business plan was very helpful, you did a great job of taking ideas and putting them into words as well as pointing out other aspects of the business plan I wouldn’t have thought of. I got funding using your business plan and it’s now 4 months since I started my poultry business, and everything is going well.

Testimonial 3

The business plan has a highly professional look and feel. The research really helps me look deep into the market that I am targeting, it’s well suited for the South African market. The business plan clearly outlined everything I need to start the business and the costs. It’s now easier to budget and plan. Thank you very much.

About the Business Plans

We decided to introduce the South African business plans after noting that many South Africans were venturing into businesses without a full understanding of the industry, market, how to run the businesses, the risks involved, profitability of the businesses and the costs involved, leading to a high failure rate of the start-ups.

Our business plans will make it easier for you to launch and run a business successfully, fully knowing what you are going into, and what’s needed to succeed in the business. It will be easier to plan and budget as the business plans will lay out all the costs involved in setting up and running the business. They are designed uniquely for the South African market.


These business plans can be used for many purposes including:

  • Raising capital from investors/friends/relatives
  • Applying for a bank loan
  • Start-up guide to launch your business
  • As a project proposal
  • Assessing profitability of the business
  • Finding a business partner
  • Assessing the initial start-up costs so that you know how much to save
  • Manual for current business owners to help in business and strategy formulation


All our pre-written plans include, but not limited to:

  • Market Analysis
  • Industry Analysis
  • 5 Year Automated Financial Statements [ Income statements, cash flow statements, balance sheets, monthly cash flow projections (3 years monthly cash flow projections, the remaining two years annually),break even analysis, payback period analysis, start-up costs, financial graphs, revenue and expenses, Bank Loan Amortisation]
  • Marketing Strategy
  • Risk Analysis
  • SWOT & PEST Analysis
  • Operational Requirements
  • Operational Strategy
  • Why some South Africans in that type of business fail, so that you can avoid their mistakes
  • Ways to raise capital to start your business in South Africa

All our agriculture pre-written business plans include technical aspects of how to keep and rear the animals / farm the crops. They also include a mini-directory with contacts which will prove to be helpful in launching and running the business. E.g. for broiler poultry we will provide the contact details for South African suppliers of feeds, equipment, day old chicks, abattoirs, training companies etc)

The Business plan package consist of 4 files

  • Business Plan – PDF file (Comprehensive – Between 70-105 pages)
  • Business Plan – Editable Word File (Comprehensive – Between 70-105 pages)
  • Business Plan Funding Version – Editable Word File (Short version for applying for a loan – between 35-50 pages)
  • Business Plan Automated Financial Statements – (Editable Excel file)

The financial statements are automated. This implies that you can change an item eg unit price, and all the other financial statements will automatically adjust to reflect the change.


About The Author


BizBolts (Pty) Ltd is a business research company based in Johannesburg, South Africa. We sell prewritten business plans for various industries including livestock production, crop farming and retail businesses. BizBolts also publishes articles on business ideas, business news, business tips, personal finance, and entrepreneur profiles.

Related Posts

Starting Layers Poultry Egg Farming Business in South Africa – Business Plan (PDF, Word & Excel)

Starting Layers Poultry Egg Farming Business in South Africa – Business Plan (PDF, Word & Excel)

December 14, 2022

Profitable Transport Business Ideas In South Africa

Profitable Transport Business Ideas In South Africa

February 25, 2021

Starting Potato Farming Business in South Africa – Business Plan (PDF, Word & Excel)

Starting Potato Farming Business in South Africa – Business Plan (PDF, Word & Excel)

December 21, 2022

Reasons why most South African businesses do not survive beyond a generation

Reasons why most South African businesses do not survive beyond a generation

August 2, 2019

Follow Us On Facebook

Subscribe To Our Newsletter

Subscribe To Our Newsletter

Join our mailing list to receive the latest news and updates from our team.

You have Successfully Subscribed!

Subscribe To Our Newsletter

  • Starting a Business
  • Growing a Business
  • Business News
  • Science & Technology
  • Money & Finance
  • Subscribers For Subscribers
  • Store Entrepreneur Store
  • Spotlight Spotlight
  • United States
  • Asia Pacific
  • Middle East
  • South Africa

Copyright © 2024 Entrepreneur Media, LLC All rights reserved. Entrepreneur® and its related marks are registered trademarks of Entrepreneur Media LLC

JUST RELEASED: View the 2024 Franchise 500 Ranking

A Free Business Plan Example to Launch Your South African Business This free Business Plan example provides you with a sample business plan as well as guidance on how to write a business plan and important sections to include in your plan.

By Catherine Bristow Scott • May 28, 2019

You're reading Entrepreneur South Africa, an international franchise of Entrepreneur Media.

It pays to plan.

Research conducted by Harvard Business Review found that "entrepreneurs who write formal plans are 16% more likely to achieve viability than the otherwise identical non-planning entrepreneurs."

Simply put, writing a business plan could make the difference between business success and failure – which is why planning now could pay dividends as your business gets off the ground.

But where do you start when writing a business plan? In this comprehensive business plan example, we provide you with what to include in your business plan and a sample business plan to help you to create a compelling plan for your start-up.

1. Executive Summary

If you have seven seconds to make a strong first impression in person, an Executive Summary will be the make-or-break section of your business plan – so make this section count.

As a brief outline of your company's purpose and goals, the Executive Summary should generally take up 1 to 2 pages of your business plan. Some key components to include in your business plan are:

  • A company description
  • A brief summary of your products or services
  • The company objectives
  • A short but thorough overview of the market
  • A justification for viability, particularly "why now?"
  • A snapshot of your business's growth potential
  • A short description of the organisation team
  • Your marketing plan
  • Financial projections

Importantly, your Executive Summary must clearly depict the Problem, the Solution, and carry a sense of timeliness – why now should your business be considered as the solution to solve this problem.

NOTE: The following Business Plan Example is based on a fictional company. Figures will not reflect the exact financials of a similar company.

Example of a Business Plan Executive Summary

business plan for funding in south africa

Snug Sneakers is a sneaker shoe range based in Cape Town that currently focuses exclusively on selling locally produced men's and women's custom sneakers.

The business was founded by David Smith and Stewart Bruce, who have both been working within the retail industry for over 20 years, David Smith, a serial entrepreneur has also founded successful brands – Creative Caps and women's cycling brand Pedal Power.

The brand is currently selling online, however has also recently diversified to selling in independent shoe shops.

The company is projecting to sell R2 million in year 1 and R8 million in three years' time. Additionally, there are expansion plans within year 2 to set up distribution networks in Johannesburg, and Durban in the early part of year 3.

Both David and Stewart are social entrepreneurs at heart and believe in providing sustainable jobs for impoverished communities.

As such, the company has started a recycling and training academy in Khayelitsha, where consumers can return old sneakers that are then repaired by Khayelitsha residents and donated to those in need of shoes. This also provides learners within the academy with shoe-making and recycling trade skills.

Industry research has shown that, on average SA consumers own 4 pairs of sneakers, with 4 in 4 consumers indicating that shoe fit and sizes vary across brands.

3 in 4 consumers indicated that their number one concern when purchasing is having to "settle' for the best fitting shoe, despite the fit not being 100% correct.

Based on these and additional industry research statistics, the company's sneaker products are driven to provide the best shoe fit, with the tagline of "shoes that fit so good, you'll never go barefoot again.'

The main competition to Snug Sneakers comes from 1 local brand, SuperStars, and 2 overseas brands Sassy Sneakers and Rock Your Sneakers.

Although SuperStars supports sustainable use of local manufacturers, the competitor does not provide custom fit sneakers. Sassy Sneakers and Rock Your Sneakers both offer custom fit sneakers, both brands are manufactured in China and do not promote sustainable, social conscious value propositions.

The primary means of marketing will mainly be focused on digital marketing, through evidence-based approaches, including search engine optimisation, Google Ads, Facebook Advertising as well as utilising social media channels that have proven very popular for the company, including Instagram, Pinterest and Facebook.

The locally sourced raw materials, which include cotton, rubber and leather, will be supplied from a sustainable cotton mill and tannery in the Limpopo Province.

Funding for the company was derived through the 2 founders, as well as private investment.

2. Business Overview and Objectives

business plan for funding in south africa

Creating an overview of your business when you are already established makes it easier, but it may be a little harder when you're either just starting out or haven't even kicked off your operations yet.

When you're just starting out, think about your products and services as your starting point.

  • What will you be providing your market with?
  • How will you be sourcing/ producing these items?
  • What do you need to have in place before you can start selling your products?
  • Who will be distributing/ manufacturing your products?
  • Importantly, who will your target market or customer be?

In our example business plan, Snug Sneakers serves both retail and online customers, although the bulk of the business is through their online clientele.

This means that Snug Sneakers will need a secure e-commerce platform and a website that has carefully considered the user journey when buying custom sneakers.

The company will also need employees to assist with technical challenges, customer support, and warehouse staff for the packing and distribution of their products.

Similarly, you would need to consider the following when identifying their business objectives:

  • What industry will you operate in?
  • Who will be your customer?
  • What is the problem that you will be solving?
  • How will you solve this problem?
  • Where will my business be located?
  • What equipment and resources will I need within my business?
  • What type of employees do I need?
  • How will I differentiate my offering from my competitors?

After answering these questions, you will have a better understanding of what it is that you will be offering and what you need to make it happen. A summary of these points will make up your Business Overview and Objectives for your Business Plan.

Example of a Business Overview and Objectives

Snug Sneakers, based in Cape Town South Africa, is focused on providing sustainable, locally produced custom footwear to South Africa, and internationally through its e-commerce platform and local distributor network.

Founded by entrepreneurs David Smith and Stewart Bruce in December 2017, from Stewart's garage, Snug Sneakers grew exponentially within 1 year from 5 online purchases a month to an average of 200 per month within 12 months.

From the company's rapid growth, it became very clear to the founders that there is a gap in the South African market for locally produced, quality sneakers.

The founders' vision for Snug Sneakers is to become a socially conscious, sustainable brand that supports the South African economy by buying 80% locally produced raw materials.

Additionally, the duo noticed a gap in the market where consumers were looking for custom-fitted shoes and remain loyal to the brand that fit them best. To this end, Snug Sneakers offers a wide range of shoe sizes including quarter and half sizes to ensure that all customers find the right snug fit for their feet.

The overarching philosophy and ethos for the company are:

  • "Soul sneakers' that allow customers to purchase sneakers that promote social consciousness.
  • "South African sourced' sourcing locally produced raw materials that provide job sustainability.
  • Superior sneakers' ensuring that customers still get a high-quality product that outmatches popular brands in workmanship and quality.

Company Status

Snug Sneakers was registered as a PTY (Ltd) on 1 December 2017. The main directors are David Peter Smith and Stewart Owen Bruce. Company shares are held by the founders.

The company currently operates out of rented commercial property in Blackheath, Cape Town.

Company Objectives

Snug Sneakers is currently selling custom sneakers primarily through its online store , with market penetration nationally, and highest market penetration in Johannesburg and Cape Town. Sporadic orders have also been received from the USA and the United Kingdom.

The company has also partnered with 3 independent shoe and clothing retailers focused on selling locally-sourced South African apparel.

The company has identified a 2 phased upscaling approach for growing sales and operations:

  • Increase online sales by 40% within a 6-month period of 2019
  • Increase brick-and-mortar retail partnerships from 2 stores in Cape Town to an additional 4 stores in Johannesburg by year end.
  • Increase online sales by 50% by end of year 2020
  • Explore opening up a brick-and-mortar store in the Canal Walk Shopping Centre, Cape Town
  • Increase brick-and-mortar retail partnerships to include 1 store in Durban.

3. Products and Services

business plan for funding in south africa

In this section, you will be unpacking your product and services offering, especially your key product differentiation from your competitors. Importantly, in this section you will also need to validate why your product is needed by your customers.

If you have applied for any patents, copyrights, or trademarks, you would also include these in this section.

Products and services that already exist may not need a deep analysis of what they are within your business plan.

However, if you're creating a completely new product or service (if you were the first Uber of the world), carefully detail in this section what your product is about, it's uses and the value it brings to the market so your readers will be able to evaluate the value of your product and services.

Some important aspects to cover include:

  • The anticipated timeline to bring your new product to the market.
  • What differentiates your product or service from those already available in the market.
  • What will your operating costs be and profit margins.
  • How will you source/ manufacture your product.
  • How will the product be distributed to customers.

Example of Products and Services

Snug Sneakers will provide a line of custom sneakers for both men and women. The main product lines include:

  • Casual Range: Everyday sneaker footwear
  • Active Range: Active gym range of sneakers
  • Fashion Forward Range: Formal but funky range of sneakers

Current pricing of the sneakers as follows:

  • Casual Range: R550
  • Active Range: R950
  • Fashion Forward Range: R850


There are three main competitors that have been identified within the market. These include:

Local competitor:

1. SuperStars 40% locally made raw materials, with 60% of the raw materials originating from China. The brand however does not provide custom-fit sneakers.

Foreign competitors:

2. Sassy Sneakers are based in Australia, with the product line produced in China. The company offers custom fit sizes, however customers have to pay extra for the custom fit and product quality is low.

3. Rock Your Sneakers is a US based company, with the product line produced in China. The company offers some custom fit sizes, however the sizes are limited and the product is only available to South African's online and with a long lead time to delivery.

Snug Sneakers products have a unique differentiator within the market:

  • A greater range of custom fit sizes ranging from ¼ - to half sizes as well as broad and narrow width ranges.
  • The company will be the only brand within South Africa to offer 80% locally manufactured sneakers.
  • Quality of the products is superior to the current locally-made competitor, due to locally sourced high-quality raw materials.

Future Products

The company has also been looking into introducing a line of sneaker care products to assist customers in increasing the longevity of their purchases.

4. Competitive and Market Analysis

business plan for funding in south africa

Providing evidence that there is demand for your product or service is one of the most critical components of your business plan. Key to this is understanding your market and your competition within that market.

Embarking on market research requires you to have a deep understanding of what your market is and the opportunities inherent within it. You should be able to define:

  • Target Market. The types of customers you will be targeting with your product or service.
  • Market Need. If there is demand for your products and services and whether this is increasing or declining.
  • Competition. The positioning of your competitors in the market and how you will differentiate your offering from them.
  • Barriers to Entry. What will prevent someone else from providing the same offering or better.
  • Regulation. Regulations that will be applicable to the industry that your business will be operating in.

Example of a Market Analysis

Target market.

With our initial line of casual, active and fashion forward sneakers, we're looking to target the following consumer segment:

  • Age: 16 -36
  • Digital Savvy: Researching and shopping online is part of this customer's DNA. The target market is also very active on social media platforms such as Instagram, Pinterest and Facebook.
  • On Trend: Fashion forward and looking to illustrate their unique personalities, the target market is always looking for fashion to express their uniqueness.
  • Social Consciousness: The target market is proudly South African and are highly conscious of the socio-economic issues and have a keen desire to take part in improving the SA economy, uplifting communities and supporting local initiatives.

Market Need

According to a Global View Research Marketing Report, the global athletic and leisure footwear market size was valued at USD 67.8 billion in 2017. The report found that this value is expected to expand at a CAGR of over 8.0% from 2018 to 2025.

The ever-growing awareness with regards to the health benefits of sports and fitness activities, as well as an expanding retail e-commerce sector globally, including increasing levels of disposable income amongst millennials are estimated to be the key reasons for increasing market growth in this market.

Additionally, the Global Sneaker Market 2018 Industry Trends and Sales report found that although the global brands reported increased profit margins in 2017, these have decreased by 1.5% from 2016.

On the other hand, independent Sneaker retailers have reported a 15% increase in sales, particularly online, in 2017, indicating that consumers are moving away from global brands to pursue lesser known boutique footwear retailers.

  • SuperStars is based in Johannesburg and provides sneakers with 40% locally made raw materials, with 60% of the raw materials originating from China. The brand however does not provide custom-fit sneakers.
  • Sassy Sneakers are based in Australia, with the product line produced in China. The company offers custom fit sizes, however customers have to pay extra for the custom fit and product quality is low.
  • Rock Your Sneakers is a US based company, with the product line produced in China. The company offers some custom fit sizes, however the sizes are limited and the product is only available to South African's online and with a long lead time to delivery. (Repeated above)

5. Marketing/Sales Strategy

business plan for funding in south africa

You're on the right track when you have established that there's a market for your product and service and you have identified who your target market is quantifiably, but how will your market segments know to look out for or even buy your product and services?

This is where your marketing and sales strategy comes into play.

A well-defined marketing strategy goes beyond simply advertising your product and service – it includes a deeper understanding of how your customers will view your brand, what is the best way to reach your customers, the benefits that your customer will receive from using your service or buying your product.

Your marketing strategy must also include the budget for your marketing and sales efforts, whether you will require sales staff to sell your products and offer post-sales support, as well as how you will measure your marketing and sales efforts to evaluate their effectiveness.

Example of a Marketing Strategy

Marketing plan.

  • Search Engine Optimisation : Our website pages will be optimised for search engine rankings, with the objective to rank within the top 3 search positions for keywords "custom sneakers", "custom size sneakers" and "custom made sneakers".
  • Paid Search : Snug Sneakers will be investing in Google Ads and Facebook Advertising and well as Programmatic Advertising to increase landing page conversion rates.
  • Social Media : We will be establishing a targeted social media strategy to increase followers across the social media platforms that have shown the highest engagement with the target market. High frequency posts will be created target at highest engagement times to increase engagement and brand awareness.
  • Business Network : We will partner with independent apparel and footwear retailers to drive link building and link sharing both on website and on social media.

Customer Value Proposition and Value Differentiator

Although there is one locally produced sneaker competitor within the market, the founders believe that the customer value proposition being brought to the market is a unique offering and therefore a strong differentiator within the market.

The founders are cognisant that without this differentiator, the only differentiator will be price, which will ultimately have a negative impact on profit margins.

As a unique differentiator and value proposition, Snug Sneakers provides customers with Sneakers with South African Sole, leveraging the Proudly South African heritage and support for local initiatives to help grow South Africa's job economy and promote community upskilling and learnership programmes.

Additionally, Snug Sneakers will ensure that the quality of the products far outweighs those of global brands manufacturing in China. The most important differentiator, however is the ability to custom size shoes to each individual's unique size requirements.

6. Staffing and Operations

business plan for funding in south africa

Strategy is irrelevant without execution – which is where your Operations Plan comes into play in your business plan. How will you serve your customers, while keeping your operating costs low enough to make sufficient profitability?

Your Operations Plan will detail how you will manufacture, staff, fulfil and stock your products, including your day-to-day operational requirements. Ultimately, this section describes how you will run your business.

Some questions to answer in this section include:

  • Where will your operations be based?
  • What is your management structure?
  • What are your staffing requirements?
  • What equipment, facilities and supplies will you need?
  • How will you establish your suppliers?
  • What will be the operational changes required should your company grow?
  • What will your production methods entail?
  • How will you service/ deliver goods to customers?
  • What regulatory requirements must be in place? (Licences, permits etc.)
  • How will you manage your inventory levels?

Example of Staffing and Operations

Management team.

David Smith is a serial entrepreneur who founded successful and well-known brands Creative Caps and women's cycling apparel Pedal Power.

David graduated from Stellenbosch University with a B Comm in Economics and went on to study an MBA at GIBS Business School. David heads up Snug Sneakers as the Chief Executive Officer (CEO).

Stewart Bruce has worked in the retail industry as a Senior Designer for well-known retail brands, including Puma and Sketchers.

With over 20 years' experience in designing active and casual footwear, as well as sourcing and overseeing materials for the product range, Stewart brings excellent experience to the management mix as Chief Design Officer.

7. Financial Projections

business plan for funding in south africa

The bottom line counts the most when it comes to writing your business plan.

Without the numbers to prove whether your business will be profitable or not, potential investors or lenders will have a difficult time objectively deciding if your business will be a sound investment.

Aside from persuading potential investors, crucially, the numbers that you have crunched will also indicate whether you have a viable business.

There are five basic reports or cash projections to include in your business plan:

  • Income Statement
  • Balance Sheet
  • Cash Flow Statement
  • Operating Budget
  • Break-Even Analysis

It's important to come up with credible financial projections for your business to illustrate that it is feasible.

One way to tackle this section is to break down the figures into various components, such as by sales channel or target market segment.

At this stage, you won't be able to supply exact figures, because you're still estimating your future financials, but by breaking down your guesses into components you will be able to determine a more realistic figure for each component, rather than hazarding guesses as a whole.

The business plan should be an ongoing, living document that can be used as your guide for running your business. It requires continuous adjustment as your business changes and grows.

Entrepreneur Staff

Sales Enablement - Content Division Manager

Catherine Bristow Scott is the Content Division Manager for Entrepreneur South Africa. With specialist expertise in developing SEO content, effective sales enablement content to drive lead generation, as well as digital strategy, Catherine brings an in-depth understanding of developing both written and video content to assist businesses in remaining competitive and growing their revenue.

Related Topics Red Arrow

Most popular red arrow, he started a side hustle in his parents' basement and won big on richard branson's tv show. the business saw over $650 million in annual revenue last year..

Shawn Nelson, founder and CEO of furniture manufacturer Lovesac, thought it would be "funny to make a giant beanbag chair."

10 SA Entrepreneurs Who Built Their Businesses From Nothing

Remarkable stories about local entrepreneurs who built big businesses and well-known brands up from humble beginnings.

SMART Goals May Be Holding You Back — Try This Effective Goal-Setting Technique Instead

Everyone suggests SMART goals, but this framework is flawed. Learn why and how to create goals properly — ones that you can actually achieve.

Save More Than 50% off the Price of Two Powerful 6-in-1 Charging Cables

Pick up a pair for just $35.

'I Want a Free Month': Thousands of Customers Furious at AT&T After Widespread Outages

The carrier has not yet disclosed the root cause of the issue.

Enhance Your Website's Visibility and Dominate Your Competition With These Powerful Techniques

Mastering backlinks and content intent is key to ranking higher on search engines. Our guide can help you learn the right techniques and strategies for improving your backlinks and content quality.

Successfully copied link



Small Business Development

  • Cooperatives Incentives Scheme

Black Business Supplier Development Programme

  • Khula Enterprise Finance Ltd
  • South African Micro-Finance Apex Fund

Technology for Sustainable Livelihoods

  • Registering Your Business
  • National Youth Service
  • South African Women in Construction
  • Technology for Women in Business

Gender and Women Empowerment Unit

Small enterprise development agency (seda).

Seda   supports the growth of small business. People can go to Seda for help to start a business or, if they already have a business, to make it stronger and more profitable. There is a Seda branch in each district municipality. These branches offer:

  • information, advice and referrals
  • tender information and advice
  • import and export training
  • trade information
  • business assessments and business mentoring
  • technical support
  • market access
  • business linkages

In addition to helping individuals in business, Seda has a special focus on co-operative enterprises , where a group of entrepreneurs share the profits and responsibility of a business.

Contact Seda :  012 441 1000 Business Information Centre :  0860 103 703 Website :

How to write a business plan

The first thing you need to do is state clearly and specifically what your business idea is. Very simply, you need to say what you intend doing, how you plan on doing it, when you plan to do it and why you believe you will succeed. In the process of doing that, you need to do some research into whether your idea and your plan will really work.  Your business plan should cover four main areas:

  • Your strategic focus (your “niche”, or “core business”):  What exactly is it that your business will do? What makes it special? What won’t your business do?
  • The marketing plan: How are you going to promote your product?  How are you going to price your product?  How do you plan on getting your product to your market?
  • The operations plan: What staff will you have and what will they do?  Who will supply you with what you need?  How will you manage your business?
  • The financial plan: What profits and losses will you make?  How much sales do you need to make to break even?  How much cash do you need to cover costs each month?  What is the source of your funds?  How will you use your funds?  If you need a loan, then what can you offer as security for that loan?

Important advice:

  • Work out how big your market is (the total number of people who will buy your product).
  • Is the market growing or not?  (Is there increasing demand for your product or is there an over-supply?)
  • List all the factors about your business that will bring you success (e.g.  is it in a good place, is it cheap, is it very high quality?).

Look carefully at your situation and make a list of the following:

  • your strengths and weaknesses in comparison with your competitors
  • all the obvious market opportunities and threats
  • the advantages you have over your competitors
  • advantages that your competitors have over you
  • ways of using your advantages to your benefit
  • how you will deal with the disadvantages you face
  • what must be done, when it must be done and how it be done.

Co-operatives Incentive Scheme (CIS)

Successful applicants are given cash grants so that their cooperative can obtain good quality services that will help them to grow their business. The Cooperative Incentive Scheme helps cooperatives from all industries: textiles, services, energy, agriculture, print, film, and video production, consumer and housing. For a cooperative to qualify for a grant, it needs to:

  • be mainly black-owned
  • be actively helping to create employment and overcome poverty
  • be registered according to the Cooperatives Act, 14 of 2005
  • have a simple Business Plan, which must be attached to applications forms
  • provide quotations for the services for which it requires funding.

How to register a co-operative

To register your cooperative, you will need to fill in Form CR1 – Application for registration of primary/secondary/tertiary cooperative. You will then be notified of the other forms you will need to fill in, in the course of registering your cooperative.

Contact the Department of Trade and Industry: 012 394-1425/394-1608 Website:

This programme offers grants in a cost-sharing scheme to black-owned business for the purpose of business skills training. It offers support to black-owned enterprises by helping to improve their core competencies and management abilities, and enabling them to become more competitive. The scheme helps people with promotional marketing materials, software development and other activities such as quality improvement, processes and product improvement.

Companies that are majority black-owned (15% or more) and which have a significant representation of black managers on their management team quality for the grant. Companies should not earn more than R12 million per annum and must have been trading for at least a year. They need to be registered with CIPRO and with SARS. The maximum grant for which a single company can qualify is R100 000.

Application procedure : Obtain application guidelines and an application form.  Complete the application form. Obtain and attach a tax clearance certificate, and submit the application.

Contact the Department of Trade and Industry Customer Care Centre :  0861 843 384 Website :

Finance for Small Businesses

Khula enterprise finance ltd.

Khula helps SMMEs to get loans from banks. It does not lend money itself. Khula also provides mentorship to entrepreneurs, helping them to manage their businesses successfully. The mentorship programme includes the transfer of skills on a face-to-face basis, the development of viable business plans, and pre- and post-loan services.

Contact Khula :  012 394-5560/5900 or 0800 11 88 15 Website :

South African Micro Finance Apex Fund (Samaf)

Samaf gives financial services to small-scale entrepreneurs living in rural and outer urban areas. Samaf does not lend money directly to the public. It uses existing institutions within communities to handle the funds and lend to qualifying entrepreneurs. Samaf has three products:  the Micro-Credit Fund (gives loans to entrepreneurs), the Capacity Building Fund (gives funds to be used for equipping the institutions with skills, system and equipment) and the Savings Mobilisation Fund (encourages savings).

Contact Samaf :  012 394-1805 Websites : ;

This is a programme of the Department of Science and Technology (DST). It aims to create jobs for communities by helping to establish SMMEs. In particular, it makes use of technologies which can add value to SMMEs and makes them accessible to communities. At the same time, the programme helps to make these SMMEs successful by offering skills development and training.

The DST offers technological assistance in the following areas:

  • Aquaculture : Communities are trained to farm indigenous fish as a business. They receive technology in terms of infrastructure (production cages) and training to manage a fish farm, including diseases and harvesting.
  • Essential oils: These are valuable oils that are extracted from the leaves and flowers of plants. Communities benefit from skills development and training, and their businesses are linked to the local essential oils market.
  • Indigenous medicinal plants :  Communities are taught to grow indigenous herbs commercially. These plants have special medicinal properties which have been scientifically proven. Communities receive training in farming methods and in how to start a commercial enterprise and their businesses are linked to local markets.

The DST does not support individuals, only communities and community groups. These communities are then helped to form a viable community business, in the form of a Section 21 Company or cooperative. In order to use these technologies and produce valuable crops in essential oils and indigenous medicinal plants, communities need to have access to suitable agricultural land.  Similarly, communities that want to benefit from fish farming must have access to irrigation dams.

Contact the DST Technology for Sustainable Livelihoods :   012 843-6421/18

Registering your business

When you start a business, it needs to be registered. To do so, fill in the relevant forms and submit them to the Companies and Intellectual Property Registration Office (CIPRO).

Contact CIPRO :  0861 843 384

Support For Youth

The Umsobomvu Youth Fund helps youth set up, expand and develop their businesses by teaching them essential business skills. Umsobomvu has the following programmes:

  • The Franchise Fund helps youth to start and maintain their businesses. Through loans and a voucher system, it helps young people to access business support.
  • Entrepreneurship Education Training: This training is aimed at helping young people understand the concepts and principles of entrepreneurship and business.
  • Cooperative Training: This is basic training for young people on setting up and running a youth cooperative business.
  • Graduate Development Training: This is a training programme for unemployed graduates to enhance their life and professional skills.
  • Business Consulting Services Voucher: These are services designed to help youth set up, expand or develop their businesses.

Umsobomvu youth Advisory Centres (YACs) are walk-in centres around the country where youth can receive information, training and referrals services – in fact, everything they need to find employment or start their own businesses. YACs provide outreach services to communities that are unable to get to the centres, by taking career information, skills development and entrepreneurial advice to local schools in Mobile YACs.

Contact Umsobomvu :  08600 YOUTH (96884) Contact Umsobomvu Business Partnership :  011 470-3111 Websites :

National Youth Service (NYS)

The National Youth Services is about involving young people in the development of our country. It is an opportunity for young people to actively serve their communities. The National Youth Service Programme aims to create a culture of service. It develops the skills, knowledge and abilities of young people. It also improves youth employability by giving opportunities for work experience and skills development, and by providing further learning opportunities.

For more information on the NYS, turn to the Expanded Public Works Programme.

Support For Women

South african women in construction (sawic).

Sawic is a national association of women enterprises or professionals and technical staff in all areas of construction, from the skilled trades to business ownership, with international affiliation to the National association of Women in Construction (Nawic). Sawic administers, facilitates, advocates and lobbies all the Departments of Public Works for the empowerment of its members.

Contact Sawic :  012 337-2400/2174

Technology for Women in Business (TWIB)

This programme aims to make science and technology more accessible to women in business, especially those in SMMEs.

Contact TWIB :  012 394-1644 Website :

The Gender and Women Empowerment Unit of the Department of Trade and Industry (the dti) manages the South African Women Entrepreneurs Network (SAWEN). SAWEN helps women overcome the obstacles that they still experience in business.

It compiles a database of women-owned enterprises, in order to help women help one another. It organises networking forums, facilitates capacity-building programmes, and lobbies and advocates for policies that support women entrepreneurs.

Contact the Department of Trade and Industry:  012 394-1606

Share this page

business plan for funding in south africa

Company Partners, Quick and Easy Company Registration Services

New Company Types:

  • New Company Registration
  • Register a Company Fast
  • Co-op Registration
  • Personal Liability Company Inc.

Non Profits:

  • NPC Registration
  • NPO Registration
  • NGO Registration

Shelf Company:

  • Shelf Companies
  • CC Registration

Industry Specific:

  • Construction Company
  • Security Company
  • Transport Company
  • Offshore Company Registration

Discounted Package Types:

  • Company Registration Packages
  • Shelf Company Packages
  • Construction & Building Packages
  • Industry Specific Packages
  • All Packages

Pre-registered Companies

Find the right service for you:.

  • All Services - Quick Search

Company Registration

  • New PTY Company

SARS / Tax Services:

  • Tax Registration at SARS
  • Tax Clearance Certificate
  • VAT Registration
  • UIF / PAYE / SDL Registration
  • Import / Export License
  • SARS Representative
  • Tax & VAT Returns at SARS
  • PBO Registration

Workmans Compensation:

  • COID Registration
  • Letter Of Good Standing
  • Return Of Earnings
  • UIF Registration (DOL)

Construction / Security Compliance:

  • CIDB Registration
  • NHBRC Registration
  • PSIRA Registrations
  • PSIRA Grade E – A

Accounting Services:

  • Monthly Accounting
  • Monthly Payroll

Tender Documents:

  • BEE Affidavit / Certificate
  • CSD Registration
  • Business Plan
  • Company Profile

CIPC Services:

  • Annual Returns at CIPC
  • Beneficial Ownership
  • Company Amendments
  • Trademark Registration

Growth Services:

  • Free Start-up Workshop
  • The Solar Installer Program
  • Cross-Border Permits
  • EUR1 Certificate
  • Trust Registration
  • POPI Compliance Certificate

Marketing Services

  • Logo Design
  • Website Design
  • E-Commerce Website
  • All Marketing Services

Everything About Us & More:

  • Our Company Profile
  • Testimonials
  • Latest Reviews
  • Reseller / Agents
  • Client Login

Join our Team

Resellers / agents.

  • For Accountants
  • Resellers/Agents

Business Plan in 1-Week

Get your Business Plan set up by a Business Plan Specialist in South Africa. Tender & Funding Application Ready. All Industries.

Starting @ R3490 once-off.

Register Now & Get a Free Consultation

A business plan is a written document that describes the operational and financial objectives of a business and outlines how it is going to practically achieve its goals. It is normally prepared by a Business Plan Writer. A professional business plan in South Africa also enables you to apply for outside financing / funding.

Our Business Plan Packages comply with SEDA, SEFA, Dti, NEF, IDC, Private Financial Institutes and Bank Requirements in SA.

Get your business plan service today, crafted by our expert business plan consultants, with these great inclusions:, business plan for small business, perfect for start-ups & smes..

  • 20 - 30 Pages
  • Professional Business Plan Layout
  • 12-Month Financial Projections*
  • Market Analysis & Customer Segmentation
  • Industry Analysis & Trends
  • Competitor Analysis
  • Business Model Description
  • Competitive Advantage & Unique Selling Points
  • Professional SWOT Analysis (Strengths and Weaknesses, Opportunities and Threats)
  • Word Template For Future Editing
  • Click to view example of a Business Plan for a SMME

R3490 Once-Off

*Upgrade to 5-Year Financial Projection available at additional cost.

Specialised business plans prepared by our business plan writer for SA Companies

Our Industry Specific Business Plans

Most construction tenders require you to submit a construction business plan. certain governmental regulating bodies also requires a specific industry related business plan. for example psira. , construction business plan, construction & building.

  • 20 - 30 Pages Business Plan
  • Professional Looking Layout
  • 5-Year Financial Projections
  • Construction Market Analysis
  • Customer Segmentation
  • Construction Industry Analysis
  • Construction Industry Trends
  • Your Competitive Advantage & Unique Selling Points
  • Professional SWOT Analysis

R4490 Once-Off

Security business plan, psira's required format.

  • 25 Pages Business Plan
  • Security Market Analysis
  • Security Industry Analysis
  • Security Industry Trends

Agriculture Business Plan

Farming & agriculture industry.

  • Agriculture Market Analysis
  • Agriculture Industry Analysis
  • Agriculture Industry Trends

R3990 Once-Off

Cleaning business plan, cleaning industry.

  • Cleaning Industry Analysis
  • Cleaning Industry Trends

NOTE: We can assist with ALL Industries including, Restaurants, Coffee Shops, Real-Estate and much more.

Specialised Business Plan

The specialised business plan includes everything you find in a professional & industry specific plan, plus these great inclusions:.

Our Business Plan Consultant will craft a specialized business plan based on your industry.

  • 60 - 80 Pages
  • Specialised Plan Layout
  • In-Depth Market Research
  • TAM (Total Addressable Market)
  • WTP (Customer Willing to Pay)
  • MRS (Market Revenue Size)
  • In-Depth Company Model Analysis.
  • In-Depth Business Strategy
  • In-Depth Marketing & Sales Strategy
  • A Competitive Advantage Analysis
  • SWOT and PESTEL Analysis

R19990 Once-Off

Get compliant from anywhere, easy and fast.

business plan services offered by professionals at company partners, with several industry specific business plan packages

50 000+ Clients assisted since 2006

Company Partners assists South Africa’s Entrepreneurs to become registered, empowered, and grow into sustainable businesses. Specialising in company registration and compliance since 2006, we have expanded our expertise to include accounting, payroll and website design.

We begin with a free consultation, offering tailored support to align with your business objectives. Our 120 compliance services include Shelf Companies, COIDA, Imports/Exports, Business Plans, VAT, and others.

We are dedicated to providing the tools and guidance necessary for businesses to develop and thrive over the long term.

We are here to help you succeed!

business plan for funding in south africa

Free Consultation

Free Consultation with a Compliance Specialist to assess exactly what you need.

business plan for funding in south africa

Over 120 Services

Full-Scale Compliance Services for all industries, as well as Monthly Tax, Accounting and Payroll Packages.

business plan for funding in south africa

Startup Business Kit

Free Training for SA’s Entrepreneurs through our free start-up videos and paid business coaching.

business plan for funding in south africa

Online Tracking

Secure Online Tracking System for all your Company Compliance (free).

business plan for funding in south africa

If we cannot assist you, you are guaranteed your money back.

What our Clients say!

4,5 out of 5 from 322 Google Reviews

Over 1000 testimonials and counting. Click here to view more

Frequently Asked Questions

What is the purpose of a business plan.

It is a document prepared by a Specialist Consultant / Writer (who has a comprehensive understanding of companies) that outlines and summarises the financial and operational objectives of the company and practically describes how the company will achieve its goals.

call us toll free and get help from a business plan specialist

Do I really need a Business Plan?

In simple terms, yes. Not considering the compliance aspect and funding opportunities. The process of the business plan will allow you to have a better understanding of exactly how you are going to start and grow your company to be successful.

What are the Advantages of a Business Plan?

1) A game plan . A business plan can be considered to be a roadmap for the company. It will allow for focus and direction towards one goal, although things may change in the first few months – the end goal will be known.

2) Compliance . Depending on what your company will be supplying, be it service or product, many governmental regulating bodies will request a formal business plan for the specific industry. You can read more about various Company Compliance – here

3) Financing & Funding . To be eligible for funding, investors will want to know all about your company. They will look for things such as who your target market is and, ultimately, whether your business is profitable. A business plan outlines all these points.

Is a Plan necessary if I'm not looking for funding?

Many entrepreneurs are under the impression that a professional plan is purely for financial funding, this is however not the case. At the onset of your venture, a comprehensive plan will help you get a realistic picture of your capabilities and viable strategies. Once your business is off the ground and thriving the way in which you intended it to, your business plan will allow for direction and guidance to continue to thrive.

Meet our Specialist:

Brend Badenhorst has written over 500 business plans for existing and new companies all over South Africa – He is a SETA Business Facilitator with a team of dedicated specialists. They will walk you through the entire process and ensure that you have the correct plan for your company.

We will setup your Plan according to the regulations of:

  • All major South African Banks.
  • Funding Institutes in South Africa.
  • Government Tenders / Contracts in SA.
  • The National Industry Regulators like PSIRA.

Signup for a Free Consultation and speak to a Business Plan Specialist today!

If you are looking for a business plan south africa call us toll free to discuss business plan for small business

Our Plans are designed according to the regulations of:

  • Finance / Funding Institutes in South Africa.
  • South African Banks (FNB / Standard bank / Nedbank / ABSA). We are Official Partners of Nedbank.
  • South African and Government Tenders / Contracts.
  • The National Industry Regulator.

Apply above to speak to a Specialist today!

Will I get funding?

We do not guarantee funding. We provide you with a business plan document which is one of the documents required to apply for funding. You can learn more about becoming funding ready in our informative article which was published on Bizcommunity.

Speak to our professional business consultants to help with getting you funding ready today.

Contact our professional business plan writers, in South Africa, toll free.

Are business plans highly visual?

They are by no means filled with graphics and images, however at certain sections or parts of the plan displaying graphics is highly beneficial to convey a message. At Company Partners, we understand that a visually appealing business plan can be more engaging. Including graphs, charts, and relevant images can help in effectively communicating key data and strategies, making your business plan stand out.

How much does a business plan cost?

The cost varies depending on whether you’re doing it yourself or hiring a professional like Company Partners. We offer tailored services that can accommodate different budgets, ensuring quality and strategic insight. A professionally created plan for a Small Business of approximately 20+ pages will cost R3490.

How can I write a business plan?

Start by defining your business idea, conducting thorough market research, and detailing your marketing and operational strategies. If you have trouble organizing all these different elements into one single document, don’t be afraid to look for quality free templates online. You can also view the Company Partners example to act as a guide you through this process, ensuring that your plan is comprehensive and tailored to the South African market.

What makes a good business plan?

A good plan is clear, concise, and detailed, with a strong emphasis on market analysis and financial projections. The professionals which view your business plan to make a decision whether to invest or fund you needs to have a clear picture of your trajectory and if their investment/money will be well spent. Company Partners ensures that your plan is adaptable and strategically aligned with your business goals.

What is a business plan consultant?

A consultant, like those at Company Partners, specializes in assisting businesses to create strategic and effective business plans. The specialist consultants have years of experience through working in companies to give them an in-depth understanding of how it works. Our experts bring this in-depth knowledge of market trends and financial modelling into the writing process.

Call Company Partners toll free for assistance with your business plan from R3490

Can I hire someone to write my plan?

Yes, and Company Partners offers this service. Our experienced consultants can craft a plan that aligns with your vision and market requirements, providing valuable insights and expertise. The best of all is that we can help anywhere in South Africa.

Should a business plan include a SWOT analysis?

Including a SWOT (strengths, weaknesses, opportunities, and threats) analysis is crucial as it provides insights into your business’s competitive position. A SWOT analysis remains a very effective tool to analyse your company. Company Partners can help you identify these key factors, ensuring a well-rounded and strategic business plan.

What is the difference between a Business Plan and a Company Profile?

The purpose of a Company Profile is to furnish a comprehensive outline of your organization. A biography highlights both personal and professional accomplishments.

A business plan encompasses strategies pertaining to marketing, sales, and operations and used to apply for Funding and Industry regulators.

business plan for funding in south africa

business plan for funding in south africa

Small Business Funding in South Africa - The Complete Guide

Despite a challenging and competitive environment, small businesses in South Africa have a variety of options when it comes to funding opportunities, each with their own pros and cons.

We’re going to break down everything you need to know in order to make an educated and confident decision about whether you should consider small business finance, and which type of funding best suits your needs.

This guide is intended to give you an overview of the entire small business finance space in South Africa. We cover everything from SME finance solutions to crowd funding, to government grants.

What is Small Business Funding?

There are a lot of big words thrown around in the business world, but what exactly is small business funding?

The one thing to remember is that small business funding is designed specifically for small businesses. That means they do not follow the traditional banking model where a client would need to put up surety (collateral) in order to receive funds. Small business funding works in such a way that businesses who don’t yet have the capital or assets to provide surety, can still get access to funds using new-age technology. Depending on your needs, and your type of business, there is a type of funding out there that suits you.

A lot of people will ask why it is expensive compared to traditional bank finance. The reason is the fact that the financers are often only relying on technology to make a credit decision. They are essentially ‘guessing’ (using very complicated algorithms) how risky a business is. Often, they will extend a business cash without any surety or collateral. That means these loans are more risky for lenders, and therefore more expensive than a bank loan where there is always collateral on the table.

However, because of the advancement in technology and financers having experience in the South African market, the interest rate (or set fee’s) on small business loans is reducing. They are often times the only (and best) solution for a small business that is desperate for cash to grow their business.

It sounds complicated, we know. That’s where FundingHub steps in . We understand the market, so you don’t have to. When you apply through FundingHub, we do all the hard work of funding the right funding solution for you. Depending on your business type, and needs, we’ll give you options so you can choose the best deal for you business, and access the funding you need.

This money can be used to help deal with operational costs, stock, equipment, or anything else your business may need.

This is often done when cash-flow is low or capital is in need to get the business off the ground, to help secure a new client or order, bridge a gap between payments, or to grow a business from one stage to the next. Of course, there’s no ‘one-size-fits-all-reason’ as to why a business should look into small business funding, as each business has its own unique revenue model, goals, and operations.

Should I Consider Small Business Funding?

Before you even embark on exploring funding options for your small business, you should ask yourself: does my business really require funding? There are a few questions to ask yourself in order to understand your needs and current state of your business.

Is your business eligible?

Unfortunately, FundingHub does not fund any startups. To be eligible for funding, you have to meet the following minimum requirements:

  • Your business has been trading for 6 months. This means you have had revenues coming into your bank account for 6 months, at least.
  • Your business has a monthly turnover of at least R30 000 (or yearly turnover of approximately R350 000)

Is your business currently successful?

If your business is doing well, you have adequate cash-flow, and are able to turn a profit, it’s unlikely that you actually need small business funding.

It’s always good to keep in mind that most small business funding avenues are often loan agreements in one form or another. Debt can be a tricky thing to deal with, even if a loan seems attractive right now.

However, there are small business funding options which reduce the risk and time associated with traditional loans.

Before you apply for funding, consider why you need the money.

What do you need the finance for?

The most important question you should be asking yourself is what the funds are for.

This will guide your decision most significantly.

If your finance is for growth, you need to ensure that the interest rate on the loan is not more than the potential return on investment that that money may yield. If it does, the loan will be costing you money.

If your finance is for other purposes, you need to make sure that the monthly repayment due for that loan is going to be repayable with your current cash flow.

Reasons for Small Business Finance

  • Growth Capital

If cash is the only thing preventing you from taking your business to new heights (perhaps you need a new forklift for your warehouse?), then small business financing could help bridge that gap and is something to consider.

Working Capital

Working capital finance is best used in any situation where your business faces a cash deficit. There a lot of different types of finance that are classified as ‘working capital finance’. Think of working capital finance as the solution to turn to whenever you are unable to pay someone (i.e. short on cash).

Here are some specific working capital finance solutions that can help you:

  • Purchase order funding for small businesses is an option, where you can use your purchase order documents from the reputable customer or client in order to draw funding from a bank or company. This financier will often directly pay for the stock you require from your supplier, in exchange for a portion of the profits.
  • Invoice Factoring
  • Revolving Credit
  • Unsecured Loan
  • Secured Loan
  • Debtor Finance

Specific Needs

Sometimes, it is best to use a very specific type of finance that is suited exactly to your situation. By using these types of finance, the overall deal can often be more advantageous and/or cheaper for your business, because of the way the deal is structured. Here are some examples of situations where you might consider a specialized type of finance.

Contract Fulfillment

Otherwise known as purchase order finance or tender finance, this is specifically built to help your business fulfill a large contract.

The financer will extend you money to buy the goods/resources you need and then on fulfillment of the contract, you pay the financer back. Typically, they take a percentage of your revenue earned, which means you don’t have to come up with any cash to fund the deal. Everything is taken care of when you get the money in your pocket.

Equipment Purchase/Lease

This is especially applicable if your business is looking to buy or lease some equipment, but don’t want to fork out the lump sum in cash to pay for it straight away.

Equipment finance can be used for a wide range of uses; office furniture through to TLB’s and bulldozers.

The most common process used is a lease-to-own contract where the equipment you are financing actually belongs to the financer up until the day you pay your final installment. That way, there is less risk for the lender, you don’t have to provide any other collateral, and the loan is overall cheaper for your business.

Property Purchase/Upgrade

Another specific case for small business finance is when a business wants to upgrade its premises, or buy a new one. There are specific finance houses who will finance these deals, and use your business premises as collateral for the finance. These are typically the cheapest types of small business finance loans because there is security available for the lender.

SME Finance Providers

These are all the players in the small business finance space in South Africa.

Small Business Specific Solutions

Technology has enabled a new breed of small business lenders to start operating in South Africa. They are bridging the gap between the traditional business finance model that banks have previously offered and the needs of SME’s in South Africa.

FundingHub has established relationships with over 40 business lenders in South Africa. Some of these include:

  • Retail Capital
  • Merchant Capital
  • Spartan Finance
  • Pollen Finance
  • Redtree Capital
  • Chester Finance
  • Keitzman Finance
  • Cash Flow Capital
  • Profit Share Partners
  • Business Partners
  • Business Fuel
  • The People’s Fund
  • CapX Finance
  • Bright On Capital

Most of the notable banks in South Africa, including the likes of Nedbank, Standard Bank, and FNB, offer loans to small businesses, if you have security to provide.

Banks usually offer the following types of loans:

  • Secured loans: Companies can use collateral in order to secure a loan (and a favourable interest-rate) from a bank. This collateral could include a property, assets, or inventory.
  • Property backed loans: A specific type of secured loan where property is used as surety on the loan.

For small businesses, this can be a challenge. Buying property or assets which can be used as collateral on a secured loan is expensive, an often times out of reach for small businesses.

That’s where the need for small business specific solutions arises from.


Instead of approaching one large entity such as a bank or a single investor, crowdfunding involves trying to raise small amounts of money from a large number of people.

Crowdfunding can be very successful, especially if entrepreneurs share their business plans, pitches and progress via social media to spread awareness.

Utilising online tools, such as Kickstarter, BackaBuddy, or GoFundMe platforms can help generate interest and investment into your business or idea.

State / government

The South African government does have funding opportunities for small businesses, which can take the form of non-repayable grants (these do not have to be paid back, depending on your business), incentive opportunities (such as tax incentives to assist with cash-flow after a certain period or goal is met), and government equity funding , which would see the state purchase a portion of your business, making them shareholders.

Each of these have their pro’s and con’s. You should carefully consider where you are in your business life-cycle, and make your decision from there.

Types of Small Business Finance

Alongside the traditional small business loan agreements with banks, there are some other funding instruments that could potentially suit the different needs and situation of your business:

Purchase order finance

Often small companies (or even larger-sized ones) who may have received an order or have been requested to provide a product, stock, service, or resource that may be out of their scope, will likely look to purchase order financing.

That’s where you can step in as the provider of this service. If you have an official purchase order from a reputable company, along with your company's documentation and credit history being up to date, you can apply for purchase order financing.

Check out our full guide on Purchase Order Funding to find out more.

Equipment finance

Alongside the internal cash-flow of your business, you may need to raise funds specifically used for equipment, which can be extremely expensive. Thankfully, there is the avenue of Equipment Financing to assist with this.

The benefits of Equipment Financing is that it offers flexibility, which can entail custom-tailored deals that take into account

  • The type of equipment you’re buying, along with
  • Its intended use,
  • How long you plan to utilise it for, and
  • The amount of capital you have available.

These considerations may seem negligible, but they can drastically alter the conditions of the loan, lower your capital outlay risk, and get you a far more favourable interest rate.

Angel Investors

If your business is not in a position or capacity to apply for formal financing options, the world of angel investing could be your go-to. Private investors often invest in small businesses if the concept or promise-of-returns is of interest to them. This angel investing funding is usually done in exchange for shares or equity in your business; so if you’re in the early stages of your business and unable to acquire a loan from a bank, approaching angel investors is an alternative option – just be willing to part with a portion of your company in exchange for a cash injection.

Business Incubators

South Africa has seen a big growth in the business incubator industry, whereby organisations or companies will find new start-ups to help grow and accelerate their business. They may provide startup capital and/or other resources, such as office space, management training, and financial and marketing advice.

A brief overview of the different types of funding FundingHub can offer.

Advantages of Small Business Funding

While taking a loan or receiving funding may be a daunting prospect, it can help provide your business with the capital or cash-flow it needs to achieve greater success. Of course, finding the right funding solution for your business is the key. There are some advantages to receiving small business loans or funding:

  • Boosts available cash for enterprising growth.
  • Quick to access.
  • Fair interest-rates (depending on the terms and conditions agreed upon).
  • Allows you to purchase otherwise extremely expensive machinery or stock.

Disadvantages Small Business Funding

Of course, any sort of credit line or loan comes with pros and cons, and in terms of the disadvantages, it will essentially put your company in debt to an entity or personnel who provided the funding.

Some of the disadvantages to consider when seeking funding, include:

  • Firstly, your business may not get approved.
  • You may have to offer up assets as collateral.
  • Even if approved, you may not get access to the cash you wanted.

The Finance Application Process

That’s where FundingHub steps in. We take the hassle out of finance.

All you have to do is full in an application form online, and we will guide you through the process.

Alternatively you can phone us at 087 057 1412 and we’re happy to talk you through the process.

More Reading

A picture of an angle-grinder

Purchase Order Funding: The Complete Guide

A picture of an assembly line for a purchase order

Finding Tenders & Purchase Orders Online

business plan for funding in south africa

We use cookies to optimise the user experience. Tell me more

Please take note

You are about to leave the Absa website. The content of the website you are visiting is not controlled by Absa. This link is being offered for your convenience and Absa is not responsible for accuracy or security of the information provided. We recommend that you read the privacy policies and terms of the other website. The requested site will open in a new window.


  • Private & Wealth
  • Absa Online
  • Online Share Trading

Wealth and Investment Management

  • Business Online Banking
  • Electronic Mailbox
  • International Trade Finance
  • International Cash Management
  • iMX Extranet
  • Business Integrator Online
  • Absa Investments
  • Cash Self Service
  • Data Security Manager
  • ISO Merchant Onboarding
  • Commercial Online Banking
  • Fleet Management System

business plan

Do it all with a comprehensive business plan

A business plan is a roadmap of your business. It details how your business wants to achieve its goals and should include its operational, financial and marketing strategies.

Enterprise and Supplier Development

Access business support services through our Enterprise Development Centres.

Tell me more

Alternative funding

We offer tailor-made financing solutions to small, medium or micro enterprises (SMEs).

See what we offer

A good business plan should answer the following questions

  • What type of business do I want to run - will I be selling products, services, or both?
  • What products or services will I be selling?
  • Will the business be manufacturing products or buying them from a manufacturer?
  • Will I be in business by myself or in a partnership?
  • How will the business be funded?
  • What market will the business be serving - in other words, who are my customers?
  • Who are my competitors and how will I overcome competition to succeed?

You can use a standard format to draft a business plan

  • Business details - include the name of the business and/or trading name as well as the physical address.
  • Business overview - describe what your business is all about.
  • Business operations - state what you sell as well as how and who you will sell to.
  • Business environment - describe factors that will impact your business, like; sales, customers and debtors.
  • Sales and customers - describe in detail your sales projections, the number of customers you want to attract and their locations.
  • Debtors - state how you will deal with customers when it comes to credit.
  • Creditors/Suppliers - describe how you will relate with suppliers when it comes to payment and deliveries.
  • Competitors - identify your key competitors and describe your competitive advantage over them.
  • Financial review - for a start-up this may not apply but for established businesses include your financial reports, your business’s current financial position and your financial plans going forward.

Need more help?

Let one of our consultants assist you.

Contact your relationship executive.

Call us on:  0800 227 592.

Download the Absa Banking App today

istore-image button click

Latest offers

Find a branch

Safety and security

Market Indices

Guides to help you bank

App, Online and other banking 

Exchange rates 

Banking rates and fees

Investor Relations


Media Centre


Personal Banking

Business Banking

Corporate and Investment Banking

Legal and compliance

Terms of use

Banking regulations

Privacy Statement

Switch to Absa

Business debit order switching

Send your feedback

011 501 5050

or 0800 11 11 55

Absa Head Office: Absa Towers West, 15 Troye Street, Johannesburg, Gauteng, South Africa, 2000

Terms Of Use | Banking Regulations | Privacy Statement  | Security Centre  | � Copyright. Absa Bank Limited, Registration number 1986/004794/06. All rights reserved |  Authorised Financial Services Provider and a registered credit provider (NCRCP7)

New Logo_edited.jpg


Unlock your business potential with funding connection your path to financial success  .

Funding Connection, established in 2017, is the leading business plan consultancy in South Africa. With a success rate of over 80%, we have helped more than 30,000 clients secure funding, raising over R 70 billion. We work closely with government institutions, commercial banks, and select financiers, submitting applications and raising funds every week. Trust us to be your reliable partner in raising the capital you need for your business.

Whether you're starting up or expanding, we provide comprehensive services to help you obtain funding. Our team of experts, including business plan writers, research specialists, marketing experts, coaches, and consultants, will guide you throughout the process. We offer services such as business plan writing, feasibility studies, funding application assistance, pitch deck presentations, company profiles, and professional consulting tailored to your venture.

In addition, we have developed "How To" guidebooks for various businesses, enhancing your knowledge and promoting growth.

Our commitment to confidentiality ensures that your information and ideas are protected. We prioritise supporting SMMEs and local entrepreneurs to foster the growth of the South African economy. Contact us with confidence, knowing that your information will be handled securely and that we are dedicated to your success.

We assist with:

Business Plan

Having a solid business plan is essential for a successful funding application. That's why we offer expert assistance in developing clear and concise business plans. We'll be with you every step of the way, providing guidance and support to ensure that your business idea is presented in the most successful and profitable manner possible.

Financial Model

All financiers anticipate receiving a financial forecast to gain insight into the future trajectory of your business over the next five or ten years.

While you may be at ease in crafting the business plan, creating a financial forecast proves challenging for numerous business owners. We can assist you.

Company Profiles

A well design company profile will assist you to present your business to your potential clients, landlords and is required as part of your tender documents. We have a team of experts to showcase your unique mission, goals, vision, and history.

Market Research

Our market research services aim to provide comprehensive insights and analysis to assist businesses in making informed decisions. We offer a range of services tailored to meet your specific needs and objectives Click the button below to contact us. 

Support to Apply for Funding

We provide support to both start-up and established companies seeking to raise capital and secure grants or loans. With over 70 different programmes available for businesses in various industries in South Africa, we can help you identify the most suitable options for your specific needs.

Company Proposal

A business proposal is a formal document presented to prospective clients or partners to outline a proposed solution or offering for a specific business need or opportunity. It serves as a persuasive tool to convince the recipient that your proposed solution is the right choice for them. Click the button below to contact us.

Books and Courses

We've created a range of exclusive and insightful guidebooks tailored to selected South African industries. Our in-depth marketing guides are designed to kickstart your sales, and we've also compiled entrepreneur guides that cover critical aspects of managing a successful business.

Investor Pitch Deck

An investor pitch deck is a crucial tool for entrepreneurs and businesses seeking funding from potential investors. It is a presentation that provides a concise and compelling overview of your business, highlighting its value proposition, market potential, and growth prospects. We are here to assist you.

Blue Washed Wall

R 70 Billion +

Projects completed

Industry and Market Experience


Helping our clients to Succeed!

Screenshot 2023-11-06 090516.png

Thanks for submitting!


Business Funding in South Africa – Where and How to Apply

  • December 10, 2021

business plan for funding in south africa

Being a small business in South Africa, you may run into numerous issues that other international companies may not have to consider. Being prepared for these things will give you an instant advantage over your competitors, however – we understand that preparing for them is easier said than done. With an unpredictable economy, having access to additional funding is essential for your business’s stability and growth. 

What Additional Funding Options Are There? 

There are many different funding options for businesses in South Africa, the most common being the traditional route of seeking out a loan from a bank. However, most SME’s in South Africa may find that they do not actually meet the requirements to qualify for traditional means of business funding and should then turn to alternative funding solutions, such as business funding through GroWise Capital. It’s vital to do your research before acquiring financial assistance to ensure that what is being offered is in fact the right solution for you and your business’s needs. 

Also Read: What Is Alternative Funding?

How Would Additional Business Funding Affect My Business Credit? 

While to apply for additional business funding in the first place requires you to have your personal and business credit in good standing, once acquired, additional funding can either raise or lower your credit score depending on how you manage it. To ensure that your credit stays in good standing, it’s important to make your repayments early or on time. Missed, disputed or late payments will negatively effect your credit and could potentially hinder you from receiving additional funding in the future, and with the South African economy being as unpredictable and volatile as it is – having the option to apply for additional business funding is critical. 

Also Read: Why Maintaining Your Business Credit Is Important

When Should You Apply For Business Funding?

Majority of the time, businesses will apply for funding to cover things like: new machinery, product development and production, expansion or even unexpected costs that put the business under financial strain. However, having extra capital available before you encounter these extra costs is more beneficial to your business than applying for it as you need it. Not only will this enable you to make your move as you need to, but you’re also able to bounce back from any financial set backs sooner rather than later. 

Also Read: Why You Should Apply For Business Funding Before You Need It. 

Additional funding, for any business – especially in South Africa, is something that can not only ensure your company doesn’t sink when the economy takes a beating, or fall under financial pressure when you reach the natural point of  expansion, but it also allows you to plan extensively for said moments. Being ahead of the trends, bumps in the road and your success markers enables your business to flourish through the good times and more difficult times, so it’s important to be aware of your funding options and have a deep understanding of what additional funding solutions will be best suited to your business goals from the beginning. 

Do I qualify for funding from GroWise? 

You are a good candidate for quick funding solutions from GroWise if your business:

  • Is  older than 6 months.
  • Is registered with the  CIPC
  • Has an average monthly turnover of R30K+

What funding solutions can we offer you?

Business cash advance .

Simply put, a cash advance is a purchase of your company’s future income based on all your income streams, with customizable terms and either pre-determined or variable repayment amounts, so you can easily plan how you’ll utilize your funds.

Merchant Cash Advance

A purchase of future income with flexible repayments deducted directly from your merchant account.

Merchant Stock Advance

At GroWise Capital we also have a Merchant Stock Advance as an alternative funding option. It’s easy! We buy your stock, and sell it to you. Easy and flexible repayments to fit in with your business!

What you can expect when applying for business funding through GroWise:

Tailor-made funding, flexible payment terms, fast turn around times.

There are countless reasons to seek out funding, and our goal at GroWise is simple, to get your business funded and growing… fast. 

Click here to have one of our team members contact you.

Click here to apply for funding for your business.

Business Plans

Need A  Business Plan For Your Business?

Awesome you're in the right place. we write business plans for businesses just like yours. and not the fill-in-the-blank type of business plan that you have probably already tried to complete on your own either,, but solid, implementable plans, written by a real business planning expert, that are professional, worthy of funding, and contains everything that you need to reach your goals. in short - the type of plan that can help you to become more successful., all our business plans meet the requirements of the nef, idc and all major south african funding institutions. plus we will guide you to apply for funding and prepare all due diligence requirements from funders., what is a business plan, why do you need a business plan.

  • You need start-up or expansion funding from a bank, sme development fund or private investor.
  • To apply to be an approved agent to import and export goods
  • You want to manage business more professionally and be more in control.
  • You plan to lease a business premise.
  • You are submitting a tender.
  • You need project finance.
  • You are starting up a new business unit in an existing company.
  • You are buying a business or franchise.
  • You are applying for a government or international grant.
  • You want to lay a strategic map for your business, understadn your competition and of course outsmart them

What should a Business Plan contain?

How do you make a business plan, templates & market research, the role of bplans consultants.

  • Early Stage Entrepreneurs
  • Small Business Owners
  • Mid-Sized to Larger Companies
  • Non Profits and Governmental Agencies

Comprehensive Plan

Executive plan, integrated plan, our process.

How we work with you

You send us a filled-in form on our website with your details

We issue a proposal to you, we request a deposit payment to initiate the project, newsletter subscribe.

Subscribe to our mailing list to get the updates to your email inbox.

Email address:

Our Services

Financial Models

Digital Services

90 Rivonia Road, Sandton

Johannesburg, South Africa

+44 7368 942139

[email protected]

Bplans Africa is a premier business development company based in Johannesburg, Gauteng. We help entreprenuers to develop their businesses from concept to inception through custom advisory and implementation of strategy.

Please note that all office visits/consultation are strictly by appointment.

Copyright © 2019 All Rights Reserved.

StartUp Magazine South Africa

20 South African Institutions Currently Offering Business Funding In 2020

business plan for funding in south africa

Whilst 2020 has been a tough year for South African businesses and entrepreneurs, it’s great to see that there are many institutions offering business funding solutions still. Below is a list of 20 South African Institutions Currently Offering Business Funding In 2020.

Established in 2012, the Small Enterprise Finance Agency (SEFA) helps start-ups and small businesses. They will either fund grants or loans or help entrepreneurs access funding from other sources. SEFA services are designed to help micro, small and medium-sized business enterprises. Co-operatives and survivalist enterprises that need help to grow are especially encouraged to seek assistance.

Loans from SEFA can range from as little as R500 up to R3 million, with the loans paid directly to owners. This direct payment is important in a business sector that is often not part of the traditional banking system. 

Micro, small and medium enterprises and co-operatives with a viable business plan can apply for a loan. SEFA staff will evaluate the application to determine the viability of the loan, and at what rate it can be repaid without damaging the company.

E-mail:  [email protected] (link sends e-mail)

Call centre: 086 000 7332


If you are directly involved in your business and need funding between R250 000 and R75 million, the National Empowerment Fund (NEF) may be able to help. It is mandated to offer financial and non-financial assistance to black-owned businesses.

Funding decisions are guided by the Industrial Policy Action Plan across a variety of sectors. Start-ups can qualify for funding up to R10 million. The NEF also offers assistance for rural and community development, franchise finance and new industry development.

Call centre: 0861 843 633

Website: is external)  / is external)

The Small Enterprise Development Agency – an initiative of the Department of Trade and Industry – is available to give guidelines and training to entrepreneurs and assist with the processes needed to access funds, such as the drawing up of business plans.

Call centre: 0860 103 703

Website: is external)

How to access services

Eligibility for assistance is based on:

  • A completed application form and business plan by owner or manager
  • Ability to repay loan
  • Business must be registered
  • The business must operate in South Africa
  • Assessment of application will be done at a regional office closest to the business.

After due diligence is done, a committee decides on approval.

Upon approval, before funds are transferred, applicants will be required to sign a contract acknowledging debt.

IDC funding is available to those who have an existing business or wish to start a new one; those that have the visions of job creation along with serving previously disadvantaged communities.

The IDC achieves its goals by providing finance for industrial projects, promoting partnerships between and across industries within SA and internationally. It focuses on projects that finance and facilitate, that lead to the creation and innovation of new industries. It also focuses on diverse expertise to drive growth in priority sectors and to take on higher-risk funding projects.

The IDC supports B-BBEE and actively boosts and promotes black-owned and managed business along with those with employment equity. It aims at developing the skills of black employees and business owners, by supporting local, regional, provincial and national government projects.

Contact the IDC for funding

  • For more information on any of the funds visit , click on “Online Funding” and follow the prompts.
  • You can also phone the IDC call centre on 0860 69 38 88
  • Or email  [email protected] .

5. NYDA Voucher Programme

The Voucher Programme is a business support programme aimed at assisting young entrepreneurs by providing one-on-one business development support to access quality business development services through NYDA approved business consultancy service providers thereby enhancing their participation in the mainstream economy.

Young entrepreneurs access this service through vouchers, which range from R6 600.00 to R19 800.00. There is no contribution fee required for young entrepreneurs to participate in the programme. Each registered entity, is entitled to a maximum of two (2) vouchers as per business development phase.


  •     The applicant obtains and complete an application form from
  •     Visit the nearest NYDA branch in their areas listed on the back page of this leaflet
  •     She/he submits the application form to an NYDA branch
  •     An assessment is conducted to assess the application and his/her business against the service they are applying for.
  •     If approved, the applicant needs to select an accredited service provider from the service provider directory (not supplier directory).
  •     On receipt of the voucher, the selected service provider provides the service and the applicant endorses the voucher on completion of the project.
  •     The service provider then submits the final product to the NYDA for payment.

6.Enablis Acceleration Fund

The Enablis Acceleration Fund is a partnership between Enablis Financial Corporation SA (Pty) Ltd and Khula Enterprise Finance Limited. The main objective of the fund is to improve access to SME early stage funding, while reaching out and supporting SMEs that are developing in remote or rural areas with a view to creating new sustainable jobs that alleviate poverty and reduce unemployment. This acceleration fund offers equity and debt instruments over loan periods no longer than 60 months.

To become a member visit the Join Enablis HERE .

7. Business Partners Women in Business Fund

This organization’s mandate is focused at increasing access to finance for female entrepreneur. The Business Partners Women in Business Fund seeks to afford South African women a fair and equal opportunity to start, expand or purchase an existing business. The Fund will offer finance between the value of R500 000 and R50 million per investment over a five year financing period. All female owned businesses (at least 50%) that are commercially viable with female owners active in the business will be considered for financing.


8. Isivande Women’s Fund (IWF)

In 2008, government partnered with Old Mutual’s Masisizane Fund to set up the R100 million Isivande Women’s Fund which invests directly in women enterprises by offering loans at lower interest rates, as well as offering non-financial support.

Isivande Women’s Fund (IWF) is an exclusive fund that targets black women at the bottom of the economic ladder. The fund is managed by the Industrial Development Corporation (IDC) on behalf of the Department of Trade and Industry through Identity Development Fund (IDF) managers.


9. African Women’s Development Fund

The African Women’s Development Fund (AWDF) is a grant-making foundation that supports local, national and regional women’s organisations working towards the empowerment of African women and the promotion and realisation of their rights. The fund offers grant funding of up to $50 000.


Our  Growth Capital  team provides advisory, structuring, investing and funding for proven high-growth tech-enabled companies in the early stages of growth, whereas a typical Private Equity company would invest predominantly in established, late-stage, high earning businesse

Growth Capital Solutions offers services to entrepreneurial businesses with these characteristics:

  • Early stage of growth
  • Revenues that are growing rapidly (more than 20% growth yoy)
  • A technology-enabled business i.e. technology platforms enable the business offering
  • Positive cash flows, are profitable or are approaching profitability
  • The business is scalable – a proven business model with recurring and predictable revenue streams
  • Strong founders with a track record of delivering on their business plans
  • A sustainable competitive advantage – the founders have built a leading position or are disrupting a particular sector or service
  • Investment returns that are primarily a function of growth, not leverage

Think Precinct 1 Merchant Place Cnr Fredman Drive & Rivonia Road Sandton 2196

+27 11 282 8000

[email protected]

11. VodaLend

Let us fund anything your business needs whether you need to fund moving into a bigger office, buy equipment or property or just to get the cash flow you need to act quickly, we can make it happen. apply now and get the cash you need within 24 hours..

  • APPLY ONLINE We just need some basic details about you and your business and we aim to get you approved in minutes. Or simply call us on 082 1960 and press option 6 or email [email protected]


12. South African film and television production incentive (SA Film)

To support the local film industry and to contribute towards employment opportunities in South Africa.

  • The rebate is calculated as 35% of QSAPE.
  • An additional 5% of QSAPE is provided for productions hiring at least 30% of black South African citizens as head of departments (HODs) and procuring at least 30% of QSAPE from 51% South African black-owned entities which have been operating for at least a period of one year; with a cap of R50 million per project.

Eligibility criteria:

  • Productions must have a minimum QSAPE of R1.5 million for all qualifying production formats and a minimum of R500 000 for documentaries
  • At least 14 calendar days and 60% of principal photography must be filmed in South Africa. This requirement may be waived for productions with a minimum QSAPE of R50 million.
  • A minimum of 75% of the total production budget (TPE) must be QSAPE.
  • The majority of intellectual property must be owned by a South African citizen(s) and the copyright must be registered with the Companies and Intellectual Property Commission (CIPC).
  • The Director must be a South African citizen.
  • The top writer and producer credits must include South African citizens either exclusive or shared collaboration credits.
  • The majority of the five highest-paid performers must be South African citizens.
  • The majority of Heads of Departments (HODs) and key personnel must be South African citizens, with at least 20% of the HODs on core production functions being black South African citizens.
  • Secured a minimum of 25% of the total budget.
  • The holding company and SPCV must achieve at least a level 3 and level 4 B-BBEE contributor status respectively, in terms of the B-BBEE Codes of Good Practice.

General conditions 

  • The applicant must procure a minimum of 20% of qualifying goods and services from entities which are 51% black-owned by South African citizens and have been operating for at least one year.
  • The applicant must complete and submit an application not early than 45 calendar days prior to the commencement of principal photography
  • The applicant must demonstrate that they adhere to an industry specific Code of Professional Standards that includes sexual harassment and health and safety protocols.
  • The principal photography must not commence until an approval letter has been received from  the dti .

13. National Youth Development Agency (NYDA) – Grant

The NYDA provides grant finance in the form of micro-finance grants for survivalist youth entrepreneurship and co-operative grants for greater participation of youth in the co-operative sector.

The objective of the grant programme is to provide young entrepreneurs with an opportunity to access both financial and non-financial business development support to establish their survivalist businesses. The programme focuses on youth entrepreneurs who are just coming into existence and are beginning to display signs of future potential but are not yet fully developed.

The grant finance starts from R1 000 to a maximum of R200 000 for any individual or youth co-operative. For agriculture and technology-related projects, the maximum threshold is R250 000. 

Young people interested in accessing the grant programme will have to commit to participating in the NYDA mentorship and voucher programme for a minimum of two years.

The types of businesses that will be assisted through the grant programme include but are not limited to:

  • Motor mechanics/panel beaters.
  • Electricians.
  • Domestic appliance repair services.
  • Beauticians.
  • Hairdressers.
  • Cleaning companies.
  • Small-scale recycling companies.
  • Street vendors.
  • Car washes.

Eligibility criteria 

  • South African citizens, under 35.
  • Previously disadvantaged, start-up or emerging entrepreneurs.
  • Businesses that are not yet profitable.
  • Applying businesses must be prepared to commit to the two-year NYDA mentorship and voucher programme.
  • The main applicant must be involved in the day-to-day operations of the business.

Application process

Contact your nearest  NYDA branch  to obtain the application form or call them on 0800 52 52 52.

14.Department of Agriculture, Forestry and Fisheries – AgriBEE Fund

The AgriBEE Fund is a support programme initiated by the Department of Agriculture, Forestry and Fisheries. The purpose of the Fund is to promote the entry and participation of black people in the entire agricultural, forestry and fisheries value chain.  

The fund has the following objectives: 

  • The acquisition of equity deals (shares) in viable and sustainable enterprises. 
  • The promotion of Enterprise Development initiatives through value-adds and agro-processing. 
  • To ensure that there is an increased number of black people who own, manage and control sustainable enterprises, and improved participation by designated groups as stated in the respective sector codes, namely, black women, black youth, black farm workers and black people living with disabilities. 

As a general rule, the maximum grant that you can apply for is R5m. The DAFF and/or the Land Bank may exercise their discretion and consider and approve applications of more than R5m. Twenty percent (20%) instead of 10% own contribution is required for such cases. 

Funding exclusions: 

  • Purchasing of farms and farming/fishing/forestry infrastructure at primary level (the Fund supports post-production activities such as agro-processing/value-addition).
  • 100% acquisition of a business at initial investment by the applicant.
  • Investment in farms under land claim.
  • Applicants who are not directly involved in the sector in terms of farming, fishing and forestry activities. 
  • Government employees, Land Bank employees and politicians will not be eligible for the Fund. 
  • You are either an Exempted Micro Enterprise (EME) or a Qualifying Small Enterprise (QSE) in line with the applicable sector codes.
  • You are able to contribute a minimum of ten percent (10%). 
  • The applicant must be black and the project 100% black-owned. 
  • Your business plan has a clear indication of long-term sustainability.
  • You are a South African citizen with valid identity document.
  • Your business is a legal entity.
  • You are directly involved in the business for which you require investment. 

Prior to completing the Application Form, familiarise yourself with the  criteria for funding .

Download business plan guidelines  here.

Download the application form  here .

Download the provincial contact list  here .

15.Development Bank of South Africa (DBSA) – Infrastructure Investment Programme for South Africa (IIPSA)

The Infrastructure Investment Programme for South Africa (IIPSA) is a joint European Union and South African Government initiative, administered by the DBSA. The program seeks to enhance sustainable economic growth and the delivery of key services affecting development in South Africa and in the SADC Region. 

SADC projects have to be either trans-border projects involving two or more countries in the SADC region, or a national project with a demonstrable regional impact on one or more countries in the SADC Region.

The IIPSA will, in principle, consider projects or programmes with a minimum capital investment value of R500m or the equivalent in USD/Euro in South Africa and the SADC region.  

The range of funding is decided on a project by project basis but can be categorised as follows: 

  • Direct grants (up to 100%). 
  • Interest rate subsidies. 
  • Loan guarantee cost financing and insurance premiums. 

Funding is available for projects in the following sectors:

  • Energy infrastructure. 
  • Protection of the environment.
  • ICT infrastructure.
  • Social services and infrastructure. 

Eligibility criteria

Each application will undergo an initial screening to assess suitability in terms of the IIPSA objectives. 

All applications will be subjected to the following criteria which they must meet:

  • Sector or strategic fit.
  • Development impact.
  • National/regional priority.
  • Institutional capacity.
  • Project size.

Read the  application procedure .

Register  on their portal.

16. SME Debt Relief Finance Scheme

Administered by Department of Small Business Development.

-Covers working capital, stock, bridging finance, order finance and equipment finance.

-Amount based on business needs, interest rate of prime-5%.

-Business must be 100% South African owned with 70% employees. 

-Preference will be given to women and youth.

-Register HERE

17.UIF Covid-19 Temporary Relief Scheme

UIF relief fund scheme fund for businesses that need to temporarily lay off staff as a direct result of Covid-19-claims for three months or less. 

-The business mst be up to date with UIF payments.

-Employee will be paid according to the income replacement rate sliding.

-Businesses to apply on behalf of employees.

-For application documents email  [email protected]

18.NEF Covid-19 Scheme

-Funding for working equipment, machinery to supplye and manufacture a range of medical products.

-R50 000- R10million concessionary loan for black owned businesses with existing retail supplier relationships.Up to 60 months repayment with 0% interest the first year.

-Applications open through NEF website

19.IDC Working Capital Support

-Provision of short term working capitals for The Mining and Minerals, Agriculture and Agro-processing and Automotive Sector.

More information available at

20.SME Growth and Resilience Fund

-Working capital (direct costs) , stock , bridging finance , purchase order finance and capital equipment finance for SMMEs that manufacture locally or supply products in demand due to the pandemic. 

-Loan facilities provided at -5%

– More information and applications available at

Photo of Startup Mag

Startup Mag

Related articles.

Blue Turtle Announces Strategic Investment In Rubrik Partnership

Blue Turtle Announces Strategic Investment In Rubrik Partnership

KWV Cruxland Kalahari Truffle Gin Secures Fifth Gold At 2024 World Gin Awards

KWV Cruxland Kalahari Truffle Gin Secures Fifth Gold At 2024 World Gin Awards

Absa Declares Bold New Business & Brand Promise Across All Of Its Markets

Absa Declares Bold New Business & Brand Promise Across All Of Its Markets

Profitroom And ResRequest Join Forces To Supercharge South African Safaris

Profitroom And ResRequest Join Forces To Supercharge South African Safaris

Online Business Guide ZA

8 Best Business Funding Organizations in South Africa (2023)

Business models are continuously changing; using business funding organizations to fund those changes has become a much easier and sought-after option. Many small businesses require financial injections on a regular basis to pay short-term obligations. Finding a suitable finance model for a small business is critical. If you borrow money from the wrong sources, you risk losing a portion of your business or being trapped into repayment terms that will stifle your growth for years to come.

Funding is required for a company to get off the ground. It will help your company grow and move on the correct path. Getting a new business off the ground is complex, and keeping it moving in the correct direction may prove even more difficult without sufficient funding. Previously, the sole option for a small business loan was a traditional bank. However, there are more options to examine with the rise of alternative lending.

Table of Contents

What is business funding?

Business funding is probably something you know more about than you realise. We all have or have had some form of a loan. Whether it is car finance, a home loan or a personal loan, these are all types of funding. Funding for businesses works in the same way. A bank or alternative lenders provide business funding; although private investors may offer you funding, this option may sometimes not be available.

When you decide your business needs a loan, you go to the bank and fill out an application. Banks use many facts to determine if you will be approved or not. They look at the number of years you have been trading, your credit history, business turnover and many other factors.

Alternative business funding organizations are fast becoming popular for small business funding. Most have streamlined the funding process, making it as simple as an online application and approval.

List of Small Business Funding Organizations

We all know Vodacom, the most popular mobile network in South Africa. Well, they have a financial services division that provides business funding, known as Vodalend. Eligible businesses can apply for a loan and receive funds within 24 hours.

Businesses must have been registered and operational for at least 12 consecutive months, have a good credit rating, and generate revenues of at least R500,000  per year. Vodacom also offers additional services free of charge to businesses that secure loans through VodaLend, such as Vodacom Legal Assist and vouchers for digital and mobile advertising.

  • Quick application online
  • Fast turnaround time of 24 hours
  • Additional free services if approved
  • Annual turnover requirement of R500 000

Visit Website

Founded in 2014 as South Africa’s First Online Automated Provider of Short-Term Funding for SME s, Lulalend has grown into the easiest option to get funding quickly. Lulalend identified the gap between traditional lending and small businesses and now offers a quick and straightforward solution that does not require a detailed credit history.

Lulalend is a lending platform for small businesses that leverages technology to improve small business funding. It uses data from different sources such as electronic bank accounts, online accounting companies, payment gateways, and e-commerce marketplaces. The data is then used to assess applications and give funds in a timely, convenient, and transparent manner using a scoring algorithm.

Using this technology to their advantage, Lulalend is able to give applicants a decision within minutes, and funding is available within 24hrs. This is all done online without having to visit a bank.

  • Online applications
  • Most applications are automatically processed
  • Funding available within 24hrs
  • No detailed credit history needed
  • No early settlement penalty fee charged
  • Higher interest rate

FundingHub is a free South African service that saves SMMEs time and money by connecting them with over 30 banks and alternative lenders in South Africa. All it takes is one application which takes 5 minutes. This application then generates a list of loans on offer to you.

FundingHub will assist your business if you are a registered business, have a monthly turnover of over R40 000 and prove you have earned revenue for over 6 months. All lenders on the FundingHubs platform are explicitly trusted and selected for their best interest in SMMEs.

  • Application takes 5 minutes
  • Access to over 30 lenders with one application
  • Funds available within hours for simple applications
  • Comparing offers is made is easy
  • Lenders contact you as soon as you accept the online offer
  • Various loan offerings
  • Do not offer startup business funding

Bizcash is an online lending service that caters for businesses with a turnover of R1 million and over.

They offer two types of products that help fund businesses, Bizcash Term Loans and Business Loans. Bizcash Term Loans are loans used to improve a business’s disposable working capital. These loans are paid back monthly and have either a floating or fixed interest rate. If you are in the market for a much larger amount, a Business Loan is the best option. With these loans, you can borrow anything from R50 000 to R3 000 000.

  • Application is done online
  • Payout within 24hrs of approval
  • Quick turnaround time
  • The Business Loan is a revolving credit facility, meaning that whatever you pay becomes available again
  • Turnover requirements R1 million +
  • The business has to be operating for 2 years or more

Cashflow Capital

Cashflow Capital provides a wide range of business loans and financial solutions to satisfy the demands of enterprises. This institution aims to offer practical alternative financing for small to medium businesses.

As part of their diverse offering, they offer Working Capital funding, Reboot Loans, Asset Finance and Trade Finance. Working Capital funding, also referred to as a Merchant Cash Advance, is ideal for businesses looking to take advantage of an opportunity that has suddenly come up. It is a short term solution that can be paid in 4 to 12 months with daily or weekly payments. The Reboot Loan helps businesses maximise disposable capital. This option allows a business to have capital at hand while having easy to pay instalments.

Asset Finance is a perfect solution for obtaining those urgently needed movable assets. Repayment terms of up to 36 months allow businesses to get what they need without disrupting their cash flow. Trade Finance allows businesses to replenish stock while still waiting for payments from customers. This eases the burden on cash flow, providing the business with the opportunity to use cash flow in other areas.

  • Quick approval process
  • 5 min online application
  • Varied loan offering
  • Products specifically designed for SMMEs
  • Flexible terms
  • Funds available within 24 hours
  • Business only needs to be in trading for 6 months
  • Unsecured loan
  • Does not provide funding to startups
  • Does not provide loans to non-profit organisations, construction companies or logistics

Business Fuel

Business Fuel is an organisation that belongs to the Genfin group. With simple online loan applications, they have provided SMMEs with funding since 2010. They offer small businesses funding of up to 3 million to those who qualify.

If you are looking for funding from Business Fuel, you would need to meet their requirements: a trading history of at least 1 year and a turnover of R1 000 000. Business Fuel offers an online calculator on their website. This calculator allows you to calculate how much you would pay back monthly based on the amount you require.

  • No business plan required
  • Each application has a dedicated consultant to handle any queries
  • Funds are made available in 3 days once approved
  • Fast online application
  • 1 year of trading required
  • Do not fund startups
  • Business needs to have a turnover of R1 million

Retail Capital

Retail capital was founded on the belief that the future of our country and economy lies at the hands of SMMEs. They fund small businesses to create employment opportunities which then grows our economy. An online application makes retail capital’s business funding process easy. They have a three-step, easy-to-follow process. If the online option does not suit you, you have the option of calling a consultant and applying over the phone.

Business funding from this organisation is unsecured, and they offer flexible, easy to pay terms. To be eligible for business funding, your business must have a monthly turnover of more than R50,000, a minimum of six months of business ownership, and a trade history of at least three months.

  • Only a turnover exceeding R50 000 is needed
  • Loan is unsecured
  • They offer startup business funding to businesses operating for 6 months or more
  • The online application takes 2 minutes

CorpFin offers short-term business funding products to businesses in need of a ‘cash injection’. These loans are paid back over a three to nine-month period. If your business’s financial needs are much larger, CorpFin will facilitate the procurement of a loan through a traditional bank.

Part of their product offering is Short-term business finance, Development finance, Immovable property finance, Business expansion funding, Product or stock finance, Buyout funding, Business refinancing, and Property auction finance.

  • Help with obtaining a long term loan through traditional banks if needed
  • Offer loans for partner buyouts
  • Annual turnover requirement of R1 000 000

Bridgement offers businesses a transparent opportunity to obtain financing quickly. Their application is 100% online and does not require any paperwork. They will make funds available within 24 hours of approval.

Bridgement is unquestionably one of the alternative lenders doing things that banks aren’t doing. Bridgement lending facilities allow businesses in a variety of industries to get a near-instant business loan between R20 000 and R5 million.

Bridgement can instantly and securely validate your trading history by linking to your accounting package. This method eliminates the need for any paperwork. This also means Bridgement can approve your application more quickly and efficiently.

  • Validates trading history by linking to your accounting package
  • No paperwork required
  • No penalties for early settlement
  • Online funding calculator available
  • Turnover of more than R500 000 is required

Guide on Business Loans

Why are alternative business funding organizations a good option.

Alternative business funding organizations are used by SMEs and startups to obtain capital that they aren’t able to get from traditional banks. They differ from banks in these ways:

  • Sometimes small business owners do not meet the additional standards for applying for and receiving traditional loans. Most alternative business funding organizations make applying and approval much more accessible.
  • With this funding option having a credit history is not a requirement. Other aspects of your business are considered to get you the funding you need.
  • Traditional banks take many weeks before they approve funding, while some of these funding organisations will approve you immediately or within 24 hours.

Why do small businesses struggle with obtaining loans from banks?

Small businesses and startups find it challenging to obtain capital for a variety of reasons. Banks are not opposed to lending to small businesses; on the contrary, they want to contribute to business growth of any kind. Nevertheless, traditional banking institutions use an outdated model that is a cumbersome lending process and apply rules that do not relate to startups and small businesses.

Access to capital is more difficult since many small businesses requesting loans are new and have little to no credit history. Banks typically prefer to see at least a five-year profile of a healthy business before making an offer. Banks necessarily focus on applicants with a reasonable amount of money invested in the business but can still service their debt.

Reasons businesses use business funding

A business must have funding to get the ball rolling. It will enable your business to flourish and move forward. It is not simple to get a new business going, and it can be even more challenging to keep it moving in the correct direction. These are some of the reasons businesses seek out business funding.

  • At the start of a business

SMMEs and startups in their early stages will require capital to get started. These businesses’ cash flow is vital for their survival at this stage. Although the majority of directors will use their own funds as capital in the business, relatively few will be able to completely self-fund the business. They will thus need to seek external funding options.

Loans to start a business can be used to purchase stock, obtain employees, and advertise the business. The initial capital can be challenging to obtain, and many banks will want extensive documentation and will impose stringent requirements.

  • Purchasing of assets

The growth of your business and increasing sales frequently entails the purchase of assets such as new vehicles or equipment. Even though you may have enough cash to pay your business’s working capital needs, you may need to consider a loan to fund the acquisition of new assets to allow your business to grow. An asset loan is the best option to spread the costs of purchasing a new asset.

Asset loans can be used to purchase a variety of items for your business, depending on what you require to carry out your growth ambitions. You can use the funds to purchase your business’s first vehicle or add to your current fleet. The funds can also be used to purchase office equipment to ensure that your employees have all they need to keep your business running efficiently. New machinery can be purchased with the funds to allow you to create new items or ramp up production while spreading the cost rather than paying a significant sum immediately.

  • Improving working capital

Adequate working capital is a critical element of every business’s financial health, and a lack of working capital can have major consequences for your business’s future. Frequently businesses choose to seek external finance to generate enough working capital to support their growth plans. A business loan can satisfy short-term funding needs while providing the business with the money it needs to grow. It can also keep the business going between client orders and supplier payments.

Business loans can be a good ‘buffer’ for your business if you need some additional money. You will rest assured that the loan covers your daily operating costs, so you’ll have the funds ready to meet any unforeseen needs. Working capital funding might also enable your business to capitalise on new opportunities by investing in new products or services that will allow you to grow. Businesses with a seasonal income may benefit from working capital finance to pay basic needs during slower periods.

  • Funding business growth

If you want to grow your business and take things to a whole new level, you may require a cash injection to enable you to carry out your goals. A loan to fund your growth can help you extend your product or services, improve sales, hire more employees, relocate to a new location, or expand to other regions. Irrespective of how you intend to expand your firm, growth finance tailored to your needs can assist you in capitalising on new prospects and making your dreams a reality.

If your company’s everyday operating expenditures are covered, alternative business funding may be the solution you need to expand. Many of these loans will have fixed monthly repayments for the life of the loan, allowing you to better plan your business finances as it grows.

Advantages and disadvantages of business loans

Like with anything in life, business loans come with advantages and disadvantages. It is important to weigh up these disadvantages and advantages before making a decision for your business needs. Below is a list that can help make your funding choice a little easier.

  • Most organisations have an online application process that is streamlined and can be completed in minutes.
  • When you have repaid the loan, your connection with the lender is over. This is highly critical as your company grows in value as you do not want to have too many people involved in profit share.
  • The lender has no say in how you manage your business and does not own any part of your business.
  • Approvals have a faster turnaround time. Some offer instant approvals or approvals within 24 hours.
  • Fixed monthly payments give you room to plan and utilise working capital efficiently.


  • Business loan organisations sometimes have higher rates and fees since risk assessment and approval standards are less stringent than traditional lenders.
  • Most have a shorter timeframe for repayment of loans than traditional banks

How is an unsecured loan beneficial?

Because no security or collateral is required, your assets are not used to fund your business. This also implies that the application process will be short and simple. Unsecured finance assures you that a tough month will not result in the loss of any assets, giving you the opportunity to concentrate on managing your business.

Why should I get a business loan?

Your expectations from the organisation determine this. When you obtain a business loan, the lender does not gain equity in your company, unlike selling a few shares. If you are successful, you will simply have to repay the capital plus interest rather than a portion of the revenues for the duration of the business’s existence.

Why are interest rates higher with alternative lenders?

Alternative lenders bear the vast majority of the risk by offering loans to businesses that traditional banks will not fund. They are more receptive to businesses with terrible or no credit. They often have options for individuals with poor credit, making it easier for enterprises with little to no history to receive funds. They usually charge a higher interest rate because they absorb the risk of your business having a bad month or not being able to pay back the total amount.

Maintaining the health of your business’s finances is imperative. Managing your income and expenses carefully in the early phases of your business assures that you can repay the loan. After you have fully paid off the business loan, the same cautious cash management will keep your business afloat.

With a good payment history, you may be able to secure additional business loans in the future. Lenders are not interested in throwing money at a sinking ship so ensure that loans are used cautiously to grow your business.

Next Article: Payday Loans in South Africa

3 thoughts on “8 Best Business Funding Organizations in South Africa (2023)”

business plan for funding in south africa

  • Thommie Burger
  • September 25, 2023

Business Plans South Africa and 8 Clear Facts Why it is Vital

Entrepreneurs starting a new business may wonder, “Do I need a business plan?” “Is writing a business plan the best use of my time?” The answer to these questions is almost always, Yes!

Business Plans South Africa: Locally, a business plan can help you secure funding, a growth plan, and more.

Business plans are essential for any business, especially for South African entrepreneurs. This article will highlight eight clear reasons why you need one.

How Much is a Business Plan in South Africa

Business Plans South Africa – An Integral Part of Applying for Funding

A business plan is a very important strategic tool for entrepreneurs. However, the reality is that business plans take a long time to write. Moreover, it requires that you have a tremendous amount of data at your fingertips and compile financial projections, even though many entrepreneurs don’t have an accounting background.

So beware! Any person telling you they can write a business plan for you in a few days doesn’t know the first thing about a business plan and the complexity of the task. A business plan can arguably only be compared to a mini-MBA thesis. It is that comprehensive. It requires that amount of research and investigation. It will keep you awake at night. These days I have come across a few authors that advocate that you don’t need a business plan to be successful. They cite well-known multinational companies that successfully secured funding without a business plan.

In my 17+ years of operating in the South African and African markets, I have yet to come across institutional investors that provide funding without a formal written business plan. They all require a business plan to support your funding application when you require funding (whether a startup or an existing company).

The international trend in countries like the US and the UK is that investors want a concise Investor Pitch Deck, which replaces the lengthy business plan. However, honestly, this is still a written and well-researched document. So, whether you call it a business plan, pitch deck, or presentation, it takes time and considerable insight into your business and the market in which you want to operate.

The honest fact in South Africa (and Africa) is that if you want to apply for funding or require an investment, you will need a business plan from governmental or private institutions. You can’t get around this fact! There’s no shortcut unless you have a rich family member that throws money at you or wins the lottery. Perhaps you would benefit from reading our Advisory Article entitled What the So-Called Scam Business Plan Experts Don’t Tell You (You Could Lose R10,000+)!

Business Plans South Africa - Beware of the One-Page Business Plans Trend

Business Plans South Africa – Beware of the One-Page Business Plans Trend

Believe it or not, one-page business plans are an actual “thing” presented to entrepreneurs in the market. But this won’t cut it if you need an investment from a third party. This one-page document is nothing more than a Business Model Canvas (proposed by Alexander Osterwalder). This management tool presents your entire business plan in a concise bullet-point format.

But whether you visit ABSA, Standard Bank, Business Partners, the NEF, or the IDC, none of them will accept a one-page business plan as part of your funding application. I can concede that not everyone is sold on the usefulness of a business plan. Some also argue that taking the time to create a business plan can stifle the startup process and cost precious opportunities for a small business. However, although some studies have shown that completing a business plan is not a guarantee of success, studies have also shown that the type of entrepreneur who completes a business plan is also more likely to run a successful business.

I encourage you to prepare well before your investor meeting and avoid saying certain things that will not get you anywhere – Read our guidance on Pitch Deck – 8 Dumb Things You Should Never Say!

Business Plans South Africa – Will the Business Plan You Write for Me Guarantee Funding?

Of course, writing a business plan will not guarantee that you successfully secure funding, nor will you run and grow a successful business. It’s like saying I will automatically find a job after completing my undergraduate degree in South Africa. Well, the recent unemployment statistics released paint a different picture. More than 30% of the unemployed hold at least an undergraduate degree. And yes, hundreds of thousands with a master’s degree or PhD are still unemployed. But unfortunately, a lot of external factors impact your success. And this includes your tenacity and characteristics as an entrepreneur. So purely blaming the business plan is premature.

Many business funding experts (including myself) agree that having a good business idea is insufficient. Even excellent business ideas can be useless if you cannot formulate, execute and implement a strategic business plan to make your idea work. So if you want to raise funds from institutional investors and lenders, remember that having a good business plan is extremely valuable. It would help if you aimed to have a well-documented business plan that speaks for itself. It needs to be clear and easy to read and understand.

Unless commitment is made, there are only promises and hopes; but no plans. Peter F. Drucker

Creating a business plan involves much thought. It would be best to consider what you want to do and use that as a starting point. It doesn’t need to be complicated. Your plan should identify where you are now, where you want your business to go, and how you will get there. Writing a good business plan can’t guarantee success, but it can go a long way toward reducing the odds of failure.

Need to know How to Draft a Business Plan in South Africa ? Why not contact us to see how we can help you?

Business Plans South Africa 8 Factual Reasons why you Need One

Business Plans South Africa: 8 Factual Reasons why you Need One

  • Business Plan South Africa, Fact #1 – To Raise money for your Business: Potential investors or lenders want a written business plan before they give you money. However, a mere description of your business concept is not enough. Instead, ensure you have a thorough business and financial plan demonstrating the likelihood of success and how much you will need for your business to take off.
  • Business Plan South Africa, Fact #2 – To Make Sound Decisions: As an entrepreneur, having a business plan helps you define and focus on your business ideas and strategies. As a result, you can concentrate on financial matters and management issues, human resource planning, technology, and creating value for your customer.
  • Business Plan South Africa, Fact #3 – To Help You Identify Potential Weaknesses: A business plan helps you identify potential pitfalls in your idea. You can also share the plan with others who can give you their opinions and advice. Identify experts and professionals who are in a position to give you invaluable advice and share your plan with them.
  • Business Plan South Africa, Fact #4 – To Communicate Your Ideas with Stakeholders: A business plan is a communication tool that you can use to secure investment capital from financial institutions or lenders. Business plans can also convince people to work for your enterprise, secure credit from suppliers, and attract potential customers.
  • Business Plan South Africa, Fact #5 – Business Plans are Simply a Must-Have for Some Businesses: If you plan to approach a financial institution for a loan, apply for a small business grant, pitch your business idea to investors, or enlist the support of a business partner, a business plan is required. Potential investors and supporters want to see the true potential of your business idea laid out in hard facts and numbers. A business plan is the best and, generally, the only acceptable way to provide this information.
  • Business Plan South Africa, Fact #6 – Business Plans can be a Reality Check: Writing a business plan is often the first real struggle for small business owners who don’t want to consider that their business idea may be flawed or not yet fully developed. Identifying gaps early in the process gives business owners a chance to shore up their research, test their ideas and take steps to make the business stronger and more viable. Perhaps initially, a step back, but further work can bolster the entrepreneur’s chance of success before investing time and money in a business that is likely to fail.
  • Business Plan South Africa, Fact #7 – Business Plans can give you New Ideas: Discovering new ideas, different approaches, and fresh perspectives are some of the best things that can happen from the depths of the business planning process. A business plan isn’t just a long, stiff and structured document despite the sometimes negative reputation. An effective business plan is the opposite; it’s a flexible, growing and dynamic tool that can help you think creatively and develop new solutions for some of your toughest business challenges.
  • Business Plan South Africa, Fact #8 – Business Plans Create an Action Plan: Business Plans are useful documents for any small business owner. You create a living, breathing document when you use your business plan to help you outline milestones, next steps, and future activities.

Returning to the original question of whether or not you need a business plan? Some entrepreneurs were able to build a successful business without Business Plans. Still, it is easier to do with a well-constructed business plan in your hands. Remember that if you use your plan as a proper business planning tool, you don’t have to wait until you have all the answers to get started. Instead, you can create an outline of your plan now, fill in all the information you have, and then work on the blanks as you learn more about the market. This fluid and flexible document can be invaluable to a new business.

Established in 2006, we have successfully written hundreds of bankable and world-class Business Plans  for clients across 25 countries. As South Africa’s Leading Business Plan Company , we are confident that we would be able to assist you too. Kindly note that we also offer “Investor Pitch Decks”, “Excel-based Financial Models”, and “Proposal/Tender Writing Services” in addition to our Custom Business Plan Writing Service . Please visit our Services  page for more information.

We look forward to being of service to you. Please feel free to contact our Founder, Dr Thommie Burger, on +27 79 300 8984 should you have any questions. He is also available via email and LinkedIn .

JTB – Your Business Planning Partner.

Recently published articles.

Business Ideas in South Africa JTB Consulting's 2023 Guide

45+ Business Ideas for Success in South Africa: JTB Consulting’s 2024 Guide

Why Business Planning is Important - JTB Consulting

Supercharge Your Growth: 27 Reasons Why Business Planning is Crucial!

18 Essential Questions to Ask Before Hiring a Business Plan Writer (2024 Edition)

18 Essential Questions to Ask Before Hiring a Business Plan Writer (2024 Edition)

How much does an Amazing Business Plan Cost in South Africa in 2024?

How much does a Business Plan Cost in South Africa? (2024 Edition)

Starting Your Own Business - 3 Ugly Emotional Costs to Remember

Starting a New Business ― 3 Ugly Emotional Costs

Our Comprehensive 2023 Guide to Market Analysis for Business Plans

Our Comprehensive 2023 Guide to Market Analysis for Business Plans

  • 2024. JTB Consulting. All Rights Reserved
  • Website by Pixelworks
  • Request a Quote
  • Case Studies
  • Testimonials
  • Privacy Policy

[email protected]

  • Subscribe to our Newsletter

Subscribe to our Newsletter.

Stay informed and opt-in for our newsletter via email. We respect your privacy and we never spam.

Business Plan Pro®

Business Plan Pro Logo

021 834 9799

business plan pro logo

We write Professional Business Plans for Funding Applications, Investments & Industry Regulators.

Business Plan Pro® Services

Branding and Marketing Services

Entry Level Business Plan

Business Plan Services

Comprehensive Business Plan

Business Plan Template

Specialised Business Plan

business plan for funding in south africa

Feasibility Studies & Funding

Business plan pro® team, our goal is to make it easy in south africa to start or grow a business through affordable business plans and funding.

We’re on a Mission to Create Funding Ready Businesses.

Our Mission

Our Mission is to Activate Dreams in Business Owners and help them to create a Platform to Grow from Good to Great!

Our Vision is to Educate, Mentor and Lead Business Owners to Build and Grow their Organisations!

Our Mandate

Our Mandate is to Transform the Economy of  South Africa.

Our Vision is to assist South African Businesses through Business Strategising, Planning and Coaching to setup a viable Business Model, a Professional Brand, a Website, Marketing Channels and Sales / Operational Systems.

Business Plan Pro® Track Record

Since launching in 2016 business plan pro® has had a lasting impact on 2,500+ businesses, businesses consulted.

We’ve Strategically Consulted 50+ Entrepreneurs, Businesses and Start-Up’s on their Branding, Website Design, Marketing Strategy, Sales Techniques and Operations!

Business Plans Written

We’re Business Plan experts! Our Business Plans are in a professional layout, funding ready and comply with government funding institutes, private financial institutes, and industry regulators.

Founding Year

Brend Badenhorst launched My SME™ in 2016 and the Business has since grown into one of the leading SME Developers in South Africa!

Business Plan Pro® is a trusted advisor and accredited service provider.

business plan for funding in south africa

Business Plan Pro® is focused on Business Plan and Feasibility Study services to assist Businesses to grow through funding! Business Plan Pro® is the first South African Business to create custom Business Plan Writing Software for South Africans.

Latest News

business plan for funding in south africa

Why do some Small Businesses achieve success, and most Small Businesses fail?

I suggest the biggest reason for business success and failure is due to or a lack of a proper foundation....

Business Plan Services

How to Compile a Business Plan

A business plan should include all the information that a financier or investor would expect to see before providing finance...

Focus areas for small businesses to achieve success post-lockdown

As South Africa gradually opens the economy, it may be a little too late for many business owners. According to...

business plan for funding in south africa

Learn more about our Business Plan Services!

business plan for funding in south africa

10 Small Business Funding Sources in 2023

small business funding

If you’re starting a new business, then securing funding is one of the first things you’ll probably need to do. Luckily, various funding solutions are available.

Before you go ahead and put your new business on your credit card, make sure you know what funding sources are out there. This will help you find the right funding with the most favourable terms.

To help you get started, here are ten of the best funding sources for entrepreneurs to consider.

Traditional Bank Loans

Possibly the most obvious way to generate funding for your small business is through a traditional bank loan.

All major banks offer business loans to entrepreneurs with solid business plans and creditworthiness. Of course, you’ll need to prove that your business is a non-risky, viable solution for banks to invest in. You’ll also have to be prepared to pay high-interest rates on your business loan.

If you do not have a good credit score, or cannot properly show the value of your business plan to the bank, then you might not be able to access this funding.

Development Finance Institutions (DFIs)

There are various organizations that exist to support small businesses and entrepreneurs in South Africa. Many of these are government-backed.

Organizations like the Industrial Development Corporation (IDC) and the Small Enterprise Finance Agency (SEFA) provide financing and support to small businesses, particularly those in priority sectors. If this is appealing, look for a DFI that matches your scenario and caters to entrepreneurs in your situation. This could be a great way to access capital as well as business development support.

Government Grants

The South African government offers various grants and incentives to support small businesses, especially in sectors like agriculture, technology, and manufacturing.

If your business matches the requirements for these grants, then this could be a viable solution for small business funding.

Angel Investors

Seek out angel investors or angel investor networks in South Africa that are willing to invest in promising startups and small businesses.

This can be an excellent way to gain large sums of capital. You can also gather valuable business support and networks when you connect with the right investor. However, pitching to angel investors can be tricky, and they may require large shares in your business.

Venture Capital

While venture capital is not as prevalent as in some other regions, there are venture capital firms in South Africa that focus on tech startups and high-growth companies. Most venture capital firms are focused on very specific sectors, so make sure you fall under their interests before approaching them with a pitch.

Private Equity

Some private equity firms in South Africa may be interested in investing in more established small businesses in exchange for equity. While giving up business equity isn’t always ideal, it could be a great alternative to taking out a bank loan.


It’s also possible for entrepreneurs to use local crowdfunding platforms to raise funds from a broad range of investors and backers. Just make sure you provide enough incentive for people to fund you.

Supplier Credit

Not always the most ideal way to start a business, but you could try to negotiate favourable payment terms with suppliers to improve your cash flow. This helps you obtain short-term financing through delayed payments. The downside is that you don’t get startup capital upfront – so this won’t work if you need to make large investments to start your business.

Business Incubators and Accelerators

Joining a business incubator or accelerator program can provide access to funding, mentorship , and resources for early-stage startups. Consider what incubators exist in your area and for your specific industry.

Microfinance Institutions

If you can’t get a traditional bank loan, then microfinance organizations do offer small loans to micro and small businesses in South Africa, particularly those in underserved communities.

Just be cautious of high-interest rates and hidden terms in the loan agreement. This can be a convenient, but expensive, way for entrepreneurs to gain financing if they don’t require too much capital.

Always compare your options when looking for small business funding. Although you may want to get this secured quickly, choosing the right funding provider is essential, as this plays a major role in the long-term success of your business. The funding options above are suitable for all kinds of businesses and entrepreneurs. Research each one carefully to make sure you start your business w

We are committed to your privacy and will not share information with 3rd parties. Read our full Privacy Policy  here

Related Articles


Business Funding in SA. SMEs Doing It Wrong – Here is Why

South Africa’s funding landscape poses challenges for SMEs. At Company Partners, we understand these difficulties. Since 2006, we’ve helped over 50,000 entrepreneurs contribute to the GDP. Now, we’re proud to

profile picture

Staff Writer


Cybersecurity Tips to Protect Your Small Business in the Holiday Season

The holiday season can be a busy time for small businesses. With the increase in business activity and transactions also comes an increase in potential cybersecurity threats. This is why

profile picture

Marc Bromhall


End-of-Year Inventory Management Strategies to Boost Profits

End-of-year inventory management is crucial for businesses looking to optimize profits and prepare for the upcoming year. The end of the year can be a tricky time, because you’re preparing

SME South Africa is a one-stop-shop for business owners to access advice, business tools and resources they need.

  • Building 2, 1st Floor Clearwater Office Park, Millennium Blvd, Strubens Valley, Roodepoort, 1735
  • [email protected]

Connect With Us

Useful links.

  • SME Articles
  • Find a mentor
  • Business Forum
  • B2B Marketplace

Quick Links

  • Terms of use
  • Privacy Policy
  • Advertise with Us
  • Sign up to our newsletter

Copyright ©2023 | SME South Africa | Designed and Developed by Adclickafrica

For more audio journalism and storytelling, download New York Times Audio , a new iOS app available for news subscribers.

The Daily logo

  • February 23, 2024   •   25:48 Trump’s Cash Crunch
  • February 22, 2024   •   32:02 Putin’s Opposition Ponders a Future Without Aleksei Navalny
  • February 21, 2024   •   23:33 What Happens if America Turns Its Back on Its Allies in Europe
  • February 20, 2024   •   40:44 Stranded in Rafah as an Israeli Invasion Looms
  • February 19, 2024   •   35:50 The Booming Business of Cutting Babies’ Tongues
  • February 16, 2024   •   39:24 An Explosive Hearing in Trump’s Georgia Election Case
  • February 15, 2024   •   29:38 How China Broke One Man’s Dreams
  • February 14, 2024   •   33:06 The Biden Problem Democrats Can No Longer Ignore
  • February 13, 2024   •   27:23 Why the Race to Replace George Santos Is So Close
  • February 12, 2024   •   21:57 Why Boeing’s Top Airplanes Keep Failing
  • February 11, 2024   •   42:04 The Sunday Read: ‘The Unthinkable Mental Health Crisis That Shook a New England College’
  • February 9, 2024   •   34:05 Kick Trump Off the Ballot? Even Liberal Justices Are Skeptical.

Trump’s Cash Crunch

The ruling in former president donald j. trump’s civil fraud case could cost him all his available cash..

  • Share full article

Hosted by Michael Barbaro

Featuring Jonah E. Bromwich and Maggie Haberman

Produced by Will Reid and Mary Wilson

Edited by Brendan Klinkenberg

With Rachel Quester

Original music by Elisheba Ittoop and Dan Powell

Engineered by Alyssa Moxley

Listen and follow The Daily Apple Podcasts | Spotify | Amazon Music

Last week, when a civil court judge in New York ruled against Donald J. Trump, he imposed a set of penalties so severe that they could temporarily sever the former president from his real-estate empire and wipe out all of his cash.

Jonah Bromwich, who covers criminal justice in New York, and Maggie Haberman, a senior political correspondent for The Times, explain what that will mean for Mr. Trump as a businessman and as a candidate.

On today’s episode

business plan for funding in south africa

Jonah E. Bromwich , a criminal justice correspondent for The New York Times.

business plan for funding in south africa

Maggie Haberman , a senior political correspondent for The New York Times.

Donald Trump is pictured walking through a courthouse, surrounded by uniformed staff.

Background reading

Mr. Trump was met with a $450 million blow to his finances and his identity.

Here’s a guide to the New York law that made the fierce punishment possible.

There are a lot of ways to listen to The Daily. Here’s how.

We aim to make transcripts available the next workday after an episode’s publication. You can find them at the top of the page.

Special thanks to Ben Protess .

The Daily is made by Rachel Quester, Lynsea Garrison, Clare Toeniskoetter, Paige Cowett, Michael Simon Johnson, Brad Fisher, Chris Wood, Jessica Cheung, Stella Tan, Alexandra Leigh Young, Lisa Chow, Eric Krupke, Marc Georges, Luke Vander Ploeg, M.J. Davis Lin, Dan Powell, Sydney Harper, Mike Benoist, Liz O. Baylen, Asthaa Chaturvedi, Rachelle Bonja, Diana Nguyen, Marion Lozano, Corey Schreppel, Rob Szypko, Elisheba Ittoop, Mooj Zadie, Patricia Willens, Rowan Niemisto, Jody Becker, Rikki Novetsky, John Ketchum, Nina Feldman, Will Reid, Carlos Prieto, Ben Calhoun, Susan Lee, Lexie Diao, Mary Wilson, Alex Stern, Dan Farrell, Sophia Lanman, Shannon Lin, Diane Wong, Devon Taylor, Alyssa Moxley, Summer Thomad, Olivia Natt, Daniel Ramirez and Brendan Klinkenberg.

Our theme music is by Jim Brunberg and Ben Landsverk of Wonderly. Special thanks to Sam Dolnick, Paula Szuchman, Lisa Tobin, Larissa Anderson, Julia Simon, Sofia Milan, Mahima Chablani, Elizabeth Davis-Moorer, Jeffrey Miranda, Renan Borelli, Maddy Masiello, Isabella Anderson and Nina Lassam.

Jonah E. Bromwich covers criminal justice in New York, with a focus on the Manhattan district attorney's office, state criminal courts in Manhattan and New York City's jails. More about Jonah E. Bromwich

Maggie Haberman is a senior political correspondent reporting on the 2024 presidential campaign, down ballot races across the country and the investigations into former President Donald J. Trump. More about Maggie Haberman



City of Tshwane’s financial woes could soon be even more catastrophic

business plan for funding in south africa

  • A sign board of the City of Tshwane.
  • Image Credits :
  • Creative Commons
  • Patricia Visagie
  • 14 February 2024, 19:06 [SAST]

The City of Tshwane’s financial woes could soon be even more catastrophic despite the rescue plan tabled earlier this week. National Treasury might revoke some of Tshwane’s Capital funding if the municipality doesn’t motivate why it’s been underspending on its development grants. If the funds are revoked, this could further cripple service delivery.

Briefing the media in Pretoria, the ANC in the Capital City says it wants heads to roll for the underspending of grants while service delivery is severely impacted. Tshwane has only spent 40% of its over R2,6 billion of grant funding meant for pressing service delivery needs.

Tshwane’s City Manager, Johann Mettler has until Friday to convince Treasury not to revoke the much-needed funding for the municipality. They might forfeit millions due to underperformance and noncompliance.

The ANC in Tshwane held a media briefing, accusing the DA-led Coalition of collapsing the city by its failure to spend the grants, on much-needed services like fixing the water infrastructure in areas like Ikageng where residents have not had water for over five years.

The party says the recent municipal workers’ strike cannot be used as an excuse for the DA-led Coalition not to roll out the service delivery projects.

On the other hand, the DA is adamant that they will put up good motivation to save the needed funds.

“Money will be spent before 30 June this year,” says Kwena Moloto, DA Tshwane caucus spokesperson.

The grants are meant to help with infrastructure projects, to resolve the water crises, fix potholes, and to clean communities, especially townships.

“We will come up with strategies to push for accountability,” says George Matjila, ANC Regional Secretary.

Despite funds being available, dozens of projects have been delayed or completely halted in particularly the townships. The Tshwane deputy mayor has recently started to revive the neglected projects, but the ANC says this is all about electioneering.

The ANC in Tshwane is also accusing the DA-led coalition of deliberately delaying the much-needed capital project, that would’ve mostly benefitted townships, where the ANC hold on the majority of wards. The party says it was a carefully calculated move to only start the projects before the elections.

Patricia Visagie

View all posts


business plan for funding in south africa

Tshwane makes submission to Treasury regarding grant funding

business plan for funding in south africa

City of Tshwane dismisses two metro police officials

business plan for funding in south africa

City of Tshwane on expenditure cut drive

business plan for funding in south africa

City of Tshwane to tackle hijacked buildings after Joburg tragedy

Privacy overview.



    business plan for funding in south africa

  2. How to get small business funding in South Africa

    business plan for funding in south africa

  3. How to Find Funding for your Business in South Africa

    business plan for funding in south africa

  4. How to write a business plan to start your own business

    business plan for funding in south africa

  5. Business Plan Templates

    business plan for funding in south africa


    business plan for funding in south africa


  1. Conquer the world of finance

  2. Don’t be Stuck there are solutions


  4. Available funding opportunities for youth-owned businesses from various organisations

  5. In #Africa, small businesses and #artisans are making some of the world’s most #expensive products

  6. WATCH: Cyberattacks Surge In 2023


  1. Pre-written Business Plans for South Africa (Pdf, Word and Excel

    Payment Method 1 (Visa card, Mastercard, Credit card, Debit Card) - R500 To purchase the business plans using Visa Card/Master Card click here: Business Plans Store . After you have purchased, you will instantly see the download link for the business plan package on the screen. We will also email you the download link.

  2. A Free Business Plan Example to Launch Your South ...

    Financial projections Importantly, your Executive Summary must clearly depict the Problem, the Solution, and carry a sense of timeliness - why now should your business be considered as the...

  3. How to Create a Business Proposal for Funding

    SME Articles How to Create a Business Proposal for Funding Creating a business proposal for funding is something that all kinds of organisations need to do at some stage. Funding is necessary for small business development and putting certain projects into action. Without funding, organisations can't achieve their goals and mission.

  4. How to Get Your Business Ready for Funding in South Africa 2024

    Get in touch with Company Partners today and begin your journey to getting funding ready. We're ready to help your business open the door to new opportunities and big success. Securing funding for your small business in South Africa is a daunting task. This guide provides everything you need to know to get funding ready.

  5. Starting your own business

    Funding. Funding for various types of businesses is available through the Industrial Development Corporation or the Department of Trade and Industry's Government Investment Incentives. Registering a business. The South Africa Government Services website has information on registering a business in all official languages.

  6. Small Business Development

    Your business plan should cover four main areas: (your "niche", or "core business"): What exactly is it that your business will do? What makes it special? What won't your business do? plan: How are you going to promote your product? How are you going to price your product? How do you plan on getting your product to your market?

  7. Business Plan in 1-Week

    Business Plan in 1-Week. Contact Us 0800 007 269 (Toll Free) Get your Business Plan set up by a Business Plan Specialist in South Africa. Tender & Funding Application Ready. All Industries. Starting @ R3490 once-off.

  8. Small Business Funding in South Africa

    Small Business Funding in South Africa - The Complete Guide 7 Min Read • October 16, 2023 • Simon P. Despite a challenging and competitive environment, small businesses in South Africa have a variety of options when it comes to funding opportunities, each with their own pros and cons.

  9. Professional Business Plans in South Africa

    BUSINESS PLANS Advantages of Working with us We offer guidance to help you develop your ideas into profitable and fundable business ventures. With years of experience working closely with major Funding Organizations in South Africa, we understand the criteria and formats they require and advise you accordingly.

  10. Absa

    Absa Online Next Do it all with a comprehensive business plan A business plan is a roadmap of your business. It details how your business wants to achieve its goals and should include its operational, financial and marketing strategies. Enterprise and Supplier Development Access business support services through our Enterprise Development Centres.

  11. Business Plans For Funding And 14 Great Tips From JTB Consulting

    Established in 2006, we have successfully written hundreds of bankable and world-class Business Plans for clients across 25 countries.As South Africa's Leading Business Plan Company, we are confident that we would be able to assist you too.Kindly note that we also offer "Investor Pitch Decks", "Excel-based Financial Models", and "Proposal/Tender Writing Services" in addition to ...

  12. PDF Partnering you. Growing the economy. Developing Africa. Business Plan

    A business plan is a working document that reflects the business strategy of a company, its operating structure, and most ... without restrictions in terms of the South African Council of the Valuers Profession (SACPVP) guidelines ... guidelines does not guarantee that the IDC will approve a funding application. The Business Plan Guidelines ...

  13. Funding Connection: Unlock Your Business Potential

    Funding Connection, established in 2017, is the leading business plan consultancy in South Africa. With a success rate of over 80%, we have helped more than 30,000 clients secure funding, raising over R 70 billion.

  14. Small Business Funding

    Learn more The simplest way to finance your business, quickly. Obtaining business funding shouldn't be time-consuming and complicated, so Bridgement created a simple way for you to access up to R5 000 000 instantly. Lightning Fast Apply in 2 minutes, funds in your account within hours. No paperwork or documents required.

  15. Business Funding in South Africa

    It's easy! We buy your stock, and sell it to you. Easy and flexible repayments to fit in with your business! What you can expect when applying for business funding through GroWise:

  16. Affordable Business Plans in South Africa

    Need a business plan for your business in South Africa? Awesome, you're in the right place. We write business plans for businesses like yours ... It contains everything needed to present to prospective investors and can be used for funding (business loan) applications of even above R50 million: Also ideal for tenders, grants, lease space, etc ...

  17. 20 South African Institutions Currently Offering Business Funding In

    Prior to completing the Application Form, familiarise yourself with the criteria for funding. Download business plan guidelines here. Download the application form here. Download the provincial contact list here. 15.Development Bank of South Africa (DBSA) - Infrastructure Investment Programme for South Africa (IIPSA)

  18. 10 Brilliant Business Loans In South Africa: The Ultimate Guide

    June 6, 2023 Discover the diverse landscape of Business Loans in South Africa and find the perfect funding solution for your venture. Whether you're a startup, expanding your operations, or seeking working capital, this ultimate guide provides valuable insights and resources to navigate the world of business financing.

  19. 8 Best Business Funding Organizations in South Africa (2023)

    8 Best Business Funding Organizations in South Africa (2023) Business models are continuously changing; using business funding organizations to fund those changes has become a much easier and sought-after option. Many small businesses require financial injections on a regular basis to pay short-term obligations.

  20. Business Plans South Africa And 8 Clear Facts Why It Is Important

    Business Plans South Africa - An Integral Part of Applying for Funding. A business plan is a very important strategic tool for entrepreneurs. However, the reality is that business plans take a long time to write. Moreover, it requires that you have a tremendous amount of data at your fingertips and compile financial projections, even though ...

  21. Business Plan Pro®

    Business Plan Pro® is focused on Business Plan and Feasibility Study services to assist Businesses to grow through funding! Business Plan Pro® is the first South African Business to create custom Business Plan Writing Software for ... As South Africa gradually opens the economy, it may be a little too late for many business owners. According ...

  22. Business plan template

    This downloadable template will provide step-by-step advice on how to write your business plan like a pro. What you get. An editable Business Plan, with easy-to-follow instructions covering all the major sections of your business plan: Executive Summary. Company Introduction. The Opportunity.

  23. 10 Small Business Funding Sources in 2023

    Business Funding in SA. SMEs Doing It Wrong - Here is Why . South Africa's funding landscape poses challenges for SMEs. At Company Partners, we understand these difficulties. Since 2006, we've helped over 50,000 entrepreneurs contribute to the GDP. Now, we're proud to

  24. 2024 Budget in a nutshell

    Winners. Bond investors. Although South Africa is facing a challenging fiscal situation, the Finance Minister has attempted to stabilise the country's debt at lower levels than previously estimated.

  25. Trump's Cash Crunch

    Last week, when a civil court judge in New York ruled against Donald J. Trump, he imposed a set of penalties so severe that they could temporarily sever the former president from his real-estate ...

  26. City of Tshwane's financial woes could soon be even more catastrophic

    Reading Time: 2 minutes The City of Tshwane's financial woes could soon be even more catastrophic despite the rescue plan tabled earlier this week. National Treasury might revoke some of Tshwane's Capital funding if the municipality doesn't motivate why it's been underspending on its development grants.