Our Processes

Our Approach

Sustainability Model


The enterprises applying for a guarantee must fulfil the following requirements:

  • The entrepreneur(s) must be South African citizens,
  • The ownership must be at least 51% black,
  • Enterprise proposal must prove to be viable and create sustainable jobs,
  • The total guarantee requirement by the enterprise should not exceed 75% of the credit facility required and, not exceed R10m,
  • Preference is given to rural, or women, or youth owned enterprises,
  • Loans guaranteed to legal entities (e.g. CIPC registered companies, registered cooperatives as opposed to individuals),
  • Business must have been in operation for a minimum of 3 years or be attached to a mentor/incubator for the term of the facility guaranteed.

Key Offerings

  • We provide credit guarantees as collateral to Lending institutions providing credit to SME’s that have sound businesses in need of funding.
  • Non-financial support to clients.
  • Technical support linkages
  • Market linkages