Thembani International Guarantee Fund NPC/TIGF was incorporated in 1996 to help disenfranchised communities access credit by providing credit guarantees where such clients are unable to provide the financial institution with requisite collateral.


To create success and sustainability in business enterprises

and communities in Southern Africa through access to financial

products and services.


To facilitate access to the flow of financial resources.


To facilitate access to finance for entrepreneurs.


To build business/entrepreneur assets.


To capacitate and support emerging entrepreneurs/SMME's.


To provide financial services.


To facilitate access to affordable credit for economically productive activities within previously disadvantaged and economically challenged communities in Southern Africa

To promote financial inclusion in previously disadvantaged and economically challenged communities in Southern Africa

To strengthen community based intermediaries such as micro-finance institutions and cooperatives by linking them to formal financial institutions thus helping them to leverage credit for their clients

To facilitate capacity building and technical assistance for partner organisation’s sustainability and growth


    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.


      STEP 1

      Proposal received and initial assessment conducted & Heads Up report prepared.

      STEP 2

      Heads Up presented to the credit committee. If declined, bank is notified.

      STEP 3

      Full due diligence conducted Credit committee review Formal notification to lender on credit committee decision.

      STEP 4

      For approved projects, tripartite agreement is signed and then an Irrevocable Standby Letter of Credit is issued. Monitoring and Support begins within one month of placement.



      Ground Floor, Capital Junction,

      1226 Francis Baard Street,

      Hatfield, Pretoria


      012 342 1913



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