Ryan Meyer, our founder, calls you directly once your enquiry comes in. If he can't reach you by phone, he follows up by WhatsApp or email.
Nothing is signed on that first call, and it costs you nothing.
Last updated: 4 November 2026
1. Ryan calls you
The call is about your business and what the money is for.
Ryan will usually ask about:
- your company: when it was registered and how long it has traded
- your turnover and how money comes in (card machine, EFT, invoices on terms)
- what the funding is for and how much you need
- any business funding you're already repaying
- anything that might worry a funder, so it can be dealt with early
This feeds our Capital Readiness Check. It's free with every application, and it helps work out which type of funding fits, or whether funding is the right step at all. It is not a credit approval, and it isn't a promise that a funder will say yes.
2. You send documents
If you want to go ahead, the funder will need to see some paperwork. What it asks for depends on the funder and the type of funding, including how many months of bank statements it wants. Most ask for some of these:
- recent business bank statements
- company registration documents from CIPC
- ID for the directors or members
Depending on the funding, a funder may also ask for things like management accounts, annual financial statements, a SARS tax compliance status PIN, a list of your debtors (for invoice discounting), the purchase order or tender award (for purchase order or tender funding), or a supplier's quote (for asset finance).
Ryan tells you what's needed for your deal, so you only gather what's useful.
3. Ryan takes it to a funder
Your application isn't sent to every funder. We approach the funders relevant to what you need, and we tell you which funder we're approaching before we send your details.
The funder then does its own checks. That may include a credit check on the business and, in some cases, on the directors. The funder will tell you about any checks it runs.
Some funders ask a director to sign a personal surety. If a funder wants one, ask to see the surety before you sign, read it closely, and ask us about anything you're unsure of.
4. The funder makes you an offer
The funder decides whether to fund, how much, and at what cost. We don't.
Before you sign, make sure you have the full cost in rand in writing: the amount you get, the fees, and the total you'll pay back. If the offer doesn't show it, ask the funder for it. Ask Ryan about anything you don't understand.
Where the National Credit Act (NCA) applies, the funder must give you a pre-agreement statement and quotation before you sign (section 92 of the NCA). The NCA covers only some business deals. For a business, the NCA usually covers a company or close corporation (CC) only if both its annual turnover and its asset value (counting related companies) are under R1 million. Even then, it doesn't cover a loan or other credit transaction of R250,000 or more.
Where the NCA applies, section 163(3) also says that a person who isn't an employee or agent of the credit provider, and who "solicits, completes or concludes a credit agreement", "must disclose to the consumer the amount of any fee or commission that will be paid if the agreement is concluded". If you ask, we will tell you whether we are paid on your deal. See How we are paid.
5. You decide
You are free to say no to an offer before you sign. You don't pay us a broker fee, whether you say yes or no.
If you say yes, you sign the funder's agreement and the funder pays out. You repay the funder, not us.
What you should never pay
We don't charge you a broker fee. If anyone using our name asks you for a fee before your funding is paid out, don't pay it, and check with us on +27 61 109 8482 or [email protected]. See stay safe from scams.
How long it takes
It depends on the type of funding, the funder and how quickly the paperwork comes together. Ask Ryan for an estimate for your deal on the first call.
Ready to start?
Check your funding fit. It takes about 2 to 3 minutes and needs no documents to start.
Sources
- sasfa.net: SASFA code, providers "may require the SME to sign a personal surety
- justice.gov.za: NCA s92 "pre-agreement statement and quotation
- gov.za: Notice 713 of 2006, s7 R1,000,000 threshold