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The availability of finance assists in the formation of new businesses, and allows businesses to take advantage of opportunities to grow, employ local workers and in turn support other businesses and the economy as a whole. The strategic use of financial instruments, such as equity and debt financing, is key to the success of every business.

However, before you approach a lender for a loan, it is important that you understand the different types of funding available, how these operate and the factors that will be used to evaluate your application.

Factors to consider:
  • the various sources of short, medium and long term finance
  • how to determine the financial requirements of a business
  • the different sources available for sourcing venture capital
  • understand what lenders and investors look for in small businesses
  • the role of the time value of money, including compound interest.
If you believe your business is ready to take on equity or debt financing, BlackPages would like to offer you access to a range of finance service providers who can potentially assist you with your business financing needs.

The finance service providers currently available on the Fund portal include:

Spartan SME Finance
Spartan SME Finance is a 36 year old Non-Bank Finance Company [NBFC] - 100% SME focused with entrepreneur-centric financing. We are an Authorised Financial Services Provider 47631 and Registered Credit Provider NCRCP8669.

We're fast, we’re flexible - we ensure we understand your business.
  • Working Capital Finance [bridging finance]
  • Specialised Asset Finance [equipment/machinery/technology/software/office fit-out/energy]
  • Growth Finance [structured finance for expansion]

Black Umbrellas has partnered with e-factor to solve your cash flow problems!

e-factor provides an internet website where small to medium companies can "sell" their invoices at an agreed discount rate to a bank. The bank pays you immediately and waits to collect payment on the invoice from your customer.

  • Flexible You decide how much money you need. You decide how often you need the money
  • Quick and Easy No loan application. No legal fees
  • Good Value No fixed monthly fees, only "pay as you go". No interest rates
  • Growth Increased cash flow to grow your business

LanteOTC in an online Equity investment platform. LanteOTC assists Small Medium Enterprise (SME) with funding through online market investments by individuals and institutions in exchange for equity (shares). LanteOTC enables SME owners to sell shares in exchange for the much needed cash. Requirements:
  • SME be registered as Pty Ltd
  • Operation for a minimum of 12 months
  • Looking to raise a minimum of R1M
  • Clear description of how funds will be used

CapX Finance
CapX Finance provides invoice discounting services to SMEs across South Africa to assist them with generating cash flow in their business. CapX buys the clients invoice so that the client doesn’t have to wait 30 or 60 days before they receive payment from their debtors.

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To apply for invoice discounting services, your business:
  • has already delivered goods/services to another company;
  • that company is satisfied with your goods/services;
  • that company is in the private sector;
  • requires invoice discounting between R30,000 and R1 million.

Edge Growth
Edge Growth manages over R200 million across multiple enterprise development funds; investing in high potential businesses that are most likely to, with financial and non-financial assistance, achieve significant growth.

If you are a BlackPages Premium member and your business
  • requires funding of between R50,000 and R20 million,
  • is already generating revenue, and
  • requires debt and/or equity funding


Anglo American Sebenza Fund
The Anglo American Sebenza Fund will provide loans to existing businesses and start-up entrepreneurs at a preferential annual interest rate of 6%, with Anglo Zimele undertaking guarantees and ownership of assets until the loan is repaid. In line with the Anglo Zimele model, on-going mentorship and training will be available to all beneficiary companies.

If you are a BlackPages Premium member and your business:

  • has a sound and realistic business plan (with supporting documentation and contracts),
  • is able to generate a positive cash flow to service and sustain its debt,
  • owners are fully focussed on the business and involved on a permanent basis in the day-to-day management and operations, and
  • is able to create new jobs and sustain these jobs

Thembani International Guarantee Fund
Thembani International Guarantee Fund NPC, commonly known as “TIGF” or “Thembani” is a non-profit organisation based in South Africa that was set up to facilitate credit for small and medium enterprises. Established in 1996, Thembani provides guarantees designed to assist clients/organisations that are unable to provide requisite collateral/security to commercial financiers or banks. The guarantee can cover loans or facilities for:
  • working capital
  • expansion of existing operations,
  • finance for equipment and,
  • facilities used for the production or provision of products and services.



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