Crowdfunding can be far more than a way to raise money for your small business. When done properly, it helps you validate your idea, attract early customers, and prove demand before you commit serious capital. I’ve worked with South African entrepreneurs who used crowdfunding not just to fund their ideas, but to test products, build … Read more
Managing multiple loans in South Africa can steadily undermine your budget, especially when credit cards, store accounts, and personal loans all come with different interest rates and payment dates. A consolidation loan offers relief by rolling those debts into one monthly repayment, often at a lower interest rate. But here’s the catch: while consolidation can … Read more
Understanding small business tax in South Africa is essential for keeping costs down and staying compliant with SARS. Many entrepreneurs miss out on valuable tax incentives simply because they don’t know which system applies to them or how the qualification rules work. Choosing the right tax structure, whether Turnover Tax or Small Business Corporation (SBC) … Read more
Securing a personal loan with bad credit in South Africa can feel improbable, especially after being declined by a bank or seeing your credit score fall below the lender’s expectations. The good news is that a low credit score does not automatically mean your application will be rejected. Over the years, I’ve helped clients who … Read more
Being self-employed in South Africa often means balancing independence with the challenge of unpredictable income. For many, personal loans help smooth out cash flow, cover surprise expenses, or even fuel business growth. If you’re working for yourself or freelancing, you’ll probably have a different experience when applying for a personal loan than those with full-time … Read more
Personal loans are one of the most widely used financing options in South Africa, helping people cover everything from emergency expenses to planned projects like home upgrades, school fees, or debt consolidation. Whether you need fast access to cash or a structured way to manage high costs, understanding how these loans work can save you … Read more
Applying for a personal loan in South Africa can be stressful, especially if it’s your first time. I recall the first time I applied for a personal loan, it seemed like a maze of forms and paperwork! Knowing what to put together beforehand can make everything run much smoothly. This practical guide explains the documents … Read more
Access to business loans in South Africa remains one of the biggest hurdles facing SMMEs. Despite their critical role in job creation and economic growth, many business owners still struggle to secure funding that satisfies their needs. Based on insights from the 2025 South African MSME Access to Finance Report by Finfind and African Bank, … Read more
In the bustling ecosystem of South African startups, government funding plays a pivotal role in helping small businesses get off the ground. This funding is designed to empower aspiring entrepreneurs, offering them a financial boost that can make the difference between an idea staying on paper and becoming a reality. It’s crucial to understand the … Read more
A business loan can be a practical way for South African entrepreneurs to manage growth, steer through day-to-day expenses, or stabilize their operations. Whether I’m looking to expand a shop, buy equipment, or manage cash flow, access to outside funding often shapes whether those plans can move forward. Taking out a loan is a major … Read more