Finance & Funding

It is the ultimate paradox of running a PTY LTD in South Africa: You can literally grow yourself out of business. You spend months pitching a massive corporate client or navigating the endless red tape of a government tender. Finally, you win the contract. Your team works overtime, you deliver an exceptional product or service, […]

Let’s be honest about the reality of running a PTY LTD in South Africa today: Momentum is absolutely everything. Every founder knows the feeling. It is what we call the “Purchase Order Paradox.” You finally land that massive corporate contract you’ve been chasing for six months. Or perhaps you’ve been given the opportunity to buy

There is a frustrating paradox in the commercial landscape: a small or medium enterprise (SME) can boast year-on-year growth, strong margins, and a visionary founder, yet still receive a swift, definitive “No” from commercial lenders and equity investors. The immediate reaction from business owners is often to blame the financial institutions for being overly conservative

In the early stages of entrepreneurship, the primary objective is survival, and survival dictates a singular focus: get cash into the bank. This relentless pursuit often creates a deep-seated psychological conditioning within founders. Cash becomes synonymous with safety. However, as a business matures and transitions from a fragile startup into a stabilised enterprise, this instinct

When business owners discuss liquidity, they usually look at their bank balance or their overdraft limit. This is a static view of a dynamic problem. True financial architects do not view liquidity as a pool of water; they view it as a pipeline. The metric that matters is not just how much cash you have,

In the world of business brokerage and mergers and acquisitions (M&A), the most commonly cited metric is EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortisation). It is often used as a shorthand for a company’s financial health and the primary basis for “multiples” (e.g., a business being valued at 5x EBITDA). However, there is a

In the traditional narrative of entrepreneurship, growth is the ultimate goal. We celebrate the doubling of turnover and the landing of massive, market-shifting contracts. However, from a structural financial perspective, rapid scaling is often the most dangerous phase of a business’s lifecycle. This is because of a mechanical phenomenon known as the Cash Gap (or

There is a dangerous seduction in a healthy Income Statement. A business owner sees a “Net Profit” line that looks robust and assumes the business is thriving. Yet, it is entirely possible—and alarmingly common for a business to be highly profitable and simultaneously on the verge of bankruptcy. This phenomenon is known as Profitable Insolvency.

In the current economic climate, the old rules of “stocks and bonds” aren’t enough. South African business owners are now looking for assets that solve real-world problems—like energy shortages and food security—while providing a steady monthly yield. Solar Cells: The “Sun Exchange” Model With electricity costs continuing to climb in 2026, renewable energy is no

In 2026, South African entrepreneurs are operating in a tough environment: slow economic growth, delayed customer payments, tighter lending rules, and rising operating costs. As a result, many viable businesses are not failing because they are unprofitable — they are failing because of cash-flow timing problems. This is where revolving facilities come in. More banks