Our Role as a Township & Rural Business Fund Facilitator
We facilitate access to short-term, low-cost, and low-credit score tolerant funding for township & rural-based SMEs, especially in areas where the NYDA does not provide support such as to entrepreneurs who are no longer youth, with contracts and purchase orders that need fast delivery, and who need more than R250 000. We do this in partnership with South African government-accredited non-bank financial services and other socially responsible financial services providers who:
- Prioritise fast disbursement aligned to project delivery deadlines.
- Are South African government-compliant and approved to support township & rural and rural SMEs,
- Offer contract and purchase order finance, invoice advances, term loan, and revolving credit,
- Tolerant of lower credit scores, but not default judgment unless a payment is in place, and
- Adhere to low-fee structures mandated under South Africa government guidelines.
We A Youth Job-Creation Engine!
Do you want a high-commission paying part-time job being Township & Rural Business Fund Facilitator too? Join our 2900+ agents by registering here now!
We’ve simplified your business funding options in the table below:
Township and Rural SME Fund – General Flyer – Download
| Feature | Contract & Purchase Order Finance or Invoice CashAdvance | Term Loan | Revolving Credit Facility |
|---|---|---|---|
| Minimum Amount | R100,000 (Loan) or up to 75% of invoice value | R100,000 | R250,000 |
| Maximum Amount | R5 million | R5 million | Up to 50% of annual turnover unless future contracts exist |
| Purpose | For contract or purchase order delivery, or bridging unpaid invoices (30–60 days outstanding) | For SME once-off growth needs (SME expanding operations, buying equipment or renovating shop, etc.) | Ongoing cash access for stock, this includes retailer stocking fast-moving goods (spaza, wholesaler, supermarket) |
| Ideal For | Main contractors or service providers with a valid PO, contract, or invoice (within 60 days) | SMEs with track record looking to expand operations | Businesses with recurring needs and stable income |
| Who Qualifies | 100% Black-owned | Based in township/rural area, 1+ year trading, 3+ similar POs | Same as Term Loan + 8 trades last 12 months or 3 previous PO loans |
| Credit Profile | No default judgments. Low credit scores may be considered | Same | Same |
| Income Requirements | Not specified | Fluctuation under 40% unless contracts exist | Fluctuation under 40% unless contracts exist |
| Repayment Term | 2 to 12 months | Up to 12 months | Minimum 3 months |
| Supporting Documents | PO, contract or invoice (max 60 days old), cash flow & supplier quotes | 12-month bank statements, FICA docs, business info | Same as Term Loan, plus trade history evidence |
| Purpose | Contract delivery, supplier payments, or bridging unpaid invoicesQuick access to up to 75% of invoice value | Best for growth funding needs | Great for flexible and repeat cash needs |
💡Which One Should You Choose?
- 📄 Go with Contract/Purchase Order/Invoice CashAdvance finance if you already have work secured but need to start up your project or are just waiting to get paid.
- 💰 Use a Term Loan if you’re planning for a once-off growth opportunity, e.g. buy equipment, plant, renovating a shop, etc.
- 🔁 Choose Revolving Credit if your business needs access to funds on an ongoing basis, e.g. retailer stocking fast-moving goods (spaza, wholesaler, supermarket)
🤝 Let’s Build Black Business, Together
Our mission is to empower Black-owned SMEs across South Africa’s townships and rural areas. Whether you’re delivering a project, waiting for payment, or scaling operations — we’ve got your back.
📲 Apply online in minutes from your phone or laptop – no lengthy forms!
💬 Chat to a funding agent on WhatsApp here
We A Youth Job-Creation Engine!
Do you want a high-commission paying part-time job being Township & Rural Business Fund Facilitator too? Join our 2900+ agents by registering here now!
