In South Africa, many township and rural contractors face the same problem: they win big projects, but no one wants to fund their growth.

This was the reality for a small black-owned HVAC contractor based in the Eastern Cape. Despite securing multi-million-rand hospital upgrade contracts, banks and traditional lenders turned them away.

Why? They judged based on location (Eastern Cape) and the fact that it is construction-related, funders usually do not fund construction projects because of high risks. They delayed decisions while the contractor had to deliver.

✅ Funding Terms Made Clear

We believe in keeping things simple and fair:

• ✅ If you’re a Main Contractor
  • Have a signed government or corporate contract? Then good news — no collateral is required. The strength of your contract is your security.
• ✅ If you’re a Subcontractor under a Big Main Contractor
  • Working under an industry giant like Murray & Roberts, WBHO, Stefanutti Stocks, Raubex, Aveng, GVK Siya Zama, or Ruwacon? We’ve got you covered. As long as your subcontract agreement and payment terms are in order, we can consider funding you without heavy collateral.
• ✅ If you’re a Subcontractor under a Small Main Contractor
  • Running projects on your own without the backing of a big main contractor? Then we’ll need collateral for your funding. This can include:
  • Land, a building, or a house that’s at least 60% paid off
  • Fully paid-off vehicles

This ensures that smaller businesses can still access the right support, while protecting the fund and keeping finance affordable for township SMEs.

The truth, however, told a different story.

📌 The company was profitable year-on-year, with assets exceeding liabilities.
📌 Certified progress payments were flowing from large construction groups.
📌 They had a proven track record of delivering essential health infrastructure.

Still, nobody wanted to take the risk.

That’s where we stepped in.

Through our Township & Rural SME Fund, we created a tailored solution:

• Invoice CashAdvance – bridging certified claims while waiting on slow client payments.
• Contract/PO Advance – upfront funds for materials and labour at the start of each project.
• Revolving Credit Facility – a flexible overdraft-style buffer for wages, fuel, and suppliers.

The impact was immediate:
✅ Equipment was procured on time.
✅ Workers and subcontractors were paid without delays.
✅ Materials were delivered early to unlock milestone payments.

Most importantly, this contractor continued delivering critical hospital upgrades in rural communities — proving that township-based SMEs can succeed at the highest level if given the right financial support.

When everyone else said no, we said yes. And that made all the difference.

💡 Do you have a valid PO, contract, or certified invoice but no funding?

👉 Apply now through our Township & Rural SME Fund and get fast access to cash flow solutions that work for you.