Business Loans (SME Growth Financing)
Key Features
✅ Loan Types:
| Product | Amount | Term | Best For |
|---|---|---|---|
| Working Capital | R10k–R500k | 3–24 months | Inventory, payroll gaps |
| Equipment Finance | R50k–R5M | 1–5 years | Machinery, vehicles |
| Invoice Financing | Up to 80% of unpaid invoices | 30–90 days | Cash flow crunches |
✅ Interest Rates:
Secured: Prime + 7%
Unsecured: 7% APR
✅ Speed:
24-hour approval for repeat borrowers
Same-day payout for loans <R250k
Target Market
Startups (6+ months trading)
Spaza Shops & Informal Traders
Scalable SMEs (Manufacturing, tech, tourism)
Women/Youth-Owned Businesses (Align with B-BBEE)
Strategic Advantages for Kamina
🔹 Gap in the Market:
Banks reject 68% of SME loan applications (NCR 2023 data)
Most lenders ignore informal sector cash flow
🔹 Kamina’s Edge:
Alternative Underwriting:
M-Pesa/SnapScan transaction history
Supplier invoices as collateral
Value-Add Services:
Free Xero accounting software for 6 months
Business mentorship partnerships (SAICA, SEDA)
Compliance & Risk Management
⚠ NCR Requirements:
Verify business registration (CIPC)
6+ months bank statements
No loans to businesses under debt review
⚠ Kamina Safeguards:
Sector-Specific Caps:
Restaurants: Max R300k (high failure rate)
Tech startups: Up to R1M (high growth potential)
Dynamic Repayments:
% of daily sales for retail businesses
Find out if:
Yes! We accept:
✔ 6+ months bank statements
✔ Signed supplier contracts
✔ Projected cash flows (for tech startups)
We offer:
3-month payment freeze (once per loan)
Term extensions (no penalty)
“Contact us before missing payments!”
We:
✔ Use real-time data (not just credit scores)
✔ Approve 3X faster than traditional lenders
✔ Report repayments to bureaus to build business credit
Our Services
