Empowering Entrepreneurs. Financing Growth.

Access responsible business funding from R10 000 to R200 000 — designed to help South African small and medium enterprises scale with confidence.

Flexible repayments • Fair rates • NCR Accredited • 7 – 10 Working Days Turnaround

Apply for Funding See How It Works

Our Funding Solutions

We offer two main funding products, tailored to your business needs and growth stage.

Business Resources Fund (BRF)

Working-capital finance that helps you buy inputs, raw materials, or replenish stock. Ideal for: manufacturers, agro-processors, and trading businesses that need to boost liquidity during busy seasons.

Equipment & Asset Finance

Funding for productive assets such as machinery, and operational equipment — including optional insurance cover to protect financed items.

How It Works – Our Funding Process

Expression of Interest

Complete the online EOI form and pay the administration fee (see table below).

Full Application

Submit business profile, quotations, and financial statements.

Assessment & Due Diligence

Our credit and investment committee reviews your business plan, financials, and risk profile.

Approval & Contract Signing

Once approved, you’ll sign the funding agreement and debit order.

Procurement / Disbursement

Funds or financed items are released directly to suppliers or your business account.

Timeline

Approval in 7 – 10 working days (subject to complete documents and due diligence).

Eligibility & Required Documents

Who can apply:

Registered SMMEs, co-operatives or sole proprietors trading in South Africa.
Businesses with a clear growth plan and viable cash flows.
South African citizens or permanent residents.

Required Documents:

Company registration documents or CIPC certificate
Directors’ South African ID copies
3 months’ bank statements
3 months’ financial records / pay advices
Supplier quotations or pro-forma invoices
Completed application form & signed mandate

About Zikhulise Capital

Zikhulise Capital is a South African business-funding company dedicated to supporting entrepreneurs, cooperatives and SMMEs across key industries.
We provide structured, transparent financial solutions that unlock productivity, create jobs and drive inclusive economic growth — all within the National Credit Regulator (NCR) compliance framework.

Testimonials

"Zikhulise Capital has been a game changer for my small business. Their tailored financial services not only met my needs but exceeded my expectations."

Thobile Zungu Accountant

"Working with Zikhulise Capital has been a remarkable experience. Their commitment to providing quality service is evident in every interaction. Great service"

Andile Shange Founder & CEO of Auditors Channel

"Zikhulise Capital stands out in the financial services . Their expertise and dedication to client satisfaction have made a significant difference in my financial planning."

Thabo Zwane Founder & CEO of Codex