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Apply for Investment

Empowering Innovative, Black-Owned Businesses in South Africa

Dear Applicant,

Thank you for considering IDF CAPITAL as your investment partner. We are committed to fuelling growth by investing in economically viable and innovative black-owned and controlled businesses across South Africa. Our focus is on ventures that not only promise commercial returns but also have the potential to drive substantial impact in the market.

What We Invest In

We currently manage multiple funds and are keen to support businesses and enterprises with high growth potential and innovative ideas. Please note, however, that we do not invest in:

  • Non-Profit Organizations (NPOs), non-commercial ventures, or cooperatives
  • Businesses primarily involved in gambling, liquor, military, or illegal activities
  • Speculative businesses
  • Debt replacement
  • Business rescue or distressed businesses

Before You Apply

  • Complete Your Application: Ensure every section of the online form is fully completed. Inadequate or incomplete applications will not be considered.
  • Detailed Responses: Provide comprehensive details rather than shorthand responses.
  • Attach Your Pitch: Include your company pitch deck or business plan when submitting your application.
  • Key Stakeholders: Sections 1 and 5 must be completed by all Members/Shareholders and key Directors.
  • Operational Involvement: Applicants should be actively involved in the day-to-day management of their business.

Investment Details

IDF Capital invests amounts ranging between R50,000 and R25,000,000 for various credit facilities. 

Alternatively, if you are interested in an equity deal, we invest up to R110 000 000.

Apply Now

TIER 1 FUNDING PRODUCTS AND REQUIREMENTS

Invoice Discounting

  • 12 Months trading history
  • Client must have completed a minimum of 3 trades
  • Track record of trading with medium and large corporates
  • Funding requirements cannot exceed 50% of prior 12-months revenue
  • Invoice can be discounted up to 75% of the invoice value
    Minimum loan amount must be R50 000
Read More

Purchase Order (Supply and deliver)

  • 12 Months trading history
  • Client must have completed a minimum of 3 trades
  • Track record of trading with medium and large corporates
  • Funding requirements cannot exceed 50% of prior 12-months revenue
  • Purchase order up to 80% of the purchase order value
  • Minimum loan amount must be R100 000
    Cost of funding must not exceed 50% of the Gross Profit
Read More

Purchase Order (Installation and Assembly)

  • 12 Months trading history
  • Client must have completed a minimum of 3 trades
  • Track record of trading with medium and large corporates
  • Funding requirements cannot exceed 50% of prior 12-months revenue
    Funding will be up to a max of 80% of the purchase order value
  • Minimum loan amount must be R100 000
    Cost of funding must not exceed 50% of the Gross Profit
  • Client must have completed a minimum of 3 purchase orders of similar work
Read More

Contract Finance

  • 12 Months trading history
  • Client must have completed a minimum of 3 trades
  • Track record of trading with medium and large corporates
  • Minimum loan amount must be R100 000
    Loan amount must not exceed 60% of EBDTA from the forecasted 12 months revenue
  • Client must have completed a minimum of 3 purchase orders of similar work
  • Minimum contract period of 6 months
  • Maximum loan period must be 12 months
Read More

Term loan (Less than 12 months)

  • 12 Months trading history
  • Track record of trading with medium and large corporates
  • Funding requirements cannot exceed 50% of prior 12-months revenue unless if there’s contracted future cashflows
  • Minimum loan amount must be R100 000
  • Client must have completed a minimum of 3 purchase orders of similar work
  • Maximum loan period must be 12 months
    Revenue volatility must not exceed 40% unless if there’s consistent contracted future cashflows
Read More

Revolving Credit Facility

  • 12 Months trading history
  • Client must have completed a minimum of 8 trades over that last 12 months (unless there’s contracted future cashflows, or done at least 3 purchase order loans with IDF Capital)
    Track record of trading with medium and large corporates
  • Funding required cannot exceed 50% of prior 12-months revenue (unless if there’s contracted future cashflows)
  • Minimum facility size R250 000
  • Client must have completed a minimum of 3 purchase orders of similar work
  • Minimum contract period of 6 months
  • Maximum loan period must be 12 months
Read More

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About Us

IDF Capital aspires to be more than just another African business. It is our goal to become catalysts of economic growth across Africa by supporting people on their entrepreneurial journey. Our bespoke service offering gives entrepreneurs the boost they need to grow operationally.

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Invoice Discounting

Criteria RequirementsDocumentation RequirementsMinimum Security Requirements
12 Months trading historyFICA Information:
Certified Copy of ID for all the directors
Proof of address for both the directors and business
Company registraction documents		Clearing account (To be discussed)/Gpay
Client must have completed a minimun of 3 trades12 Months bank statementsPersonal Guarantees from the shareholders
Track record of trading with medium and large corporatesInvoice to be discounting (must be issued within 60 days)Subordination of Shareholder loans
Funding requirements cannot exceed 50% of prior 12-months revenuePurchase order (for the invoice to be funded)Borrower cession
Innvoice can be discounted up to 75% of the invoice valueTax pin document 
Minimum loan amount must be R50 000  

Purchase Order (Supply and deliver)

12 Months trading historyFICA Information:
Certified Copy of ID for all the directors
Proof of address for both the directors and business
Company registraction documents		Clearing account/Gpay
Client must have completed a minimun of 3 trades12 Months bank statementsSubordination of Shareholder loans
Track record of trading with medium and large corporatesPurchase to be funded (must not be older than 3 months)Borrower cession
Funding requirements cannot exceed 50% of prior 12-months revenueSupplier Quotations (Must not be older than 3 months)Personal guarantees from the shareholders
Purchase order up to 80% of the purchase order valueTax pin document 
Minimum loan amount must be R100 000Most recent previous Invoices billed aligned with the bank statements 
Cost of funding must not exceed 50% of the Gross Profit  

 

Purchase Order (Installation and Assembly)

12 Months trading historyFICA Information:
Certified Copy of ID for all the directors
Proof of address for both the directors and business
Company registraction documents		Clearing account/Gpay
Client must have completed a minimun of 3 trades12 Months bank statementsSubordination of Shareholder loans
Track record of trading with medium and large corporatesPurchase to be funded (must not be older than 3 months)Borrower cession
Funding requirements cannot exceed 50% of prior 12-months revenueSupplier Quotations (Must not be older than 3 months)Personal guarantees from the shareholders
Funding will be up to a max of 80% of the purchase order valueTax pin document 
Minimum loan amount must be R100 0003 Historical Purchase Orders of similar work completed in the last 12 months. 
Cost of funding must not exceed 50% of the Gross Profit  
Client must have completed a minimun of 3 purchase orders of similar work  

Contract finance

12 Months trading historyFICA Information:
Certified Copy of ID for all the directors
Proof of address for both the directors and business
Company registraction documents		Clearing account/Gpay
Client must have completed a minimun of 3 trades12 Months bank statementsSubordination of Shareholder loans
Track record of trading with medium and large corporatesContract to be financedBorrower cession
Minimum loan amount must be R100 000Supplier Quotations (Must not be older than 3 months)Personal giarantees from the shareholders
Loan amount must not exceed 60% of  EBDTA from the forcusted 12 months revenueTax pin documentGNB (If repayment period is above 6 months)
Client must have completed a minimun of 3 purchase orders of similar work3 Historical Purchase Orders of similar work completed in the last 12 months. 
Minimum contract period of 6 monthsLatest management accounts 
Maximum loan period must be 12 monthsLatest financial statements 

Term loan (Less than 12 months)

12 Months trading historyFICA Information:
Certified Copy of ID
Proof of address
CK document with lease agreement or proof of adress		Clearing account/Gpay
Track record of trading with medium and large corporates12 Months bank statementsSubordination of Shareholder loans
Funding requirements cannot exceed 50% of prior 12-months revenue unless if there’s contracted future cashflowsTax pin documentBorrower cession
Minimum loan amount must be R100 0003 Historical Purchase Orders of similar work completed in the last 12 months.GNB to the value of the loan required
Client must have completed a minimun of 3 purchase orders of similar workLatest management accountsPersonal gurantees from the shareholders
Maximum loan period must be 12 monthsLatest financial statements 
Revenue volatility must not exceed 40% unless if there’s consistent contracted future cashflows3 years financial projections (If SME does not have contracted future cashflows) 
 Contract (If available) 

Revolving Credit Facility

12 Months trading historyFICA Information:
Certified Copy of ID for all the directors
Proof of address for both the directors and business
Company registraction documents		Clearing account/Gpay
Client must have completed a minimun of 8 trades over that last 12 months (unless there’s contracted future cashflows, or done at least 3 purchase order loans with IDF Capital)12 Months bank statementsSubordination of Shareholder loans
Track record of trading with medium and large corporatesTax pin documentBorrower cession
Funding required cannot exceed 50% of prior 12-months revenue (unless if there’s contracted future cashflows)3 Historical Purchase Orders of similar work completed in the last 12 months.Personal giarantees from the shareholders
Minimum facility size R250 000Latest management accountsGNB (If repayment period is above 6 months)
Client must have completed a minimun of 3 purchase orders of similar work Latest financial statements 
Minimum contract period of 6 months  
Maximum loan period must be 12 months