Apply for Funding

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.

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

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

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

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

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

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

Criteria Requirements	Documentation Requirements	Minimum Security Requirements
12 Months trading history	FICA 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 trades	12 Months bank statements	Personal Guarantees from the shareholders
Track record of trading with medium and large corporates	Invoice to be discounting (must be issued within 60 days)	Subordination of Shareholder loans
Funding requirements cannot exceed 50% of prior 12-months revenue	Purchase order (for the invoice to be funded)	Borrower cession
Innvoice can be discounted up to 75% of the invoice value	Tax pin document
Minimum loan amount must be R50 000

12 Months trading history	FICA 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 trades	12 Months bank statements	Subordination of Shareholder loans
Track record of trading with medium and large corporates	Purchase to be funded (must not be older than 3 months)	Borrower cession
Funding requirements cannot exceed 50% of prior 12-months revenue	Supplier Quotations (Must not be older than 3 months)	Personal guarantees from the shareholders
Purchase order up to 80% of the purchase order value	Tax pin document
Minimum loan amount must be R100 000	Most recent previous Invoices billed aligned with the bank statements
Cost of funding must not exceed 50% of the Gross Profit

12 Months trading history	FICA 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 trades	12 Months bank statements	Subordination of Shareholder loans
Track record of trading with medium and large corporates	Purchase to be funded (must not be older than 3 months)	Borrower cession
Funding requirements cannot exceed 50% of prior 12-months revenue	Supplier 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 value	Tax pin document
Minimum loan amount must be R100 000	3 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

12 Months trading history	FICA 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 trades	12 Months bank statements	Subordination of Shareholder loans
Track record of trading with medium and large corporates	Contract to be financed	Borrower cession
Minimum loan amount must be R100 000	Supplier 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 revenue	Tax pin document	GNB (If repayment period is above 6 months)
Client must have completed a minimun of 3 purchase orders of similar work	3 Historical Purchase Orders of similar work completed in the last 12 months.
Minimum contract period of 6 months	Latest management accounts
Maximum loan period must be 12 months	Latest financial statements

12 Months trading history	FICA 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 corporates	12 Months bank statements	Subordination of Shareholder loans
Funding requirements cannot exceed 50% of prior 12-months revenue unless if there’s contracted future cashflows	Tax pin document	Borrower cession
Minimum loan amount must be R100 000	3 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 work	Latest management accounts	Personal gurantees from the shareholders
Maximum loan period must be 12 months	Latest financial statements
Revenue volatility must not exceed 40% unless if there’s consistent contracted future cashflows	3 years financial projections (If SME does not have contracted future cashflows)
	Contract (If available)

Apply for Funding

Empowering Innovative, Black-Owned Businesses in South Africa

What We Invest In

Before You Apply

Investment Details

TIER 1 FUNDING PRODUCTS AND REQUIREMENTS

Invoice Discounting

Purchase Order (Supply and deliver)

Purchase Order (Installation and Assembly)

Contract Finance

Term loan (Less than 12 months)

Revolving Credit Facility

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Invoice Discounting

Purchase Order (Supply and deliver)

Purchase Order (Installation and Assembly)

Contract finance

Term loan (Less than 12 months)

Revolving Credit Facility