Get Funding
Stop applying before you're ready. Get funding-ready first.
87% of SA SMEs have never accessed formal credit. The R350 billion funding gap exists partly because businesses apply before they're ready. We help you close the gaps before you apply.
Professional preparation for SEFA, NEF, NYDA, banks, and alternative lenders.
SME funding gap in South Africa
Applications rejected for insufficient history
SMEs that have accessed formal credit
Top reasons for funding rejection
Know what funders look for before you apply.
Insufficient operating history
Inadequate cash flow
Limited collateral
Bad credit score
Funding readiness checklist
Are you funding-ready?
Check these before you apply.
Company registrations current
CIPC, SARS, B-BBEE all valid and up to date
12+ months bank statements
Clean, complete transaction history showing cash flow
Financial records up to date
Management accounts or annual financials available
Business plan documented
Clear strategy, market analysis, and growth plan
Projections with assumptions
3-5 year forecasts with documented rationale
Outstanding debt disclosed
Full picture of existing obligations
Funding sources we prepare you for
SEFA/SEDFA
R50,000 - R15 million
Black-, women-, youth-owned businesses
NEF
R250,000 - R75 million
Empowerment and transformation
NYDA
R1,000 - R250,000
Youth entrepreneurs (18-35)
Commercial Banks
Variable
Established businesses with collateral
Alternative Lenders
R10,000 - R5 million
Cash flow-based, fast turnaround
From assessment to submission
A structured approach to funding readiness.
Readiness Assessment
We evaluate your business against typical funder requirements and identify gaps.
Document Collection
Gather and organise all required documentation, clean up any issues.
Business Plan Development
Professional business plan aligned to your target funder's requirements.
Financial Projections
Realistic projections with clear assumptions that funders can verify.
Application Packaging
Complete pack compiled, quality checked, and ready for submission.
Submission Support
Guidance through submission process and follow-up support.
What you get
- Funding readiness assessment and gap report
- Professional business plan in funder format
- 3-5 year financial projections with documented assumptions
- Cash flow forecast and break-even analysis
- Complete application pack with all supporting documents
- Cover letter and executive summary
- Post-funding reporting framework setup
Track your funding journey with FundingOS
FundingOS on Okhantu provides centralised application tracking, document management, and funder matching. Lamase prepares your application; FundingOS helps you manage the process.
Funding-Ready Pack: From R18,000 depending on complexity. Includes readiness assessment, business plan, projections, and application packaging. Okhantu subscribers may qualify for preferential pricing.