Capital That Works For You
Helping South Africans secure Business Finance, Personal Finance and Government Funding through more than 30 trusted lenders — backed by over 20 years of corporate finance expertise.
Complete Finance Solutions for South Africans
From working capital to home loans and government-backed programmes — we structure the right funding, from the right lender, at the right time.
Government Funding
SEFA, IDC, NEF, NYDA, dtic & Transnet Development Fund navigated for you.
Learn More →Real Businesses. Real Funding.
Numbers That Speak For Themselves
How It Works
A structured, no-jargon path from application to payout.
Free Application
Submit your details in under 5 minutes — online, WhatsApp or phone.
Consultation
A dedicated consultant reviews your requirements and financial position.
Lender Matching
We approach the right lenders from our network of 30+ institutions.
Approval & Structuring
We negotiate the best terms and structure the deal on your behalf.
Payout
Funds paid directly to you. Our success-based fee applies only now.
What Our Clients Say
Saffin Capital secured R2.5M in business funding for my logistics company when three banks had turned me down. Fast, honest and no upfront costs.
The team walked me through the entire SEFA application process. Approved and funded in six weeks — I wouldn't have known where to start on my own.
Invoice factoring transformed my cash flow. I now take on bigger contracts without waiting 60 days for payment. Highly recommended.
Personal loan sorted within 48 hours at a rate 4% lower than my bank offered. Professional, clear and quick from start to finish.
Ready to Get Funded?
Free, fast and no upfront fees. Apply now and speak to a consultant today.
Our Services
A complete suite of Business and Personal Finance solutions — structured, negotiated and delivered by experienced consultants.
Funding to Grow Your Business
Business Loans
Working capital, expansion, bridging and unsecured business finance.
Apply NowBusiness Vehicle Finance
Trucks, bakkies, fleet & delivery vehicles — structured for your revenue cycle.
Apply NowFinancials & Bookkeeping
Annual Financial Statements, monthly management accounts and SARS compliance.
Apply NowFinance for Individuals
Financing Growth Across South Africa
Unlock Government Funding For Your Business
We navigate the complex South African government funding landscape so you don't have to — SEFA, IDC, NEF, NYDA, dtic and more.
Government Programmes We Access
SEFA
Up to R5 MillionSmall Enterprise Finance Agency — funding for small, micro & informal SMMEs.
Apply NowIDC
R1M – R1 Billion+Industrial Development Corporation — industrial-scale finance for manufacturing, mining, agri-processing.
Apply NowNEF
R250K – R75 MillionNational Empowerment Fund — funding for black-owned and majority-black enterprises.
Apply NowNYDA
R1,000 – R200,000National Youth Development Agency grants and loans for youth entrepreneurs aged 18–35.
Apply Nowdtic Incentives
Sector SpecificDepartment of Trade, Industry & Competition — grants and incentives across priority sectors.
Apply NowTransnet Development Fund
R500K – R50MSupplier development finance for the Transnet ecosystem and logistics value chain.
Apply NowCIDB Support
Contractor GradingConstruction Industry Development Board grading upgrades & tender-ready compliance.
Apply NowPriority Target Sectors
| Sector | Focus Area | Typical Programme |
|---|---|---|
| Manufacturing | Local production, industrialisation | IDC, dtic |
| Transport & Logistics | Fleet, freight, supplier development | Transnet Fund, SEFA |
| Construction | CIDB grading, infrastructure tenders | SEFA, NEF, CIDB |
| Youth-Owned | 18–35 entrepreneurs | NYDA |
| Black-Owned | B-BBEE aligned enterprises | NEF, IDC |
| Export | Export market development | dtic EMIA, IDC |
Building South Africa's Priority Industries
About Saffin Capital
A division of Saffin (Pty) Ltd — with over 20 years of corporate finance expertise dedicated to getting South Africans funded, fast.
Two Decades of Corporate Finance Expertise
Saffin Capital was established as a specialist division of Saffin (Pty) Ltd to bridge the gap between South African businesses and the country's fragmented funding landscape. Over the last 20 years we've helped hundreds of clients — from SMMEs to established corporates — secure the finance they need to grow.
We work across more than 30 banks, private lenders, development finance institutions and government funding programmes. Our success is measured only when yours is: we charge no upfront fees and earn only when your funding is paid out.
Our Mission
Getting South Africans funded, fast — through expertise, integrity and access to the widest possible funding network in the country.
Our Vision
To become South Africa's leading independent funding consultancy — the trusted partner for every business and individual seeking finance.
What We Stand For
Speed
Fast-track applications and lender decisions.
Integrity
Honest advice — even when it means saying no.
Results
Measured only by funding successfully paid out.
Success-Based
No upfront fees. Ever.
30+ Lenders. One Application.
We connect you to major banks, private lenders, alternative finance providers and government-backed institutions — all through a single application.
Major Banks
Working relationships with all major South African banks and their business divisions.
Private Lenders
Access to specialist commercial and asset-based lenders across the country.
Development Finance
Direct experience navigating SEFA, IDC, NEF, NYDA and dtic programmes.
Alternative Finance
Invoice factoring, purchase order finance and specialist trade finance providers.
The Team Behind Your Funding
Apply In 5 Minutes
Free. No obligation. No upfront fees. Complete the form below and a consultant will contact you within two business hours.
Simple. Secure. Success-Based.
Contact Saffin Capital
Speak to a consultant today. We respond within two business hours.
Get In Touch
Send Us A Message
Speak To A Real Consultant
Frequently Asked Questions
Everything you need to know about how Saffin Capital works, what we charge, and how we get you funded.
No. We charge zero upfront fees. Our commission of up to 10% is only charged after your funding has been approved and paid out. If you don't get funded, you pay nothing.
Personal loans start at R10,000 up to R500,000. Business loans range from R50,000 up to R10 million. Government funding programmes such as IDC can go into hundreds of millions depending on the sector and project.
Personal loans can be paid out within 24–72 hours. Business finance typically takes 1–3 weeks depending on complexity. Government funding programmes usually take 6–12 weeks.
We have working relationships with more than 30 lenders including all major South African banks, specialist commercial lenders, private lenders, invoice factoring companies, and government-backed institutions (SEFA, IDC, NEF, NYDA, dtic and Transnet Development Fund).
Typical documents include: SA ID, 3 months bank statements, 3 months payslips (personal) or 12 months bank statements & annual financial statements (business), tax clearance, and any lender-specific documentation. Your consultant will send a clear document checklist after your application.
Possibly. We work with lenders across the credit spectrum, including specialist and alternative finance providers. We will give you honest feedback on your options after reviewing your file.
Yes. We are fully POPIA-compliant. Your personal and financial information is held securely, is only shared with lenders you authorise, and is never sold or used for marketing without consent.
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