Capital and capability. In one place.
People don’t come looking for a loan — they come looking to grow a business. We help South African entrepreneurs become funding ready, access finance, strengthen compliance and build businesses that keep qualifying for more.
What do you need help with?
Pick the one that sounds most like you. Each answer opens a different journey — no menu-browsing required.
I need funding
Working capital, contract finance, asset finance and more — from R5 000 to R500 000+.
See funding options → 02I’m not sure if I qualify
Take the free Funding Readiness Assessment and get a score with a clear plan.
Check my readiness → 03I want to grow my business
Business diagnostics, clinics, masterclasses and coaching that build real capability.
Explore growth support → 04I need accounting & tax help
Bookkeeping, VAT, payroll, annual financial statements and SARS compliance.
Get compliant → 05I want to attend training
Accredited business and finance programmes through Aptivo Institute.
Browse courses →Outcomes, not departments.
Most lenders sell you a product. We start with the outcome you actually want — a business that qualifies for funding and can carry it — then put the right combination of capital, compliance and capability behind it.
- One assessment routes you to the right service, first time
- One client record across funding, advisory, ESD and training
- Every funded client is linked to ongoing business support
Funding Readiness
Can your business qualify for funding? Complete our assessment and find out in five minutes.
Business Funding
Access working capital and growth finance across ten productive lending products.
Business Growth
Improve your systems, compliance and profitability through clinics and advisory.
Accounting & Tax
Stay compliant and investor ready with a dedicated accounting team.
Business Training
Learn practical business skills through accredited Aptivo Institute programmes.
Banks decide. We develop.
A traditional lender runs Apply → Credit check → Approved or declined. That leaves most South African businesses on the wrong side of a yes or no. Our sequence is built to move you across it.
Funding Readiness
A single online assessment scores your business out of 100 and shows exactly what is missing.
Fix the basics
Advisory, compliance work, clinics and coaching close the gaps the assessment found.
Get application ready
Statements, tax clearance and cashflow forecasts pulled together into a fundable pack.
Apply and draw down
FlexiScore™ assessment, credit decision and payout through our loan management system.
Capital with capability
Every funded client keeps an advisory and ESD relationship for the life of the facility.
Track business health
Your dashboard tracks readiness, compliance and growth scores as the business improves.
Qualify for more
A stronger score unlocks a higher funding limit and the next stage of growth.
Nothing leaves the ecosystem.
Clients who go through advisory, clinics or training re-enter the funding pipeline the moment they are ready.
One assessment. Four ways forward.
Every visitor completes the Funding Readiness Assessment once. The outcome routes you to the right FlexiGrowth service — which is what turns this website into an intake engine rather than a brochure.
Funding Readiness Assessment
Business profile · compliance check · cashflow snapshot · readiness score out of 100
Funding Solutions
Ready to borrow — routed straight into the product application flow.
Apply for funding → Fix the basicsAdvisory & Compliance
Gaps in records or tax status — routed to our accounting and advisory team.
Book a compliance review → Build capabilityClinics & ESD
Needs structured improvement — paid business clinics and masterclasses.
Book a diagnostic → Learn & growAptivo Training
Skills gaps identified — accredited programmes through Aptivo Institute.
Browse courses →We never simply reject an applicant. If you are not funding ready yet, you leave with a plan — and a route back.
The full product shelf, online.
Productive business finance leads. Consumption lending is kept to a controlled minimum, in line with our responsible-lending obligations as a registered credit provider.
Apply from any phone.
No branch visit, no paperwork queue. Apply yourself on the site, or have a Community Business Development Agent capture the application with you on a tablet.
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1
Apply
A short mobile application — self-serve online or captured by an agent in the field.
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2
Verify
Automated AML and identity verification plus a J-Cred credit bureau check run in the background.
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3
Assess
FlexiScore™ blends bureau data with cashflow, savings behaviour, stokvel participation and contract verification.
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4
Decide & disburse
Approved deals flow into our loan management system for contracting and payout.
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5
Support
Every funded client is linked to advisory and enterprise development support.
Business details
Will you be our next success story?
The businesses we fund are not the ones that arrived perfect. Most of them started where you probably are — a real trading business with gaps in the paperwork, and no clear idea which of those gaps actually mattered.
What changed was the order of things: find out where you stand, close what is holding you back, then apply once with a file that gets a yes.
A business in the agent’s pocket
Community Business Development Agents are entrepreneurs, not employees. The portal is their toolkit.
- Digital lead and application capture, offline-tolerant
- Readiness assessments run on-site with clients
- Business clinic scheduling and paid bookings
- Live commission statements per funded deal
- Training content served from Aptivo Institute
Build a business by growing others.
Agents earn per funded deal and per paid clinic hosted — a partnership, not employment. If you already work with small businesses in your community, the FlexiGrowth agent network turns that network into an income.
Find out if your business is Funding Ready.
Eleven questions. An instant score. A clear plan for whatever is missing — whether that ends in funding, advisory, a clinic or a course.