An enterprise finance institution.
FlexiGrowth Capital exists because South Africa’s funding gap is not only a capital problem. It is a readiness problem, a compliance problem and a skills problem — and it needs one organisation willing to solve all four.
Capital with capability.
A conventional lender's job ends at the credit decision. Ours starts a long way before it and carries on well after: readiness assessment, compliance work, business clinics, accredited training, then finance — and then the next round of finance, at a larger number, because the business is stronger.
That is what we mean by an enterprise finance institution. It is also why our website is built around a client journey rather than a product catalogue.
The group
- FlexiGrowth Capital — registered credit provider, business and property finance
- Growth Vista — accounting, tax and business advisory
- Aptivo Institute — accredited training and short courses
- Enterprise Development — diagnostics, clinics and corporate ESD programmes
One client record runs across all four, so a business never has to start its story again.
FlexiScore™
Traditional credit scoring was not built for a business that banks in cash, saves in a stokvel and invoices on a signed order. FlexiScore™ is.
Bureau data
A J-Cred credit bureau check, with consent, as the starting point rather than the whole picture.
Cashflow
What actually moves through the account, month by month, over the trading cycle.
Savings behaviour
Including stokvel participation — a strong, widely ignored signal of repayment discipline.
Contract verification
Confirmed orders and awarded contracts, verified with the buyer, as security for the facility.
FlexiScore™ supports the credit decision; it does not replace affordability assessment or our obligations under the National Credit Act.
Six segments, deliberately chosen.
Each is underserved by conventional lending for a different reason — and each is served by a different combination of our products.
Micro & township enterprises
Spaza shops, traders and service businesses operating largely in cash.
Contractors & construction
Businesses with awarded work but no working capital to mobilise.
Manufacturers
Small producers needing equipment and inventory cycles funded.
Professional services
Asset-light businesses that conventional security-based lending struggles with.
Transport & logistics
Owner-operators and small fleets financing vehicles and running costs.
Agriculture & agri-processing
Seasonal cycles that need finance shaped around a harvest, not a calendar month.
Registered, and regulated accordingly.
FlexiGrowth Capital is a registered credit provider with the National Credit Regulator, registration number NCRCP23507. Every application is subject to identity and AML verification, a credit bureau enquiry with your consent, and affordability assessment in terms of the National Credit Act.
- Responsible lending — productive finance first, consumption lending capped
- Client data handled in line with POPIA
- Complaints resolved through a documented internal process
Find us
509 Cliff Avenue
Waterkloof Ridge
Pretoria
South Africa
info@flexigrowth.com
+27 65 945 6807
See where your business stands.
Whatever stage you are at, the assessment is the front door — and it is free.