Cash Flow Capital logo


Spring Is In The Air

Spring is in the air, which means the dust is being cleaned off our braais, swimming pools are cleaned, and people generally seem to be in a better mood. If you were stuck in the winter hibernation mindset, there is a good chance that your small business requires a good spring cleaning. It’s time for business owners to take advantage of this upcoming season, get organised, and improve by spring cleaning their business.


For most South Africans, a large portion of the 2021 tax year was spent working from home since Level 5 was introduced (lockdown – not load shedding!). Due to this, many individuals could potentially claim an additional tax deduction in the form of home office expenditure. It is crucial to understand who qualifies for this additional deduction and what can be claimed.

Business Tools To Help You Grow

The Global Entrepreneurship Monitor 2019/2020 revealed there are four times more first-time entrepreneurs in SA than established business owners. Because of this reason, we feel there is a need in the market to assist those first-time entrepreneurs.

Why Choose A Short Term Loan

It is important to note that a short-term loan is going to have a higher interest rate than a longer-term loan because it often has more risk. This means your business must come up with the money in frequent repayments, normally a weekly or daily schedule. If your business does not deal with daily or weekly sales, this could be difficult.

The Effects Of Branding For Your Business

Branding is what makes a business stand out from the rest; it defines a business by representing who they are and what they stand for. Branding influences what customers look for in a business; a strong brand can lead to success and business growth by giving the company more leverage in the industry. This makes it a more attractive investment opportunity because of its firmly established place in the marketplace.

How to effectively monitor your business's health.

At Cash Flow Capital, we've always put a significant emphasis on a business's ability to generate and manage cash flow. Our credit model for our short-term unsecured product is very much focused on opening up and unravelling the income and cash flow statement to gather deep insights into the short-term health of the business. On the contrary, our secured offerings almost exclusively look at your balance sheet and we focus more on the unencumbered assets available to secure a loan amount. A longer-term loan is more focused on making sure the business' overall health is intact and that there is a history of solid performance over time. The income statement is then consulted to make sure that the monthly instalment can be repaid given the overall capital structure.

Tips To Improve Customer Retention in Your Small Business

Any business offering a service or product to its customers, often prioritizes finding and targeting new customers. While this is important it is not the only means to grow your business. The difference between companies that grow and those that do not is customer retention. The more customers that you can keep and continue to sell to, the more likely you are to achieve your business goals.

What is in store for 2021?

2020 is behind us. It has been a difficult year for most of us with all the changes to our daily routines. Many have lost their jobs and many businesses have closed permanently. Many lives have been affected by what will surely be recorded as one of the worst years in recent history.

What is Working Capital?

What is working capital? Simply put it is the difference between a company’s current assets and its current liabilities. Regardless of a company’s size or industry sector, working capital is an important metric in assessing the long term financial health of the business.

Business Growth Tips For SME's

Running a small business can be extremely hard and growing your business can be even tougher. If you are struggling to grow your business, there is a light at the end of the tunnel. With some careful planning and a bit of “working smarter not harder”, you can grow your business from strength to strength. Here are some simple growth tips from Cash Flow Capital that we feel can help your business grow.

How to build wealth

Every day, we read about the divide between the rich and poor and how this divide is growing larger. We read about rich countries cutting tax rates for the wealthy and about poor countries getting into debt spirals. We hear about student debt becoming a national crisis in the USA and moments later we hear a story about a billionaire who bought a $10 million Ferrari. The world truly is out of balance!

How are you setting your business up for the festive season?

Covid-19 has had a massive economic impact on businesses across the world. Globally we have seen employees lose their jobs and businesses close their doors and the face of South Africa’s SME’s will look very different in the years to come. This does not mean there aren’t any opportunities for your business to expand your current business plans and increase your revenue.

Prepare for Black Friday

As a business owner, Black Friday can seem like a daunting event that is highly competitive. Although this may be true, we believe that this also creates a unique opportunity to gain new customers and incentivise current loyal customers in your database.

Innovating during a recession

It was during the worst economic downturn in history that the world fell in love with Mickey Mouse. The Great Depression, which lasted for 10 years following the stock market crash in October 1929, left 15 million Americans without jobs, half the country's banks closed, and a financial system on the brink of collapse.

Celebrating women and entrepreneurship

I am a lawyer by trade. I specialize in professional indemnity litigation. I have a degree in Genetics. I am a wildlife activist. And, I am an entrepreneur. From this introduction, you may conclude that I am also one very confused lady. But, as Steve Jobs famously said, “you can’t connect the dots looking forward, you can only connect them looking backwards”.

The importance of marketing right now

Marketing gets the word out about your business. It allows you to connect with potential customers and inform them of all the products/services you offer. It builds brand recognition, it boosts sales, helps you build a client-base, and helps you make your mark on the world.

Covid-19 and MCA funding for SMEs

COVID-19 has affected everyday life greatly. Every country has put emergency lockdown measures in place, and it has caused a huge dramatic impact on small and medium businesses.

Taking your small business global

Expanding your business into a new territory is something many entrepreneurs dream about.

Behaving Economically

The difficulty lies not so much in developing new ideas as in escaping from old ones.

Dealing with uncertainty in the workplace

After speaking to many business owners during our lockdown, many are feeling stuck and unclear. Employees are looking to leaders and executive teams to take actions that protect both them and the business. Franchisees are also looking to franchisors for strategy and ways forward.

Letter from the CEO of Cash Flow Capital

From the very start, we approached the market with an emphasis on customer service and a face to face customer experience that saw us forming real and lasting connections with the owners of the businesses we funded. Almost 7 years later, despite the additions of technology to our processes, we still place much of our emphasis on this human interaction.

How to keep employees happy

If you’re a small business up against corporate giants, you won’t be able to lure employees with your wages or brand name alone, so it’s doubly important you keep employees happy using other means. Here are a few proven strategies for keeping staff members pulling in the right direction, and invested in your vision.

The Cash Flow Capital, 5 Year Milestone

Since founding Cash Flow Capital in 2014 along with my brother, we’ve been so busy building the business we had not come up for air, until now – we are five years in, 70 staff, 2000 loans worth R1 billion disbursed. Phew, what a journey!

CFC - the Human-Machine Approach

In the fourth quarter of 2018 the local economy extracted itself from a technical recession by growing by 2.2%. However, challenging times still lay ahead, particularly for small to medium-sized enterprises (SME) as they are more sensitive to contractions in consumer spending and dips in consumer confidence.

CFC in the Headlines

Lack of data a constraint to SME credit.

Access to the right funding critical to business success in 2019

Sustainability in the small to medium-sized enterprise (SME) sector is closely aligned with consumer confidence and spending. In this regard, 2018 was a mixed bag. With the nation caught up in “Ramaphoria', consumer confidence skyrocketed in the first quarter of 2018.

Cash Flow Capital gets R30m Cash Injection

Cash Flow Capital (CFC) has secured a R30 million senior debt facility from an established senior debt provider. CFC is a niche online lending business providing alternative funding to small and medium enterprises (SMEs) in FMCG, retail, food and beverage sectors, as well as beauty industries.