Borrowers

Our investment philosophy is to partner with entrepreneurs with high ethics, strong business models and which are well positioned to make a positive impact. Inyosi offering has been designed to provide black business funding for what we see are the key three areas to achieving growth: Access to Capital, Markets and Skills.

Bridging the gaps for Borrowers

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Capital

Through our Enterprise & Supplier Development funds, Inyosi is able to provide access to black business funding at a very competitive rates with no hidden fees.

Loan funding may be offered to businesses that meet the following minimum qualifying criteria:

51% black-ownership
EME / QSE’s (companies with less than R50m annual turnover)
Have annual turnover or assets greater than R1m
Have an operational track record of at least 3 years

Markets

To best assist our beneficiaries in growing their businesses, we offer them a complimentary listing on iHive, a private network of best-in-class black suppliers that our 500+ investors can look to procure goods & services from.

Further to this, Inyosi actively looks to facilitate meaningful introductions between our beneficiaries and our investors when beneficiaries offer goods or services that are relevant to an investors requirements.

Skills

Non-prescriptive matched grant funding on agreed projects
Optional access to iHive e-Learning portal

What some of our borrowers have to say

iHive, The Missing Piece – Stop Searching. Start Finding.

I Love Coffee – the aroma of life-changing coffee

Your Roadmap to Becoming an Inyosi Borrower

Inyosi – The Bridge Between Capital and Opportunity

Typical Loan Terms

Loan Amount: R250K - R15M
Initiation Fee: 1% +VAT
Fee: We charge a monthly fee which is equivalent to around prime +1.5%
Loan Terms: Matched to funding uses but limited to 5 years
Fixed property loans limited to 10 years
Costs: No early repayment penalties / other costs / hidden fees
Security Required: Asset pledge or any other form of acceptable security

What we do fund

What we don’t fund

Inyosi has been our funding partner since 2020, Inyosi’s funding was mainly used to bridge the gap between project development costs and internal cost which had been sustained over the COVID-19 period.

Our expansion has been greatly assisted by Inyosi, especially in the Eastern Cape and KZN. We first received funding in 2014 to fund our first 3 staff-owned franchises. This was for our staff that did not qualify for traditional funding.

Just before the COVID-19 pandemic in 2020, we had been trying to raise funding for our tower roll-out without much success. We had been granted Inyosi funding which enabled us to continue our roll-out. We would not be where we are with our roll-out without Inyosi funding.

Inyosi assisted us by co-funding our Black Industrialist expansion program and by financing assets in the business. Inyosi has helped us empower young people through the YES program and we have created jobs for 150 Youths over the past 3 years.

Inyosi’s support has meant that we have been able to step up our export programme to three continents We have also been able to develop our production line for waste glass recycling thereby helping the environment, creating jobs and providing customers great products.

Thank you to Inyosi for believing in Kamva Capital and supporting it throughout the application process, during and after the approval. At Kamva, we are looking forward to having a mutually beneficial journey and great partnership with Inyosi going forward.

No business can run without funding, especially as a small business, it is always very difficult to acquire funding to expand in any way. Inyosi funding has allowed us to do so.

Inyosi’s support over the years has allowed us to confidentially make decisions in terms of growth. They supported us with our working capital requirements as well as sponsored two YES Graduate internships over a period of year. Inyosi is definitely delivering on their commitment to creating sustainable economic transformation by partnering with us and providing MPAMOT with access to funding, markets and skills.