ISINGENISO
Amabhizinisi Amancane, Aphakathi Nendawo kanye Namakhulu (SMMEs) abambe elikhulu iqhaza ekuthuthukiseni umnotho wendawo yaKwaZulu Natali. 
Uma kuhlelwe kahle ukutshalwa kwezimali emkhakheni wama-SMME kungasiza ekwenzeni ngcono umsebenzi wezomnotho wesifundazwe kanye nowendawo. Kodwa -ke ukufinyelela ekwesekweni ngezimali kwamabhizinisi okuhlelekile kungumqansa. Lokhu kungenxa yokuthi izikhungo zezezimali zibeka imibandela eqinile yokuxhasa ngezimali. Kungenzeka zingaphumeleli izicelo zokuxhaswa ngemali ngenxa yokuthi imiklamo ithathwa njengesengcupheni enkulu noma ngenxa yokuthi izicelo zayo azibekiwe ngendlela ehambisana nezidingo zesikhungo sezezimali.  Le ngqinamba ikhuliswa ukungabikho kolwazi olufanele maqondana nezindlela zokuthola imali kulo mkhakha. 
Leli bhukwana lihlose ukugqamisa ezinye zezingqinamba ezithinta ama-SMME nokuhlinzeka ngolwazi mayelana nezinhlelo ezahlukene kanye nemikhiqizo enikezelwa yizikhungo zezezimali. Ulwazi oluqukethwe kuleli bhukwana luveza inqubo okumele ilandelwe lapho kwenziwa uhlelo lokufaka isicelo kanye nemininingwane yokuxhumana yesikhungo ngasinye sezezimali. 
Sethemba ukuthi lokhu kuzohlinzeka abantu ngelungelo lokufinyelela olwazini olungabasiza ukuthola imali.
IZINGQINAMBA EZISEMQOKA
Ukuhlanganisa imali eyanele yokuqalisa ibhizinisi nangendlela eyiyo kusemqoka empumelelweni kwezamabhizinisi. Osomabhizinisi kumele baqonde kangcono imithombo ehlukene yokuthola imali yokuqalisa ibhizinisi kanye nokudingekayo ukuze bayithole. 
Mibili imithombo ehamba phambili yokuthola imali yokuqalisa ibhizinisi elisha. Owokuqala; imali kasomabhizinisi okungeyakhe, owesibili; kube yilapho usomabhizinisi esebenzisa imali yabanye abantu.
Nokho-ke iqiniso ukuthi, izinga lobubha eliphezulu livimbela abantu ukuba bakwazi ukuba nemali yokuqalisa ibhizinisi okungeyabo, babe sebephoqeleka ukubheka eminye imithombo yezimali ukuxhasa amabhizinisi abo. 
Isigaba semali yabanye abantu singahlukaniseka kanje:
◆ Imali yesibonelelo    
◆ Imali etholwa kubatshalizimali engenanzalo, kanye
◆ nemali eyisikweletu/ imalimboleko.
UXHASO LWEMALI OLUYISIBONELELO
Luncane uxhaso lwemali oluyisibonelelo olukhona ukweseka ama-SMME kumbe ukuthuthukisa umnotho wendawo. Kakhulu uxhaso lwemali oluyisibonelelo olutholakalayo lugxiliswe ekusizeni ama-SMME kwezoqeqesho, ukwelulekwa kanye nokwesekwa kwezezimakethe.  Zimbalwa izinhlelo okuhloswe ngazo ukusiza ama-SMME ngemali yokuthenga impahla, imishini kumbe ingqalasizinda futhi lokhu kuhlelelwe izinkampani esezivele zikhona ezidinga ukwandiswa.
Ezinye izingqinamba zifaka lokhu:
◆ Ulwazi ngezinhlelo ezahlukene ezinikezelwayo alukakakulungeli ukuthi lungatholakala kumbe kufinyelelwe kulo. 
◆Kunokwentuleka komthamo wabantu ezikhungweni zoxhaso lwemali eyisibonelelo abazokwazi ukukhipha nokuphatha izimali ezinikezelwe ama-SMME kumbe ukuthuthukiswa komnotho wendawo.
◆Izimali ezikhona zibhekiswa kakhulu emabhizinisini omphakathi njengemiphilandawonye, ama-Trust kumbe iZinkampani Ezingaphansi Kwesigaba 21.  Amabhizinisi omuntu ngamunye, njengamabhizinisi anamalunga angeqile eshumini kumbe izinkampani ezingama-(PTY) LTD zona azivumelekile.
◆ Izindlela ezilandelwayo kanye nohlelo lokufakwa kwezicelo lokuthola le mali luyaye lubandakanye izinqubo ezithatha isikhathi nezilukhuni okungelula ukuthi ziqondwe ngabama-SMME kanye nababambiqhaza abangenazo izinsiza ezanele. 
◆ Izikhathi ezinqunyelwe ukuklomelisa abafakizicelo abaphumelele zivamise ukuba zinde kakhulu.
◆ Izinqubo ezinzima zokuthengwa kwempahla okumele zilandelwe zivamise ukungahambisani nemigomo yebhizinisi.
Ukuze kusizakale osomabhizinisi, uMnyango Wezokuthuthukiswa Komnotho Nezokuvakasha sewusungule uhlu lwemininingwane yokuxhumana lwabaxhasi abaxhasa ngezimali, oluzotholakala ku: www.kznded.gov.za.
IMALI ETHOLWA KUBATSHALIZIMALI/ IMALI ETSHALIWE
Umehluko phakathi kwemalimboleko (kumbe isikweletu) kanye nemali etholwa kubatshalizimali ukuthi imalimboleko ikhokhwa kanye nenzalo, kanti imali etholwa kubatshalizimali yona itholakala ngokuthembisana isabelo ebunikazini bebhizinisi.
Yize le mali etholwa kubatshalizimali ingenye yezindlela ezingalandelwa, osomabhizinisi abaningi bantula ulwazi lokuthi kwenziwa kanjani ukuze uyithole kanye namakhono okuheha nokugcina abatshalizimali abasemqoka. 
Abatshalizimali bemali engenanzalo bavamise ukukwazi ukumelana nezimo eziyingcuphe kunalabo abatshala imali ebolekisayo. Imali yabo bayifakela isikhathi esingaziwa futhi bangafaka izibizo zenzuzo kuphela emva kokukhokhwa kwazo zonke izikweletu. Ukutshalwa kwemali engenanzalo etholakala kubatshalizimali yikhona okulungele kakhulu izinkampani ezisafufusa ezingakakazi ukuthi ukungena nokuphuma kwemali kuzohamba kanjani, ngenxa yalokho akuzilungele ukuthola imali kubatshalizimali ababolekisayo.
Akufani nababolekisi, abagcina ubudlelwano babo bungabasondezi eduze kakhulu nabantu ababoleka kubo, abatshalizimali abazimele abatshala imali engenanzalo banganqanda ezinye zezimo eziyingcuphe ngokuthatha izinyathelo ezinkulu ezingaba nethonya kumbe zilawule ukutshalwa kwezimali.  Lokhu kungasiza ekwakheni izinhlelo ezingcono nezisheshayo zebhizinisi kanye nokwenza ngcono indlela yokuphathwa kwenkampani kube futhi kwakhiwa izindlela ezizinzile zokusebenzisana ebhizinisini. 
Ngeminye imininingwane ungavakashela i-South African Venture Capital and Private Equity Association (SAVCA) ku: www.savca.co.za.
IMALIMBOLEKO/ IMALI EYISIKWELETU
Imalimboleko, ekhokhwa nenzalo, iyatholakala emabhange ezentuthuko kanye nalawo okuhweba. Ingqinamba enkulu ebhekene nama-SMME kanye nemiphakathi yendawo ehlwempu ekutholeni imalimboleko ukuthi lezi zikhungo zidinga izibambiso ezanele.
Yize izikhungo zezezimali ezibhekele ezentuthuko zikwazi ukuguqula izimiso zazo, amabhange ezokuhweba wona anemigomo emile mayelana nezidingo zezibambiso. 
Izikhungo eziningi zezezimali zisebenzisa izindlela ezilandelwayo ukubheka izimo eziyingcuphe ngesikweletu uma zicubungula isicelo. Lezo zindlela ezilandelwayo zifaka:
◆ Isimo sezomnotho sebhizinisi kanye nesamba semali yokuqalisa ibhizinisi esihlinzekwe ngumfakisicelo;
◆ Umthamo kanye namakhono ethimba eliphethe okukwazi ukuqhuba ibhizinisi kanye nokuphathwa ngendlela kwezimali; 
◆Isibambiso esikhona (uma kunokungeneli kwemali efanele ibhizinisi) ukuthola imalimboleko
◆ Izimo zezomnotho ezingaba nomthelela ebhizinisini;
◆ Amasu okusebenza okunciphisa izimo eziyingcuphe zezezimali afakiwe kwipulani yebhizinisi (izinsiza zokuhlela ezinjengezinhlelo zezibalo, ukuphathwa kwama-akhawunti, amabhuku ezezimali kanye nezitatimende eziveza ukungena nokuphuma kwemali);
◆ Ukuhlolwa kwezinkomba zokusebenza kwezimali ezivezwe emabhukwini okuhlelwa kwezabelomali kanye nawezimali.
Ngezansi kulandela uhlu lwemibhalo eyaye ifunwe yizikhungo zezezimali uma ufaka isicelo semalimboleko.
Imibhalo evamile edingwa yizikhungo zezezimali ngaphambi kokucubungula isicelo semalimboleko
◆ Ipulani yebhizinisi  
◆ Umlando wokusunguleka kwenkampani.
◆ Uhlaka lomumo wabaphathi kanye nabasebenzi.
◆ Izitatimende ezintsha zezezimali noma uma kuyibhizinisi lomuntu oyedwa, kudingeka isiqinisekiso esibhaliwe esiveza imali engenayo esibhalwe nguMgcinimabhuku.
◆ Ukuphathwa kwama-akhawunti (kudingeka phambili uma kungukuthi izitatimende zezezimali sezizindala ngaphezu kwezinyanga eziyisi-6)
◆ Amabhuku ezimali kanye nezitatimende eziveza ukungena nokuphuma kwemali 
◆ Izilinganiso zokuphuma nokungena kwemali ezinokuhlosiwe ukuthi kwenzeke
◆ Imininingwane yesivumelwano se-Trust/ iNkampani/i-CC [kuhlanganisa: iSitatimende Sokusungulwa, iSivumelwano Sokuqondisisa kanye neMibhalo Yobulungu, iSitifiketi Sokusebenzisana, Isitifiketi Sokuqalisa Ibhizinisi kanye ne-Trust Deed (kuya ngokuthi yikuphi okuhambisana nebhizinisi lakho)]
◆ Izitatimende zasebhange zomuntu   (zezinyanga ezi-3 noma eziyisi-6 ezedlule, kuncike kumbolekisi wemali).
◆ Izitatimende zasebhange zebhizinisi (zezinyanga ezi-3 noma eziyisi-6 ezedlule, kuncike kumbolekisi wemali).
◆ Izitatimende zezimali zomuntu ngamunye kumalungu/abaqondisi/abalawuli bezimali.
◆ Isivumelwano sokuqashiselana, uma sikhona 
◆ Amakhophi ezinkontileka ezitholakele, uma ekhona
◆ Isiqinisekiso esiphuma kubacwaningimabhuku mayelana nabaninimasheya benkampani kanjalo namaphesenti amasheya abanawo.
◆ Uhlaziyo lweminyaka yobudala yabakweletayo kanye nabakweletwayo.
◆ Ama- CV yabaphathi bebhizinisi
◆ Amakhophi kamazisi kanye nesitifiketi somshado
◆ Ubufakazi bekheli lendawo
◆ Incazelo ngokugcwele yesakhiwo kanye nesitatimende sezinyanga eziyisi-6 semali ekhokhelwa leso sakhiwo.
◆ Ukudalulwa kwanoma yiziphi izibizo, okunanyathiselwe, njll. ngezinye izikhungo zezezimali.
Ezinye izidingo ezingavimbela abafakizicelo abahlwempu ukuba bathole imali, zifaka:
◆ Isidingo sokuhlinzeka ngepulani yebhizinisi ebukeka izosebenza ngempumelelo, okungamba eqolo ukuyenza. Ama-SMME amaningi kanye nomphakathi ohlwempu awunazo izinsiza zokukhokhela ipulani yebhizinisi ngaphambi kokuba bathole imalimboleko.
◆ Ama- SMME kulindeleke ukuba afake isamba esithile semali ngaphambi kokuba akwazi ukuthola imalimboleko.
◆ Ulwazi oluningi ngemikhiqizo ehlukahlukene etholakala ezikhungweni zezimali ayitholakali kalula.
◆ Umlando wezikweletu wabafakizicelo uyacutshungulwa ukunquma ukuthi kumele banikezwe yini imalimboleko.
◆ Izinga eliphezulu lenzalo yemali lenza kube nzima kubafakizicelo ukuthola imalimboleko.
◆ Izindlela zokuthola imalimboleko zenza kube nzima kubafakizicelo abahlwempu kumbe kuma- SMME ukuphumelelisa imisebenzi yabo ngokwezimali.
Njengoba kunezingqinamba ezihambisana nokutholakala kwezimali, kunezinhlelo eziningi ezitholakala ezingeni likazwelonke nelesifundazwe ukwelekelela ama- SMME kanye namanye amabhizinisi ukuba akwazi ukuthola imali.
Konke okuzolandela kuleli bhukwana kuhlinzeka ulwazi mayelana nosizo olutholakala ezikhungweni ezibambe iqhaza eSithangamini Soxhaso lwezimali (Funding forum) esasungulwa ngaphansi koHlelo Lokweseka Ukuthuthukiswa Komnotho Wendawo YaKwaZulu-Natali olubizwa nge-Gijima KZN LED Support Programme. Kuphinde kuhlinzeke ngolwazi olubalulekile mayelana nezindlela ezisetshenziswayo ukuhlola izicelo zokuthola uxhaso, uhlelo lokufakwa kwesicelo kanye nemininingwane esemqoka yabantu okumele kuxhunyanwe nabo kulezi zikhungo.
I-ABSA BANK
Izinhlelo zezezimali kanye nezindlela ezilandelwayo zokuthola uxhaso lwemali
I-Absa ihlinzeka ngezindlela zokusiza ezikhethekile kumakhasimende asebhange ukuwaxhasa ngezimali zokuthenga impahla yebhizinisi, kanye nezidingo zemali yokuqalisa ibhizinisi kuncike ezimweni nasezidingweni zomuntu ngamunye. 
Izinhlelo nemisebenzi yezezimali zempahla zinikezelwa kuzo zonke izigaba zezamabhizinisi  zase-Absa, ezinjengalezi:
Ibhizinisi Elincane
◆ Uxhaso lokuthenga izimpahla zebhizinisi elincane luluxhaso lwezimpahla zamabhizinisi angenisa ngonyaka imali engaphansi kwama- R10 million
◆ Kuso lesi Sigaba Samabhzinisi Amancane, ziyasetshenziswa nezinhlelo zokusiza ngoxhaso ezingena ngaphansi kwezikweletu zentuthuko ezinjengalezi:
❏ I- Khula Credit Guarantee Scheme, kanye
❏ I- Absa KZN Joint SMME Fund
Ibhizinisi eliphakathi nendawo kanye nelikhulu
◆ Uxhaso lokuthenga izimpahla zebhizinisi eliphakathi nendawo luluxhaso lwezimpahla zamabhizinisi angenisa ngonyaka imali engaphezu kwama- R10 million, kepha engaphansi kwama R 100 million. 
◆ Uxhaso lokuthenga izimpahla zebhizinisi elikhulu luluxhaso lwezimpahla zamabhizinisi angenisa ngonyaka imali engaphezu kwama- R100 million.
Izimalimboleko zezikhashana zazenzelwa ukuxhasa ukuthengwa kwempahla yesikhathi esiphakathi nendawo kuya esikhathini eside, ikakhulu lapho kumayelana nokuthengwa kwebhizinisi. Izimalimboleko zesikhashana zibuye zisetshenziselwe ukuhlela kabusha isikweletu esinzima esivumelwaneni sekhasimende nebhange sokuboleka imali engaphezu kwelinayo ebhange, ikakhulu lapho isikweletu singumphumela wokuthengwa kwezimpahla esikhathini esiphakathi nendawo kuya esikhathini eside. 
◆ Imalimboleko ingahlelwa ngokubhekelela izidingo zebhizinisi.
◆ Inkokhelo ekhokhwa ngaphambili ngaphezu kwaleyo mali okumele ikhokhwe ejwayelekile ingasiza ukwehlisa ingxenye ethile yemalimboleko, ngaleyo ndlela kube sekwehla nenzalo yonke yemalimboleko.
◆ Uxhaso lujwayele ukuhlinzekwa ngaso sonke isikhathi semalimboleko, uma nje kungukuthi imigomo nemibandela yayo iyalandelwa.
◆ Intela yenzalo imanyaniswa nesamba semali.
◆ Ukukhokhelwa kwemalimboleko kuba phakathi kweminyaka emibili neyisikhombisa
◆ Inzalo ifakwa njalo ngosuku isuselwa email esasele. 
◆Ukukhokhelwa kwemalimboleko kungenziwa ngenyanga, ngekwata noma ngonyaka, kuncike ekutheni yiluphi uhlobo lwebhizinisi.
I-Absa inamakhono nolwazi oluyisipesheli khona ngaphakathi kule mikhakha elandelayo ezosiza amakhasimende: 
◆ Ibhizinisi lezolimo
◆ Ukuhwebelana
◆ Uxhaso lwemali yokuthenga isakhiwo sokuhweba
◆ Uxhaso lwemali yokuthenga izimoto lwakwa-Absa
◆ Ukwakhiwa kwemikhiqizo, ukulondolozwa nokukhiqizwa kokudla, iziphuzo kanye nezindawo zezinsimbi zezimoto.
◆ Izitolo Ezinkulu ezidayisa imikhiqizo yokudla, izinsimbi zezimoto, izindawo 
zokudla kanye namafutha.
◆Izindwangu
SekuneZikhungo Zokwaluleka zakwa-Absa ezihlelelwe ukuhlinzeka ngale misebenzi elandelayo:
◆ Ukweluleka
◆ Ukusizwa ngamamapulani ebhizinisi 
◆ Imihlangano yokuqeqesha mayelana nezihloko ezahlukahlukene kwezamabhizinisi
◆ Ukurejistwa kwamabhizinisi amancane (CC) 
◆ Ukufundiswa ngokwelekelelwa.
Uhlelo lokufaka isicelo
Ukuze athole usizo kwa- Absa, amakhasimende kumele axhumane nomuntu okubuzwa kuyena ngezamabhizinisi ozokwazi ukuwasiza ngohlelo lokuthola uxhaso.
Imininingwane yokuxhumana
uNash Nulliah
Ucingo: (031) 366 9180
Iselula: 082 458 1204
I-imeyili: nashn@absa.co.za
u-Israel Majola
Ucingo: (031) 309 5330
Iselula : 082 334 7782
I-imeyili : israelm@absa.co.za
uShan Moodley
Ucingo : (031) 366 9409
Iselula : 082 856 6549
I-imeyili : shan.moodley@absa.co.za
OSOMABHIZINISI ABASEBENZA NGOKUBAMBISANA 
Izinhlelo zezezimali kanye nezindlela ezilandelwayo ukuthola uxhaso lwezimali
Isikhwama Sebhizinisi Lokuhweba ngaphansi kwegama lenye inkampani, - Franchise Fund
Isikhwama Sebhizinisi Lokuhweba ngaphansi kwegama lenye inkampani sasungulelwa ukusiza isizukulwane esisha sosomabhizinisi ukuthi sikwazi ukufinyelela kalula kuwo wonke amathuba nemihlomulo yemboni yokuhweba ngaphansi kwegama lenye inkampani.  Njengalokhu injongo yaso kungukusiza intsha enolwazi kanye nesipiliyoni kwezamabhizinisi, inhlosongqangi yaso ukuhlinzeka ngoxhaso lokutshalwa kwezimali emabhizinisini anabanikazi abayintsha asebenza kahle kuyo yonke imikhakha.
Izindlela ezilandelwayo ukuthola uxhaso lwemali
◆ Uxhaso luyobhekelela izicelo zokutshalwa kwezimali eziphuma kosomabhizinisi abasebancane abafuna ukuthenga noma ukwandisa ibhizinisi noma amabhizinisi amaningi okuhweba ngaphansi kwegama lenkampani, abadinga imali ephakathi kwama-R150, 000 kanye nama- R3 million. Isicelo ngasinye siyocutshungulwa ngokokufaneleka kwalo.
◆ Uxhaso luqondiswe entsheni emnyama eneminyaka ephakathi kweyi-18 kanye nengama-35 abanamasheya okungenani alingana nama-30%.
◆ Isicelo somuntu ngamunye siyohlolwa ngokubheka nokuthi ipulani yebhizinisi izinzile ngokuphumelelayo mayelana nentshisekelo, umbono kanye nobungoti bukasomabhizinisi ngamunye kumbe osomabhizinisi.
◆ Mayelana nokukhokhwa kwemali ebibolekiwe, oSomabhizinisi Abasebenza Ngokubambisana bavumelana ngesikhathi sokukhokha esizobalungela ngokuxhumana nosomabhizinisi ngesikhathi sezingxoxo zokuqala zokubonisana ngokutshalwa kwezimali. Ngokujwayelekile, isikhathi sokukhokha imali ebibolekiwe siba yiminyaka emihlanu futhi asikaze sedlule eminyakeni eyishumi.
◆ Inzalo enqunywa enanini lemali etshaliwe imanyaniswa nentela yokuqala yokubolekisa. Amakhasimende, athe ukuthembeka ngenxa yokuba negama elihle lokuphatha izikweletu, wona ayonikezwa intela yenzalo esondelene nentela yokuqala yokubolekisa kunalawo makhasimende abukeka kunobungozi bokuthi angase ahluleke ukukhokha.
◆ Isikhwama sizoqinisekisa ukuthi amabhizinisi ahlomulayo, ahlonzwe njengalawo adinga uhlelo lokungenelela,azoba nelungelo lokufinyelela oPhikweni Lwemisebenzi Yokuthuthukiswa koSomabhizinisi Abasebenza Ngokubambisana, i- Business Partners Development Services  (BDS).   
Ukufezekisa uhlelo lokulekelelwa ngokuqeqesha oSomabhizinisi Abasebenza  Ngokubambisana, Umsobomvu Youth Fund (UYF) uzohlonza bese ubeka eceleni isabelo soHlelo lwawo i- Business Development Service Voucher Programme (BDSVP) ukuze sisetshenziswe kuphela ngosomabhizinisi abazohlomula kulesi Sikhwama.
Isikhwama Sosomabhizinisi Abasebenza Ngokubambisana,  i- Business Partners-Khula Start-Up Fund
Uxhaso lwe- Business Partners-Khula Start-Up Fund luqondiswe kosomabhizinisi abasafufusa nasemabhinisini amasha.
Izindlela ezilandelwayo ukuthola uxhaso lwemali
◆ Uxhaso lugxile kuphela emabhizinisini amancane naphakathi nendawo okungawabamnyama (anabaninimasheya abamnyama abanamasheya okungenani angama-51%) kanye nalawo aphethwe ngabamnyama futhi athuthukiswe ngabamnyama (anabaninimasheya abamnyama abanamasheya okungenani angama-26%).
◆ Kugxilwe kakhulu kosomabhizinisi besifazane, futhi inhloso yoxhaso ukuphumelelisa ukuxutshwa kobulili okuzokwenza ukuthi okungenani kube ngama-33% wamabhizinisi amancane naphakathi nendawo angawabantu besifazane
◆ Uxhaso alunangxenye edinga ukukhokhwa kuqala ngaphambi kokuthola imali. Okuyikhona okusemqoka nokuhamba phambili ukuthi ibhizinisi lelo lisebenza ngempumelelo yini futhi lizinzile yini. 
Isikhwama Sosomabhizinisi Abasebenza Ngokubambisana Kwezokuvakasha, i- Business PartnersTourism Fund
Isikhwama i- Business PartnersTourism Fund siyisikhwama sokutshwalwa kwezimali songoti esingama- R200 million esisungulelwe ukusiza noma ukuthuthukisa osomabhizinisi emkhakheni wezokuthutha nezokuvakasha.
Izindlela ezilandelwayo ukuthola uxhaso lwemali
◆Osomabhizinisi abakulungele ukuthola imali, abadinga uxhaso bayakwazi ukuthola uxhaso lwemali yokusungula noma ukuthenga amahhotela, izindlu zezivakashi, iziqiwi, imali yokuqala noma ukukhulisa isikhungo esisiza izivakashi ngezokuthutha, ibhizinisi lezokungcebelekisa izivakashi, isikhungo solwazi ngezokuvakasha, kumbe isitolo semvunulo yesintu kanye nezinye izinsiza zokujabulisa izivakashi, kepha akugcini kulokhu.
◆ Izicelo zihlolwa ikakhulu ngokubhekela impumelelo yebhizinisi, umbono, ubuqotho, intshisekelo kanye nesipiliyoni sikasomabhizinisi.
◆ Izicelo zosomabhizinisi abanemali yokuqalisa ibhizinisi kanye nesibambiso sokunikela kulo mkhakha yizo ezibhekelelwayo, kanye nezalabo abangenazo, futhi isivumelwano somuntu ngamunye sihlelwa ngokufaneleka kwakhe.
◆ Kuvunyelwana ngesikhathi sokukhokha ngokuxhumana nosomabhizinisi ngesikhathi sezingxoxo zokuqala zokubonisana ngokutshalwa kwezimali. 
Ngokujwayelekile kuba yiminyaka emihlanu futhi akweqi eminyakeni eyishumi.
◆ Kwezinye izimo, uxhaso luba yingxenye encane yobuninimasheya ebhizinisini kuze kuphele isikhathi sokukhokha, emva kwalokho oSomabhizinisi Abasebenza Ngokubambisana banganquma ukudayisa amasheya oxhaso ebhizinisini ngemali eyisilinganiso sezimakethe. Usomabhizinisi nguye onikwa ilungelo lokuqala lokunqaba la masheya.
Isikhwama Sokuthuthukisa oSomabhizinisi Abasebenza Ngokubambisana, i- Business Partners Empowerment Fund
Isikhwama Sokuthuthukisa oSomabhizinisi Abasebenza Ngokubambisana selekelela osomabhizinisi abamnyama (Ama-Afrika, Amandiya, kanye Namakhaladi) ukuba babambe iqhaza emnothweni osemqoka ngokuba babandakanyeke ngokulingana emabhizinisini angawabamhlophe azinzile nanempumelelo adinga ukuthuthukiswa ukuze akhule ngokuzayo.
Izindlela ezilandelwayo ukuthola uxhaso lwemali
◆ Uxhaso ludinga ukumbandakanyeka ngokuphelele kosomabhizinisi abamnyama ebhizinisini.
◆ ISikhwama Sokuthuthukisa sigxile ekubhekeleleni ikakhulu imakethe ye- SME futhi sihlelwa ngendlela yokuthi zonke izinhlaka zihlomule esigabeni sokuqala sokutshalwa kwezimali, kube kuqinisekiswa ukuthi ubudlelwane obusha obutholakele bugcineka buqinile isikhathi eside.
◆ isikhwama siyobhekelela ukutshalwa kwezimali okusukela kuma- R1 million kuya kuma-R4 million, kepha-ke lapho kunesiqinisekiso, amabhizinisi angaphezu kwama- R4 million nawo ayobhekelelwa.
◆ Ibhizinisi elingelomhlophe eselizinzile futhi eselinomlando weminyaka okungenani emithathu kuya kwemihlanu wokukhula ngempumelelo emva kwesigaba sokutshalwa kwezimali nalo liyobhekelelwa.
◆ Usomabhizinisi omhlophe ozimisele ukuphumelelisa ibhizinisi lakhe futhi obona izinga lomnotho elingathuthukisa ibhizinisi lakhe.
◆ Usomabhizinisi omnyama ozimisele nokwazi ukuba negalelo ebhizinisini ngokuzibambela mathupha ebhizinisini ngokugcwele, ngesikhathi ehola imali ehambisana nezimakethe.
◆ Uhlelo lokusebenza ukwelekelela ukudluliswa kwamakhono amayelana nokusebenza kwebhizinisi kwansukuzonke.
◆Uhlelo loxhaso oluqondwa kalula yizo zonke izinhlaka ezinentshisekelo.
Uhlelo lwesivumelwano sebhizinisi olujwayelekile eliyobhekelelwa yiSikhwama Sokuthuthukisa Osomabhizinisi Abasebenza Ngokubambisana lungafingqwa kanje:
Isinyathelo 1:
Zonke izinhlaka ezinentshisekelo kumele zivumelane ngesilinganiso senani lezimakethe eelingenakwenzelela lenkampani ngokusebenzisa imigomo efanele yokuhlola nehambisana nezimakethe.
Isinyathelo 2:
Ekwelekeleleni isivumelwano sebhizinisi, inkampani entsha iyosungulwa. Inkampani evele ikhona iyodayisela le nkampani entsha ezosungulwa izimpahla kanye nakho konke okwayo ngesilinganiso senani lezimakethe okuvunyelwene ngalo.
Isinyathelo  3:
Inkampani entsha ihlelwa ngomumo ovulelekile wabaninimasheya ohlanganisa usomabhizinisi osebenza ngokubambisana othuthukiswayo, ngumnikazi webhizinisi omhlophe kanye noSomabhizinisi Abasebenza Ngokubambisana. Izinsiza ezivamile zokutshalwa kwezimali eziyosetshenziswa kuyokuba yizimalimboleko  eziyinani eliguquguqukayo zabaninimasheya, eziyokwenziwa ngokulinganiswa .
Isinyathelo 4:
Ubudlelwane phakathini kwabaninimasheya bulawulwa yimibandela okuvunyelwene ngayo esivumelwanweni sabaninimasheya.
Isinyathelo 5:
Usomabhizinisi osebenza ngokubambisana othuthukiswayo uphenduka isisebenzi esisebenza ngokugcwele, umninimasheya kanye nomqondisi wenkampani entsha enohlelo lokusebenza elimayelana nokudluliselwa kwamakhono kuye ngesikhathi esinqunyiwe.
Uhlelo olujwayelekile lokusebenza ngokuzinikela luyolandelwa ngoSomabhizinisi Abasebenza Ngokubambisana ngaphambi kokuba isinqumo sokutshalwa kwezimali senziwe. Izingxenye ezithile ziyocutshungulisiswa ezinjengeqophelo losomabhizinisi kanye nezokuphathwa, ubungako benkampani kanye nempumelelo yebhizinisi.
Imisebenzi  ehlinzekwayo
◆ Ikhophi eyisibonelo yamahhala yepulani yebhizinisi, engatholwa ngoSomabhizinisi Abasebenza Ngokubambisana kwi- website ethi: www.businesspartners.co.za.
◆ Ukufinyelela kalula emahhovisi ezokuxhumana athe chithi saka ezweni lonke.
◆ Izinhlobonhlobo zamabhukwana olwazi, atholakala mahhala emahhovisi ngoSomabhizinisi Abasebenza Ngokubambisana.
◆ Ukubonwa kokuqala kwamahhala kosomabhizinisi abanepulani yebhizinisi ebukeka izosebenza ngempumelelo kunoma yiliphi ihhovisi loSomabhizinisi Abasebenza Ngokubambisana. 
◆ Ubungoti  kanye nesipiliyoni okuphuma phambili emkhakheni wamabhizinisi amancane naphakathi nendawo.
◆ Ukusizwa komuntu ngamunye yithimba leZimenenja zalo mkhakha.
◆ Uhlu lweminingwane lwabeluleki kwezebhizinisi, abalekeleli, kanye nongoti abangaphezu kwama- 400 abangasetshenziswa ngosomabhizinisi.
◆ Umsebenzi wokusiza ngokuthola izakhiwo ukwelekelela osomabhizinisi ekutholeni izakhiwo abangaziqasha kumbe izakhiwo ezifanelekile abangazithezithengela ukuqhuba amabhizinisi abo kuzo.  
◆ Umsebenzi wezokuphathwa kwezakhiwo kosomabhizinisi abanezakhiwo zabo ezinkulu ezidinga ukuphathwa kumbe izakhiwo abatshale kuzo izimali ezidinga ukulawulwa ngobunyoninco.
Imininingwane Yokuxhumana  
Ucingo: (031) 240 7700
Ifeksi: (031) 266 7286
I-website: www.businesspartners.co.za
IBHANGE LEZENTUTHUKO LASENINGIZIMU AFRIKA (i- DBSA)
Iqhaza leBhange Lezentuthuko laseNingizimu Afrika lokuxhasa lifaka ukuhlinzeka ngohlu lwezinhlelo zezezimali ezinhlanganweni ezingaphansi komkhakha kahulumeni kanye nowamabhizinisi azimele. Ezimweni lapho izinhlelo zezezimali ze- DBSA zingekwazi ukuxhasa ibhizinisi ngempumelelo, ibhange angeke likwazi ukuba negalelo ekusizeni ngezimali. Iqhaza leBhange lokuxhasa ngezimali linqunywa ngokubheka kakhulu isidingo sokubamba iqhaza elisemqoka ekulinganiseni umkhakha wamabhizinisi azimele ekutshwalweni kwezimali zengqalasizinda.
Izinhlelo Zezezimali kanye Nezindlela Ezilandelwayo ukuthola uxhaso lwemali
Izibonelelo
Isikhwama sezentuthuko se- DBSA sihlinzeka ngoxhaso lwezibonelelo kanye noxhaso lwemiklamo yokuhlonyiswa ngamandla eNingizimu Afrika. Imiklamo yokuhlonyiswa ngamandla ikhulisa amakhono amakhasimende e- DBSA okuhlonza,  ukuchaza kanye nokuxazulula izinkinga ezibavimbela ukuba bengamele imisebenzi, benze imisebenzi, futhi banikezele ngemisebenzi ngempumelelo, kanye nalawo okuthuthukisa umnotho wawo wendawo. Izibonelelo zibuye zigunyazelwe ukuqhuba ucwaningo kanye nezinhlelo zama- BEE.
Ukuboleka
Izinhlelo zezokuboleka zifaka izinhlobonhlobo zezinsiza zezezimali kanye neminye imisebenzi yokuboleka imali ebhange etholwa ngamakhasimende azimele nakahulumeni. Ibhange linikela ngenhlanganisela yezinsiza zezezimali eziningana ezihlelelwe ukubhekelela izidingo zamakhasimende, bese kuthi ukuboleka kona kugxiliswe kakhulu emiklamweni yengqalasizinda kanye neyokuhweba ebukeka ingasebenza ngempumelelo. Ibhange liphinde lihlinzeke ngemigudu yokuboleka ezinye izikhungo zezentuthuko zezezimali futhi lisebenzisa lezi nhlobo zemali ezilandelayo: iDola, i-Euro kanye neRandi. Ukweboleka kwesikhathi eside kuvame ukuba ngaphezu kweminyaka emihlanu.
1
Ukutshalwa Kwemali
Iqhaza leBhange lokuxhasa ngezimali lifaka ukuhlinzeka ngohlu lwezinhlelo zezezimali ezinhlanganweni ezingaphansi komkhakha kahulumeni kanye nowamabhizinisi azimele.  Iqhaza leBhange lokuxhasa ngezimali linqunywa ngokubheka kakhulu isidingo sokubamba iqhaza  elisemqoka ekulinganiseni umkhakha wamabhizinisi azimele ekutshwalweni kwezimali zengqalasizinda.  Ukutshala imikhiqizo kuhlanganisa izimali zokulinganisa, ukuxhasa ngemali yokulinganisa ama-BEE kanye nokuxhasa amabhizinisi azimele. 
Iziqinisekiso zobukhona bezimali zokusebenza
Njengesikhungo sezezimali esibhekele ukuthuthukisa, iBhange lizinikele ukungena ezimweni eziyingcuphe zokuthuthukisa, kanye nokwenza ngcono umthamo wemali ebolekwa ngamakhasimende ethu eNingizimu Afrika kanye nasezifundeni ze-SADC.  IBhange liqinisekisa ukuba khona kwemali yokusebenza bese liqinisa amathuba okuthi imiklamo kumbe amakhasimende kumbe kokubili kuhlangene kukwazi ukubhekana kangcono nemigomo nemibandela yoxhaso lwemali.  Iziqinisekiso zobukhona bemali yokusebenza yinto ebhekele ukusungulwa kwamasu okuthuthukisa ukusebenza kwezimakethe.
Uhlelo lokufaka isicelo
Ukufinyelela osizweni olunikezelwa yi-DBSA kumele uxhumane nenhlangano ukuze uhlele ukuthola omele inhlangano ozohlola izidingo zakho. 
Imininingwane yokuxhumana
Ucingo: (011) 313 3911
Ifeksi: (011) 313 3086
I-website: www.dbsa.org
UMNYANGO WEZOHWEBO NEZIMBONI
I-Cooperative Incentive Scheme (CIS) ingenye yezindlela zikahulumeni zokweseka ukuphumelela kwezinhloso zeminyaka kusuka kowezi-2004–2014:
◆ Ukuqhakambisa ukusungulwa kwemiphilandawonye ezinzile ngokomnotho ezofaka isandla ekukhuleni komnotho wezwe.
◆ Ukwenyusa ukuncintisana emkhakheni wemiphilandawonye ukuze ukwazi kangcono ukubamba amathuba avela ezimakethe zikazwelonke, ezase-Afrika kanye nezamazwe omhlaba.  
◆Ukuqhakambisa ukubanjwa kweqhaza ngabantu abamnyama, ikakhulu labo basezindaweni zasemakhaya, abesifazane, abantu abaphila nokukhubazeka kanye nentsha ekusungulweni nasekuphathweni kwemiphilandawonye.
Izinhlelo zezezimali kanye nezindlela ezilandelwayo ukuthola uxhaso lwezimali
Uhlelo luyindlela yokunikezela ngemali bukhoma, ekhishwa ngokokufaneleka kwesibonelelo ezinhlakeni ezifanelekile.  Ukuze ufaneleke ukuthola i-CIS, umphilandawonue kumele uhambisane nezidingo zobuthunywa njengoba zibekwe ngezansi:
◆ Kumele ube yingxenye futhi ubhalisiwe eNingizimu Afrika ngokoMthetho Wemiphilandawonye we-1991.
◆ Kumele kube usebenza noma uzosebenza emkhakheni wabasafufusa.  Kuvamise ukuthi kube yimiphilandawonye ephethwe ngabantu abamnyama, abahlwempu nabangakathuthuki, etholakala emikhakheni ehlukene njengowezolimo kanye nowokukhiqiza.
◆ Kumele ube nemiklamo eqondene nokukhiqiza, ukudayisa, imisebenzi noma imikhakha yezolimo.
◆ Kumele uhambisane nemigomo yemiphilandawonye.  Kumele ube namalungu, ukwazi ukuveza ubufakazi bokuthi ujwayele ukubamba imihlangano yamalungu noma ukulungele ukuba nomhlangano maduze. 
◆ Kumele ucheme nezindawo zasemakhaya kanye nezithi azibe ngamadolobha.
◆ Kumele ucheme nabesifazane, intsha kanye nabantu abaphila nokukhubazeka.
Umklamo kumbe imisebenzi ehlosiwe kumele injongo yayo kube ukuthuthukisa ukuzinza komphilandawonye ngokuthi ikhulise umthamo futhi yenze kangcono ukuzithuthukisa kuneminye. Umklamo kumbe imisebenzi kumele ikwazi ukungena ngaphansi kwale mikhakha elandelayo:
◆ Imisebenzi yezokuthuthukiswa kwebhizinisi
◆ Ucwaningo mayelana nokuzinza kwebhizinisi nezimakethe
◆ Ukushesha komkhiqizo
◆ Imiklamo yokuthuthukisa ezobuchwepheshe
◆ Amafemu nemishini
◆ Izidingo zokuqalisa (ngokokubona kwekomidi lamajaji)
◆ Izidingo zemali yokuqalisa ukusebenza ezifinyelela ezinsukwini ezingekho ngaphezu kwama-60 (ngokwalolu hlelo, imali yokuqalisa ukusebenza ngokwale ngqikithi ichazwa njengempahla yikuhweba kumbe impahla yokwenza imikhiqizo).  Lokhu kusebenza kuphela ezidingweni zempahla yokuqala yokuhweba yokuqalisa ukusebenza.  
◆ I-CIS inikezelwa njengesibonelelo sika- 90:10, lapho i-dti ikhipha ama-90% emali evunyiwe yemisebenzi yomklamo bese kuthi inkampani yona ikhiphe ama-10% (kumbe umehluko wezindleko ngokwempahla ekhona, imali ekhona kumbe amakhono adingekayo ukuze kuphumelele umklamo).
◆ Inani eliphezulu lesibonelelo esinganikezelwa kumphilandawonye ngamunye ngaphansi kwe-CIS ama-R300, 000 (amarandi ayizinkulungwane ezingamakhulu amathathu). Umphilandawonye ungafaka isicelo semiklamo eminingi, inqobo nje uma ukwenyuka kwesibonelelo esinikeziwe singedluli ema-R300,000.
◆ Inani eliphansi lesamba umphilandawonye ongalicela ama-R10,000.
Uhlelo lokufaka isicelo
Kudingeka le mibhalo elandelayo uma ufaka isicelo se-CIS:
Ifomu lokufala isicelo
Kumele lisayinwe ngokufanele (lisayinwe ngumuntu/abantu abagunyaziwe ngokomthethosisekelo womphilandawonye) lithunyelwe yilowo mphilandawonye ofaka isicelo ukukhombisa ukuthi uzimisele ukuba yingxenye ye-CIS. Ifomu liyatholakala kwi-website.
Isiqinisekiso sokubhalisa
Abafakizicelo kumele bahlinzeke ngesiqinisekiso sokubhalisa sibe yisitifiketi sokubhalisa esikhombisa igama lomphilandawonye, inombolo yokubhalisa, imininingwane emayelana nehhovisi elibhalisiwe kanye namagama abaqondisi.
Isiqinisekiso sesinqumo sokufaka isicelo soxhaso lwemali
Umphilandawonye ofaka isicelo kumele ukwazi ukuhlinzeka ngesinqumo esiholele ekutheni ufake isicelo se-CIS.  Lokhu kungenziwa ngokunamathisela amaminithi omhlangano webhodi kumbe wethimba elathatha isinqumo sokufaka isicelo sesibonelelo.
Uhlelo lokusungulwa kwebhizinisi / umbiko wokuqaliswa kokuhlola
Lona ngumbiko wokuhlola izidingo ngokwebhizinisi zokusungulwa  komphilandawonye.  Ungahlanganiswa ngokusebenzisa usizo lwesisebenzi esenza ucwaningo (esigunyazwe yi-dti).
Ipulani yebhizinisi yomphilandawonye
Abafakizicelo kumele banamithisele ipulani yebhizinisi.  Isibonelo sayo sifakiwe efomini lokufaka isicelo.
Izilinganiso zamanani
Uma isicelo sifake nokuthengwa kwempahla, kucelwa ufake izilinganiso zamanani ezintathu.
Imininingwane yokuxhumana
Ukuthola ulwazi ngoHlelo Lokukhuthaza iMiphilandawonye, i- CSI, oluphethwe yi-The Enterprise Organisation kwa-dti, xhumana noyedwa wabantu abalandelayo:
uNelly Molokoane
Ucingo: (012) 394 1425
Ifeksi: (012) 394 2425
I-imeyili: NMolokoane@thedti.gov.za
uThami Klassen
Ucingo: (012) 394 1543
Ifeksi: (012) 394 2543
I-imeyili: TKlassen@thedti.gov.za
uTantsi Sithembile
Ucingo: (012) 394 1258
Ifeksi: (012) 394 2258
I-imeyili: TSithembile@thedti.gov.za
Ukuthola ulwazi ngemiphilandawonye, xhumana nophiko lwemiphilandawonye eMnyangweni Wezohwebo Nezimboni:
uMarilyn Phele
Ucingo: (012) 394 1894
I-imeyili: MPhele@thedti.gov.za
u-Elizabeth Moleko
Ucingo: (012) 394 1626
I-imeyili: EMoleko@thedti.gov.za
Uma unemibuzo, xhumana neSikhungo Esibhekele Amakhasimende se-DTI ku: 0861 843 384
I-website: www.thedti.gov.za
Ikheli: 77 Meintjies Street, Sunnyside, Pretoria, 0002
I-FIRST NATIONAL BANK
Izindlela zokusiza amabhizinisi amasha
I-FNB inikezela ngohlu lwezindlela ezehlukile futhi ezisheshayo ezakhelwe ukusiza osomabhizinisi ukuba baqalise kumbe bakhulise amabhizinisi abo kuwo wonke amazinga omjikelezo wokuqalisa ibhizinisi.  Noma ngabe liqaliswa phansi kumbe liyathengwa, ibhizinisi elisha lidinga okungaphezu kokuba nombono nemali.  Lidinga amandla, ukuzinikela kanye nohlobo loxhaso lwemali olufanele nezeluleko eziyizo ukuze lisebenze.  Yingakho i-FNB inohlu lwezindlela ezisheshayo ezisungulelwe ukunika amabhizinisi  isiqalo esiyiso.  I-FNB inikezela ngabeluleki emabhizinisini amasha ukwelekelela osomabhizinisi babone amakhono abanawo, bathuthukise izindlela zabo zokuxhumana nabanye kanye namakhono abo, ama-akhawunti asheshayo,uxhaso lwemali kanye nezinsizakusebenza zekhompyutha.
Ukutholela ibhizinisi lakho imali kanye nezindlela ezilandelwayo ukuthola uxhaso lwemali
I-FNB inikezela ngohlu olubanzi lwezindlela zosizo lwezezimali ukusiza amabhizinisi ukuthi akhule futhi ahlangabezane nezidingo zansuku zonke zezezimali. 
Izindlela ezihlelekile zokuthola uxhaso lwemali
◆ Izimalimboleko ezikalelwe isikhathi zokunweba ibhizinisi nezokuthenga impahla yesikhathi esimaphakathi nendawo.
◆Imali etholakala e-Wesbank ukuthenga impahla enjengezimoto, imishini kanye nezinto zokusebenza
◆ Ilungelo lokusebenzisa imali ongenayo ebhange yezidingo zansuku zonke zemali yokusebenza kanye nezindleko zokusebenza.
Uxhaso lwemali yokuqalisa kanye neyokunweba ibhizinisi
◆ Uxhaso lwemali olusukela ema-R50,000 kuya ema-R20 million.
Ukuthengwa/ama- MBOs nama-MBI
◆ Uxhaso lwemali lusukela ema- R1 million kuya ema-R20 million.
Imali Yokuqhubeka
◆ Uxhaso lwemali lwabaneminyaka ephakathi kwe-18 – 35 ubudala, ababencisheke amathuba abadinga imali yokuqalisa noma yokunweba ibhizinisi eselivele likhona.  Ibuye ihlinzeke ngamathuba okufinyelela ekwelekelelweni okuxhaswe nguMsobomvu-First Rand Foundation Technical Assistance Fund.
Imalimboleko ye-Khula Eqinisekisiwe
◆ Uhlelo oluqinisekisiwe lwemali ebolekwa amabhizinisi amancane naphakathi nendawo anganazo izimpahla zokubambisa njengoba kwenzeka emalini ebolekwa ebhange.
Isikhwama Semalimboleko ye-Enablis Khula 
◆ Isikhwama esisungulwe ngokubambisana ne- Khula Enterprise Finance kanye nenkampani ezinze kwelase-Canada i-Enablis Entrepreneurial Network ukuqhakambisa umkhakha wezoLwazi Nezobuchwepheshe waseNingizimu Afrika.
Uhlelo lokufaka izicelo
Abafakizicelo bangakhuluma nemenenja ebhekele ezokuxhumana e- FNB, okuyiyona ezobahlahlela indlela yokufaka isicelo semali.
Yize ingahluka imibhalo edingeka uma ufaka isicelo kuya ngohlobolo losizo lwemali oludingekayo, izicelo eziningi zidinga le mininingwane elandelayo:
◆ Umazisi osemthethweni we-RSA
◆ Isiqinisekiso sekheli lendawo
◆ Inombolo eyinkomba yokukhokhwa kwentela  (uma ikhona)
◆ I-Passport (uma ungesona isakhamuzi saseNingizimu Afrika).
Ezinhlotsheni ezithile zosizo, kungadingeka nalokhu okulandelayo:
◆ Izitatimende zakho zasebhange zezinyanga eziyi-6 ezedlule
◆ ISitatimende sezimpahla kanye nezikweletu
◆ Izibalo zakamuva zezezimali kanye noHlelo Lwebhizinisi
◆ Imibhalo yokuhlanganyela (uma ikhona).
Ezinye izindlela zokweseka ezinikezelwayo
◆ Isephulelo sama-20% emalini ekhokhelwa izindleko zenkampani zokugcinwa kwempahla kanye nokuvele uthole i- FNB Reserved Business Account.
◆ Imisebenzi yokweseka ngokusebenzisa i-web yesikhungo sezinsiza (www.fnb.co.za); amasu ebhizinisi, ikhophi eyisibonelo samafomu, amabhokisi amathuluzi, abadwebi bamapulani ebhizinisi, izindlela zokuveza ukusebenza kwemali (ukungena nokuphuma kwayo).
◆ Ukwelulekana nokusebenzisana kusetshenziswa i- Biznetwork (www.biznetwork.co.za).
◆ Imivuzo etholakala ngama-eBucks eBhizinisi ngokusebenzisa izinhlelo ezikhethekile yebhizinisi (www.ebucks.co.za).
Imininingwane yokuxhumana
FNB Business on Call: 0860 362 000
I-Website: www.fnb.co.za
Ikheli: FNB Commercial, Solutions for New Business, P.O. Box 7791, Johannesburg, 2000
INKAMPANI EBHEKELE UKUTHUTHUKISWA KWEZIMBONI, I- industrial Development Corporation
Inkampani Ebhekele Ukuthuthukiswa Kwezimboni eNingizimu Afrika (IDC) Ltd, iyisiKhungo Sokuthuthukiswa Kwezezimali (DFI) sikazwelonke esikwazi ukuzisiza sona ngokwezimali.  Yasungulwa ngonyaka we-1940 ukuqhakambisa ukukhuliswa komnotho kanye nokuthuthukiswa kwezimboni eNingizimu Afrika.  I – IDC isebenza ezimbonini eziningi futhi inolwazi nesipiliyoni esikhethekile, ekusebenzisa  ukunikezela ngosizo lwezezimali olusemthethweni nolufanele kubantu ngabodwana nasezinkampanini ezahlukene.  I-IDC izinikele ukugcina ukuzimela kwezezimali futhi inikezela ngemigomo yebhizinisi esemqoka kuyo yonke imiklamo eyixhase ngezimali. 
Imikhakha ebekwe eqhulwini kanye nezindlela ezilandelwayo ukuthola uxhaso lwemali
Izimboni zokudla, zeziphuzo kanye nezolimo
Ukuxhaswa ngemali kwezolimo okuhloswe ngakho ukuthola imali elingene yokuxhasa:
◆ Ukuqaliswa kwezitshalo ezisezingeni eliphezulu ezizoba khona unomphela, njengezithelo zezihlahla eziwisa amacembe njalo ngonyaka, imivini, namantongomane amila ezihlahleni,  ama-proteas 
◆ Ezolimo eziqinisiwe kumbe imikhiqizo ngokwemvelo etshalwa emanzini kumbe eduze namanzi, njenge-cut flower kumbe izitshalo ezisendaweni elawulwayo, ukukhiqizwa kwama-shellfish ngokushesha 
◆ Ukukhiqizwa kwemikhiqizo yezolimo
◆ Ukunwetshwa kumbe ukusungulwa kwamabhizinisi abandakanyeka ekukhiqizweni kwemikhiqizo yezolimo, iziphuzo, njll. 
Izimboni zamakhemikhali, zezindwangu kanye nezinye ezifana nazo
Kugxilwe kulezi zingxenye:
◆ Imikhiqizo yama-ceramics, ukhonkolo kanye namatshe
◆ Imikhiqizo yengilazi
◆ Isikhumba nezicathulo
◆ Ukuguqulwa kwezihlahla zenziwe indwangu
◆ Ukuguqulwa kwezindwangu zenziwe izimpahla zokugqoka
◆ Ukukhiqizwa kwamakhemikhali ezingeni eliphansi nelimaphakathi nendawo
◆ Ukuguqulwa kweplastiki nenjoloba
◆ Ukuhlanzwa kwemfucuza
◆ Ukusetshenziswa kwamanzi aseke asebenza
◆ Insimbi, ezokuthutha kanye nemishini.
◆ Imikhiqizo yensimbi kanye naleyo engenansimbi kepha ebukeka sengathi inayo, njengamathini
◆ lMishini emikhulukazi, imishini kanye nezinto zokusebenza
◆ Izimoto, imishini kanye nezingxenye
◆ Imikhiqizo ehlukene yezokuthutha, njengezikebhe, amabhanoyi kanye nezitimela.
Izimboni zokhuni, iphepha kanye nokunye
Kugxilwe kulezi zingxenye:
◆ Imiklamo yezamahlathi, okokwenza indwangu, iphepha, imikhiqizo yokhuni kanye nezimboni zezamandla ezivuselelekayo. 
◆ Ukuhlanganisa iziNhlelo Eziphambili Kwezamahlathi ngokubamba iqhaza emiklamweni ehlukene enomthelela omkhulu
◆ Ukuqhubeka nokuxhasa ngezimali, ukweseka nokuthuthukisa osonkontileka abasafufusa kwezamahlathi
◆ Ukuhlinzeka isu lokusebenza lokuthuthukisa ukweseka i-Hans Merensky (IDC engumninimasheya wayo angama- 42,6%) ukuze kwesekwe ukukhula kwenkampani
◆ Ukuphonsa esivivaneni sokukhula kanye nokuthuthuka kwesu lokusebenza ekutshalweni kwezimali eMikhiqizweni Yezamahlathi Emhlabeni.
◆ Ukulandela amathuba okutshala izimali kanye nawokuthuthuka e-Afrika, kugxilwe ekufinyeleleni kwempahla yokwenza imikhiqizo kanye nokuthuthukiswa kwamathuba abonakala ekhona endaweni.
Ukunakekelwa kwempilo kanye nezemfundo
Emkhakheni wezokunakekelwa kwempilo, kugxilwe kulezi zingxenye:
◆ Ukukhiqizwa kwemishini yokwelapha
◆ Ukuphathwa kwamahhovisi ezinhlelo zezokwelapha kanye nokuphathwa kwezinhlelo      zezokwelapha
◆ Imisebenzi yezokwelapha kanye nezamazinyo
◆ lmitholampilo kanye nemisebenzi ehlobene nayo
◆ lmisebenzi yasezibhedlela
◆ Imisebenzi yezempilo yabantu 
◆ Imisebenzi yezokuphathwa kwamabhizinisi angenhla
◆ Ukwesekwa noma ukuthatha kwabalingani abangama-BEE kula mabhizinisi avele ekhona ngenhla.
Emkhakheni wezemfundo, kugxilwe kulezi zingxenye:
◆ Imfundo yamabanga asezinkulisa ezikoleni ezizimele, izikhungo zokunanakekela emva kwezikhathi zokufunda, imfundo yamabanga aphansi kanye naphakeme
◆ Amakolishi emisebenzi yezandla, izikhungo zemisebenzi yobuchwepheshe, izikhungo zemfundo ephakeme (technikons and universities)
◆ Amakolishi okuqeqeshela ubuthisha kanye namakolishi ezemfundo okuqeqeshwa okuthe thuthu
◆ Amakolishi okufunda ngeposi kanye namakolishi azimele okufundela umsebenzi
◆ Ezemfundo kanye nokuqeqeshwa okuyisipesheli kwabantu abanokuthikamezeka komqondo
◆ Eminye imisebenzi yezemfundo njengokunikeza izifundo, izikole ezifundisa ukushayela imoto, izikole zomdanso, zomculo kanye nezemidlalo, amakhono empilo, njll.
◆ Imisebenzi yezokuphathwa kwamabhizinisi angenhla
◆ Ukwesekwa noma ukuthatha kwamabhizinisi angenhla avele ekhona.
Izimboni zezobuchwepheshe
Kugxilwe kakhulu ezingxenyeni ezinomthelela omkhulu kwezentuthuko, kuhlanganisa ukuhlinzekwa kwemisebenzi emayelana nokwakhiwa kwengqalasizinda, ikakhulu ezindaweni zasemakhaya nasemalokishini.  Izindawo okugxilwe kuzo yilezi: 
◆ Ulwazi Lwezobuchwepheshe
◆ Ezokuxhumana ngezingcingo
◆ Ezobuchwephesehe obuphathelene nezinto ezisebenza ngogesi
◆ Ezikagesi.
Ukuze uthole ukwesekwa yi-IDC, umklamo kumele uhambisane nalezi zindlela ezilandelayo:
◆ Umklamo kumele ukhombise ukuthi uzokwazi ukwenza inzuzo eyamukelekayo.
◆ Ithimba labaphathi kumele lakhiwe ngabantu abanamakhono asemqoka (kwezezimali, ezobuchwepheshe kanye nezokudayisa).
◆ Umklamo kumele ukwazi ukugcineka usimeme ukuze umelane neminye imikhiqizo oqhudelana nayo.
◆ Umkhiqizo kumele ube sesimeni sokudayiseka futhi wamukelwe yimakethe (post-revenue earning).
◆Kumele kube khona umthamo owanele ngaphakathi kanye nolwazi ukuze umkhiqizo ukwazi ukuya emakethe noma kumele kube khona isu lokusebenza ngokubambisana ukuze kwenziwe lo msebenzi osemqoka.
◆ Kunesidingo sokufakwa kwezimali ngabanikazi okubonakalayo.
◆ Kumele kuhlale kunethemba okusetshenzelwa phezu ukuze inkampani nemboni kusebenze.
◆ ibhizinisi kumele liqine kwezezimakethe kumbe kumele ukwazi ukuzitholela indawo ezimakethe ngokwamazinga amahle ezimakethe. 
◆ Okucatshangwa ngezindlela ezinhle okungahle kube ngezokuphuma kumele kube khona iminyaka emi-3-5.
Ezokuvakasha    
◆ Kugxilwe kakhulu emalini yezimpahla kanti ingxenye enkulu yemali eqoqwayo
itshalwa emkhakheni wezindawo zokuhlala.
◆ Njengoba impumelelo yomklamo kuyiyona esemqoka, ukukwazi ukwenza inzuzo
kanye nokusimama komklamo kuzohlolwa yi-IDC
◆ Indawo okugxilwe kuyo kakhulu ukuxhasa ngemali yokuthengwa kwempahla
engagudluleki kanye nokukhokhela izindleko zokuqaliswa kwebhizinisi 
◆ Kumele kube ngumkhiqizo noma isakhiwo esifunwa kakhulu yizimakethe eziningi.
◆ Imiklamo kumele ibe nomthelela obonakalayo kwezentuthuko, 
okungukuthi isungule amathuba emisebenzi, ihlomise ngamandla futhi ithuthukise
izindawo zasemakhaya.
Izindlela ezilandelwayo ukuthola uxhaso lwemali 
Nakuba isiphakamiso ngasinye sicutshungulwa ngobuhle baso, nokho-ke kuyobhekelwa kuqala:
◆  Imiklamo yamasimu, ukwandisa kanye nokuvuselela
◆ Imiklamo enomthelela obonakalayo kwezentuthuko, okungukuthi isungule
amathuba emisebenzi, ihlomise ngamandla, ilethe uguquko, ithuthukise izindawo 
zasemakhaya, ihlomise ngamandla ibuye ithumele izimpahla kwamanye amazwe 
◆ Umklamo wenani elikhulu 
◆ Ukuxhasa ngezimali ukuthengwa kwempahla engagudluleki kanye nengxenye 
engaguquleki yokukhula kwezidingo zemali yokwenza umsebenzi 
◆ Ukungenelela kanye nokuthatha kwabantu ababencisheke amathuba phambilini ◆ Amabhizinisi aholwa yithimba labaphathi abanolwazi olunzulu  
◆ Isilinganiso esiphansi semalimboleko ngama-R1 million ebuyiswa nenzalo encane  
◆ Isilinganiso esiphansi semali yempahla ngama-R5 million nesilinganiso esiphansi
sama-8% emva kwentela ye-IRR kanye kanye nama-30% engxenye yokwenyuka
kwentengo yezabelo
◆ Embonini yezindwangu, eyesikhumba kanye neyezicathulo, isilinganiso
esiphansi sobungako bemalimboleko ngama-R500,000 ebuyiselwa nenzalo
encane
◆ Ezimbonini zamakhemikhali kanye nalezo ezisebenzisana nazo, isilinganiso 
esiphansi semalimboleko ngama-R1 million ebuyiselwa nenzalo encane  
◆ Ezokuphepha, umumo nobunjalo bazo obuyohambisana nezimo ezithile  
◆ Ukuhambisana namazinga ezemvelo amazwe omhlaba 
◆ Abaninimasheya kumbe abanikazi balindeleke ukuba bafake imali
ethe xaxa, kanje:
❏ Ama- 35% esamba sezimpahla sezizonke
❏ Ama 45-50% kumabhizinisi aqalayo, kuye ngenkambiso kanye nobucayi
bemboni leyo
❏ Sifisa ukuba ukuvelela kwethu kungabi ngaphezu kwalokho kwabanikazi
bebhizinisi
❏ Umnikelo wama-HDP ungehliswa ngenxa yezimo ezithile nokuyilapho i-IDC
izokwazi ukwengeza uxhaso lwemali ngaphezu kwemali efakwe ngabanikazi.
◆ Umklamo noma ibhizinisi kumele likhangise ngempumelelo kwezomnotho
ngokwenzuzo kanye nokusimama 
◆ I-IDC ayibuye ixhase ngemali ukuthengwa kwempahla engagudluleki, njengoba inhloso yethu kungukwandisa inani lezimboni.
Uhlelo lokufaka isicelo
Esimweni lapho kunwetshwa amabhizinisi avele ekhona kulindeleke:
◆ Izitatimende zezimali zakamuva ezicwaningiwe futhi eziyiqiniso (ezisayinwe
nguMqondisi Wezezimali, uMqondisi Ophethe noma iSikhulu Esiphezulu)
◆ Ipulani yebhizinisi entsha egxile emklamweni ohlongozwayo noma
onwetshwayo 
◆ Incazelo enayo yonke iminingwane yohlobo lokunweba, izindleko kanye nenzuzo ehambisana nakho  
Uma kungamabhizinisi amancane, amaphakathi nendawo kanye nalawo asafufusayo kudingeka ipulani yebhizinisi efaka konke.
Ezinye izinhlelo zezezimali kanye nezindlela ezilandelwayo ukuthola uxhaso lwemali
Ukuhweba ngaphansi kwegama lenye ikampani 
Imikhakha okugxilwe kuyo yilena:
◆ Izitolo ezipheka zidayise ukudla 
◆ Amabhikawozi
◆ Amaselula        
◆ Izitolo zokudla ezinendawo yokuhlala udlele khona  
◆ Ezokudayiswa nokuthengwa komhlaba kanye nezindlu
◆ Izitolo ezigxile ezintweni zokukhethekile
◆ Ezokuhamba 
◆ Ezokuthengisa
◆ Uphetroli 
◆ Izindawo zezokuphathwa kwemfucuza
◆ Izinselelo eziphathelene nokukhiqiza 
◆ Izikhungo zokusabalalisa ezamabhizinisi.
Nazi izinhlobo zosizo lwezimali olunikezelwayo:
◆ Uxhaso lwezimali oluphelele kubahwebi abahweba ngaphansi kwegama 
lenye inkampani kanye nabaphatheli abangalawula uhlelo lokwebolekwa imali 
ebhizinisini ngalinye elihweba ngaphansi kwegama lenye inkampani 
◆ Ukunikezela ngqo kumabhizinisi ahweba ngaphansi kwamagama ezinye
izinkampani  adinga uxhaso lwemali olungaba okungenani ama-R1 million
◆ Ukuxhasa ngezimali izinhlelo zosomabhizinisi asebesimeme abahweba
ngaphansi kwamagama ezinye izinkampani abafisa ukwenabela emazweni 
e-  SADC kanye nasezwenikazi lase- Afrika lonkana 
◆ Uxhaso lwemali luyanikezelwa ukusungula amabhizinsi, ukulungisa amabhizinisi
avele ekhona kanye nokungenelela kwamaqoqo ama-BEE 
◆ Uxhaso lwemali lungolwesilinganiso esiphezulu seminyaka eyisithupha, kanti
ukukhokhwa kwayo kuhlelwa kuhambisane nesimo sokungena nokuphuma kwemali kulowo obolekile kubhekwa nesikhathi ibhizinisi eliqale ngaso
◆ Abafakizicelo oHlelweni Oluphelele Lokuxhasa Ngemali bangafaka isicelo 
sesilinganiso esiphansi, isamba esiphelele sezidingo zemalimboleko 
engama-R1 million sokubolekwa noma ukulawulwa kwemalimboleko
yemiklamo yamabhizinisi ahweba ngaphansi kwamagama
ezinye izinkampani, okungenani iminyaka emihlanu.
Izindlela ezilandelwayo ukuthola uxhaso lwemali
Abafakizicelo abafuna ukuxhaswa ngezimali ngaphansi kwalolu hlelo kumele babe nalezi zimpawu ezilandelayo:
◆ Umlando omuhle ekuthuthukiseni ibhizinisi
◆ Inhlangano esimeme yamabhizinisi ahweba ngaphansi kwamagama ezinye
izinkampani 
◆  Umbono osubonakele ukuthi uyaphumelela webhizinisi elihweba ngaphansi kwegama lenye inkampani   
◆ Babe sesimweni esihle sezimali
◆ Bakhe noma bathole uhlelo lokufundiswa ngokweluleka ukusiza osomabhizinisi
abasafufusa ukuba bathole ulwazi namakhono adingekayo ukuze nabo bagcine 
sebengosomabhizinisi abanohlonze  
◆ Amakhono kanye nezinsiza ezanele zokuqalisa ukusebenza kohlelo lokufundiswa ngokweluleka 
◆ Izinhlelo ezanele zolwazi lwezokuphatha  
◆ Isilinganiso esiphansi semiklamo okungenani eyishumi yamabhizinisi ahweba
ngaphansi kwamagama ezinye izinkampani ezothuthukiswa.
Uhlelo lokufaka isicelo 
Izicelo, kungaba ezoxhaso lwemali oluphelele, ezoxhaso lwemali eqondene ngqo namabhizinisi ahweba ngaphansi kwamagama ezinye izinkampani noma izicelo zokwenabela emazweni e-SADC noma kwezinye izingxenye ze-Afrika kumele zifake le mininingwane elandelayo:
◆ Umlando, incazelo kanye namathuba empumelelo yebhizinisi elihweba
ngaphansi kwegama lenye inkampani
◆ Imininngwane yohlelo lokuqeqesha kanye nokufundiswa ngokweluleka oluhlinzekwa ngumnikazi webhizinisi okuzohwetshwa ngaphansi kwegama lenkampani yakhe olubhekela izidingo zosomabhizinisi abasafufusa  
◆ Imininingwane yohlelo lomnikazi webhizinisi okuzohwetswa ngaphansi kwegama
lenkampani yakhe  lokunakekela osomabhizinisi abasafufusa  emva 
kokufundiswa ngokwelulekwa, izinto ezifana nokuqapha ama-akhawunti okusebenza nyanga zonke 
◆ Izitatimende zezezimali zeminyaka emibili eyedlule ezicwaningiwe zomnikazi
webhizinisi okuzohwetshwa ngaphansi kwegama lenkampani yakhe, 
ngokunjalo nama-akhawunti abaphathi ezinyanga ezimbili ezedlule 
◆ Abanikazi bamabhizinisi okuhwetshwa ngaphansi kwamagama ezinkampani zabo
abafisa ukusebenzisa uhlelo lwamabhizinisi amaningi kumele banikeze incazelo
yebhizinisi ngalinye elizoxhaswa ngezimali, kuhlanganisa inani lamathuba
emisebenzi azodaleka, imishini yokusebenza ezodingeka, indawo lapho
okungahle kusetshenzelwe kuyo, ukuhleleka kanye nezinye izindleko ngokunjalo
nenani lemisebenzi okumele ixhaswe yi- IDC ngezimali
◆ Kumabhizinisi asevele ekhona ahweba ngaphansi kwamagama ezinye
izinkampani lapho kudingeka khona uxhaso lwemali yokunweba, ukulungisa noma
ukungenelela kwethimba lama-BEE, kudingeka umlando ocacile wezitatimende
zezezimali zeminyaka emibili eyedlule ngokunjalo nama-akhawunti akamuva
abaphathi (ezinyanga ezimbili ezedlule) 
◆ Isimo sezimali esihlonzelwe isikhathi esizayo, okufaka phakathi ibhuku
elikhomba imininingwane yempahla ekhona nezikweletu, isitatimende semali
engenayo,  kanye nesitatimende sohlu lokungena nokuphuma kwemali
ebhizinisini elihweba ngaphansi kwegama lenye inkampani noma isitolo somuntu
oqalayo ukuhweba ngaphansi kwegama lenye inkampani
◆ Ikhophi yombhalo odalulayo kanye nesivumelwano somnikazi wenkampani 
okuzohwetshwa ngaphansi kwegama layo bese kuthi ngasahlangothini lwesicelo 
salowo ofuna ukuhweba ngaphansi kwegama lenye inkampani, isivumelwano 
sokuhweba ngaphansi kwegama lenye inkampani kumele sibe yikhophi esayiniwe 
◆ Igama lebhizinisi elizobolekwa imali
◆ Amakhophi aqinisekisiwe emibhalo yomthetho yebhizinisi eliboleka imali, uma
yaziwa
◆ Abaninimasheya benkampani ebolekwayo kanye nohlaka lobuninimasheya 
◆ Amakhophi aqinisekisiwe omazizi babaninimasheya benkampani ebolekwayo, 
kanye nemvume yokuthi babhekwe ukuthi izikweletu zabo zimi kanjani
◆Lapho kuthengwa noma kuthathwa ibhizinisi elihweba ngaphansi
kwegama lenye inkampani elivele likhona yithimba le-BEE, kumele 
kuhlinzekwe imiphumela yokusebenza kwalo, okwesekela intengo yokuthengwa 
kwalo ephakanyisiwe 
◆ I-IDC iyodinga ukuba abaninimasheya bebhizinisi elihweba ngaphansi
kwegama lenye inkampani elizoxhaswa ngemali batshale isamba semali 
esamukelekayo kumnikazi wenkampani okuzohwetshwa ngaphansi kwegama 
layo kanye ne-IDC njengemali engenambandela / nazithiyo esambeni sonke
semali okudingeka itshalwe.
Imininingwane yokuxhumana
Industrial Development Corporation (IDC)
KZN Regional Office, Office 2305, 23rd Floor
The Embassy Building
199 Anton Lembede Street
Durban, South Africa
Ucingo: (031) 337 4455
Ifeksi: (031) 337 4790
I-imeyili: durban@idc.co.za
ITHALA DEVELOPMENT FINANCE
CORPORATION LIMITED
Ithala yiSikhungo Esihlinzeka Ngezimali Zokuthuthukisa esiFundazweni esasungulwa ngokomthetho owaziwa nge-KwaZulu-Natal Ithala Development Finance Corporation Act, we-1999 (uMthetho No. 2 we-1999 njengalokhu uchitshiyelwe). Umsebenzi eliwethwesiwe omkhulu “ukukhuthaza, ukweseka kanye nokwenza lula ukuthuthukiswa komphakathi nezomnotho esiFundazweni saKwaZulu-Natali, ngokuhambisana nesu lokusebenza lesifundazwe lokukhula nokuthuthukisa nangendlela efanele nesimeme kanye nokuhlinzekela izinto ezithintene nalokhu”.
Ithala lenza umsebenzi elethweswe wona ngokunikezela ngoxhaso lwemali emabhizinisini abantu ababencisheke amathuba phambilini kanye namabhizinisi  amancane namaphakathi nendawo asebenzela kumbe azinze KwaZulu-Natali.
Imali ehlinzekwa yi-Ithala kumele igcine seyiveze izithelo zokuthuthuka komnotho ukuze kufezeke izinhloso zomsebenzi elethweswe wona. Ngakho-ke, ukuze ubhekelelwe yi-Ithala ngosizo lwezezimali, umklamo/ipulani yebhizinisi kumele kukhombise ukuba nomthelela obonakalayo kwezentuthuko uma kubhekwa lezi zinto ezilandelayo:
◆ Izinga lokwakhiwa komnotho 
◆ Ukuhlonyiswa ngamandla kwabantu abamnyama 
◆ Ukudalwa kwamathuba emisebenzi 
◆ Ukuhlinzeka amabhizinisi amaphakathi nendawo ngobukhulu ngendawo
yokuqasha 
◆ Ukwethulwa kobuchwepheshe namakhono amasha 
◆ Ukuhlomula kwezinto zokwenza imikhiqizo zaseNingizimu Afrika 
◆ Ukuvalwa kwesikhala sezimpahla eziphumayo kanye/noma ezingenayo ezweni
◆ Umphumela wokukhula komklamo
◆ Izinga lokutshalwa kwezimali ngamazwe angaphandle kumele likhushulwe. 
Izinhlelo zezezimali zebhizinisi kanye nezindlela ezilandelwayo ukuthola uxhaso lwemali
Isicelo semalimboleko e-Ithala singafakwa njengezinhlelo ezizimele kumbe njengenhlanganisela yezinhlelo ezahlukene.  Imalimboleko ye-Ithala isukela ema-R1, 000 ize ifike ema-R30,000,000. Izinhlelo  ezitholakalayo yilezi  ezingezansi: 
Imali yokuxhasa umhlaba nezakhiwo 
Lolu hlelo olokuxhasa ngezimali ukuthengwa komhlaba kanye nezakhiwo noma ukwakhiwa kwamabhilidi ama-SMME amasha noma avele ekhona afuna ukuqalisa imiklamo enomthelela obonakalayo kwezentuthuko.
◆ Isilinganiso esiphezulu sesikhathi semalimboleko yiminyaka engama-20 
◆ Imali ikhokhwa nyanga zonke
Imalimboleko yezomhlaba kanye nokwenziwa ngcono kwempahla engagudluzeki
Lolu uhlelo lwezolimo oluqondene nokuthengwa komhlaba (amapulazi), ukuthuthukiswa kanye nokusungulwa komhlaba wokutshala (kuhlanganisa nomoba) kanye nokwakhiwa kwamabhilidi nenye impahla engagudluzeki (amadamu, imigwaqo, njll).
◆Isilinganiso esiphezulu sesikhathi semalimboleko iminyaka engama-20  
◆Imali ikhokhwa nyanga zonke/ njalo ngekota yonyaka/
Njalo ngesigamu sonyaka/njalo ngonyaka 
Imali yokuthenga imishini
Lena ibhekele ukuthengwa kwemishini emisha kumbe esike yasebenza ithengelwa ama-SMME asanda kusungulwa noma asevele ekhona abandakanyeka emiklamweni enomthelela obonakalayo kwezentuthuko.
◆Isilinganiso esiphezulu sesikhathi semalimboleko yiminyaka engama-20 
◆ Imali ikhokhwa nyanga zonke
Imali eqondene nezinto zokusebenza kanye nezimpahla ezigudluzekayo
Lolu uhlelo lwezolimo oluqondene nokuxhasa ngezimali zokuthengwa kwemishini emikhulu kanye nemishini ejwayelekile, izinto zokuchelela kanye nezinye izimpahla zokusebenza kwezolimo kanjalo nemfuyo (kuhlanganisa izinhlanzi nezinkukhu) kanye namalungelo amabhizinisi okungahwetshwa ngawo (isibonelo. izabelo, izinkontileka ezikwazi ukudluliseka komunye umuntu, njll.).
◆ Isilinganiso esiphezulu sesikhathi semalimboleko ngokujwayelekile yizinyanga
ezingama-60 
◆ Imali ikhokhwa kancane kancane iya ngohlobo oluthile lwento ekhokhelwayo 
kanye nohlu lokungena nokuphuma kwemali 
Imalimboleko yemali yokuqhuba umsebenzi 
Lolu uhlelo okuhloswe ngalo ukuhlinzeka ngemali yokuqhuba umsebenzi noma ukuvala igebe kwezezimali ukuze kukhokhelwe izindleko zokukhiqiza, kanye nokusebenza.  Lolu hlelo luvuleleke amabhizinisi asemasha kanye nalawo avele ekhona. 
◆Isilinganiso esiphezulu sesikhathi semalimboleko ngokujwayelekile yizinyanga 
ezingama-36 kuye ngokohlu lokungena nokuphuma kwemali 
◆Imali ikhokhwa nyanga zonke
Izinhlelo zezaphulelo zama-oda/ama-invoyisi
Lolo hlelo luhlinzeka ngemali yokuqhuba umsebenzi kumabhizinisi akhiqizayo asafufusa ngokuthi lunikezele ngemali kuqala ngaphambi kokuthi kuqalise inkontileka kumbe isaphulelo zama-invoyisi kumakhasimende.
◆Isilinganiso esiphezulu semalimboleko yizinyanga eziyisi-6 
◆ Imali ikhokhwa nyanga zonke
Imali yokuvala igebe kosonkontileka abancane
Lolu hlelo luhlinzeka ngemali yokuvala igebe kosonkontileka abancane emkhakheni wemisebenzi yezokwakha kanye nemisebenzi ehambisanana nakho, kuncike kwinkontileka ekhona.
◆ Isilinganiso esiphezulu sesikhathi semalimboleko ngokujwayelekile sincika
esikhathini senkontileka
◆ Imali ekhokhwa nyanga zonke incike ohlwini lokungena nokuphuma kwemali
Iziqinisekiso zokusebenza kosonkontileka abancane  
Lokhu kuhlinzeka ngesiqinisekiso sokusebenza kosonkontileka abancane emkhakheni wemisebenzi yezokwakha kanye nemisebenzi ehambisana nakho, kuncike kwinkontileka ekhona.
◆ Isilinganiso esiphezulu sesikhathi sesiqinisekiso ngokujwayelekile sincika
esikhathini senkontileka.
◆Kunemali eyisibambiso ekhokhwayo kuqala
Imali yokuvala igebe 
Lolu hlelo luhlinzeka ngemali yesikhathi esifushane yokuvala igebe kuma-SSME ukubhekana nezikhathi zokwenyuka ezisuke zikhona noma ukubhekelela ukwenyuka kwentengo okulindelekile.
◆ Isilinganiso esiphezulu sesikhathi semalimboleko ngokujwayelekile yizinyanga
eziyi-12
◆ Imali ikhokhwa nyanga zonke
Imalimboleko ye-VAT
Lolu hlelo olokuhlinzeka ngemali yesikhathi esifushane yokuvala igebe enikezwa izinkampani nezimboni ezisanda kusungulwa ukuze zikwazi ukukhona i-VAT yempahla eziyithengayo, noma inikezwa izinkampani ezisandwa kusungulwa, ezimaphakathi nendawo ngobukhulu, ezingabanikazi bezakhiwo ukuze zikhokhe i-VAT maqondana nokuthenga isakhiwo.
Lolu hlelo kumele lusetshenziselwe izinkampani ezisanda kusungulwa kuphela lapho kungekho mali ebekelwe i-VAT engaholela ekuncipheni kwesamba semali yesibizo.
◆Isilinganiso esiphezulu sesikhathi semalimboleko yizinyanga eziyisi -6
◆ Kunemali eyisibambiso ekhokhwayo kuqala
Imali yokuhlonyiswa ngamandla ngamasheya
Lokhu kunguhlinzeka usizo lwezezimali kubantu ngokomlando ababencisheke amathuba okuhweba ngaphansi kwegama lenye inkampani ukuba bathole amasheya ezinkampanini ezimaphakathi nendawo ngobukhulu, ezizimele ezivele zikhona, eziphumelelayo futhi ezizinze KwaZulu-Natali.
◆ Isilinganiso esiphezulu sesikhathi semalimboleko yizinyanga ezingama-60
◆ Imali ikhokhwa nyanga zonke
Ukugxila emikhakheni ethile
Ithala selehlukanise amabhizinisi alo abolekisa ngemali ukuba agxile emkhakheni othile wezomnotho.  Lokhu kwenzelwa ukwenyusa izinga lokuba ngongoti emikhakheni ethile kanye nokwenza ngcono isikhathi sokuphendulwa kwezicelo.  Lezi yiziMpiko ze-Ithala ezinazo zonke izinsizakusebenza ezibhekele uMkhakha Wamabhizinisi:
◆ Umkhakha wezokukhiqiza
◆ Umkhakha wezokwakha kanye nezokuvakasha
◆ Umkhakha wezolimo kanye nokuguqulwa kwemikhiqizo yezolimo ukuze
isebenziseke
◆ Umkhakha wezohwebo kanye nemisebenzi
◆ Umkhakha wezakhiwo zokuhwebelana.
Izinhlelo eziningi ezibalulwe ngenhla zitholakala kuzo zonke iziMpiko ze-Ithala ezibhekele uMkhakha Wamabhizinisi.
Ukufakwa Kwentengo
Zonke izinhlelo zebhizinisi kanye nemisebenzi ye-Ithala zifakwa inani lentengo kubhekelwa izimo ezibucayi zentela ezihambisana nenzalo yokubolekisa encane esebenza ngaleso sikhathi. Amanani entengo ethu zncintisana kahle kakhulu nezikhungo esisemkhakheni owodwa nazo ngokwezimakethe. 
Uhlelo lokufaka isicelo
Ukufinyelela ezimalini ezikhishwa yi-Ithala, kunefomu elitholakala kwi-website yalo kanye nasezikhungweni Zezamabhizini ze-Ithala okumele ligcwaliswe futhi kumele liphelezelwe yile mibhalo elandelayo:
◆ Ipulani yebhizinisi noma umlando ofingqiwe webhiznisi
◆ Amakhophi aqinisekisiwe omazisi babanikazi, amalungu kanye nabaqondisi
◆ Amakhophi aqinisekisiwe esitifiketi somshado kumalungu ashadile
◆ Isitatimende sokusungulwa kwebhizinisi
◆ Imininingwane yakamuva yokukhokhwa kwentela kumbe kwentela yentengo
◆ Ubufakazi bekheli lendawo
◆ Ubufakazi benombolo yocingo
◆ Ubufakazi benombolo yeselula
◆ Imininingwane yezimpahla kanye nezikweletu
◆ Ama- CV amalungu 
◆ Izitatimende zezezimali zeminyaka emibili edlule kanye nokuphathwa kwama-
akhawunti amabhzinisi avele ekhona
◆ Ikhophi yesivumelwano sokuqashiselana kumbe isivumelwano sokuhweba
ngaphansi kwegama lenye inkampani, lapho kudingeka khona
◆ Ikhophi yezincwadi zokunikezelwa kwenkontileka, lapho kunesidingo khona.
Imininingwane yokuxhumana
uBonginkosi Shangase
Divisional Manager: Business Finance
Ucingo: (031) 907 8784
Ifeksi: (031) 907 8636
I-imeyili: bshangase@ithala.co.za
Noma
Ithala Client Services
Ucingo: (031) 907 8762
I-imeyili: clientservices@ithala.co.za
I-website: www.ithala.co.za
I-KHULA ENTERPRISE FINANCE LIMITED
I-Khula Enterprise Finance Limited yasungulwa ngonyaka we-1996 ukuze igxile ekuqhakanjisweni nasekuthuthukisweni kwamabhizinisi amancane kanye naphakathi nendawo (SME).  Iqhaza leKhula ukuphumelisa indlela yokufinyelela emalini kwama-SME ngendlela ezoholela ekuthuthukisweni kwamabhizinisi amancane kanye naphakathi nendawo asimeme, ukusungulwa kwamathuba emisebenzi, ukukhula komnotho kanye nokulingana.
Izinhlelo zezezimali kanye nezindlela ezilandelwayo ukuthola uxhaso lwezimali
I-Khula Credit Indemnity Scheme
Inhloso ye-Indemnity Scheme ukwabelana namabhange ngezimo ezibucayi kwezezimali, bese kwenza ama-SME akwazi ukufinyelela oxhasweni lwemali aluthola emabhange abambe iqhaza kumbe kwezinye izikhungo zezezimali. 
Uhlelo lwenza osomabhizinisi bakwazi ukufinyelela oxhasweni lwemali ngenhloso yokusungula, ukwandisa kumbe ukuthenga amabhizinisi avele ekhona, impahla yebhizinisi kanye nemali yokuqhuba umsebenzi.  
Imali kumele igunyazwe yisikhungo sezezimali, bese sifaka isicelo sesiqinisekiso kwi-Khula uma kunesibambiso esingenele.
Uhlelo Lwe-Khula Lokuqinisa Ukubuyiswa Komhlaba  
Inhloso ukwenza lula ukwedluliselwa komhlaba kanye nokubamba iqhaza kwabathengi abathenga okokuqala kanye nabantu abamnyama emabhizinisini ezolimo agxile kwezomhlaba anempumelelo kwezomnotho (amancane naphakathi nendawo)
UHlelo Lwe-Khula Lokufundiswa Umsebenzi Ngokwelulekwa
Inhloso esemqoka yoHlelo Lokufundiswa Umsebenzi Ngokweluleka ngukusebenza njengohlelo lokunciphisa izimo ezibucayi kanye nokwelekelela ekufinyeleleni kwama-SME emalini.  Mibili imisebenzi enikezelwa yilolu hlelo; okuyimisebenzi yokufundiswa ngokwelulekwa maqondana nemalimboleko ungakayithathi kanye nangemuva kokuba usuyithathile.  Esigabeni lapho ungakayithathi imalimboleko, osomabhizinisi basizwa ngabeluleki asebemnkantshubomvu ngokunikwa izeluleko  nangokwenziwa kwamapulani ebhizinisi azophumelela ukuze  bakwazi ukuthola uxhaso lwemali.  Esigabeni sangemuva kokuba usuyithathile imalimboleko, amakhasimende asizwa ngezinto eziningi zezokuphathwa kwebhizinisi eliphumelelayo njengoba zisuke zihlonzwe yikhasimende, umeluleki, ibhange kanye ne-Khula.
Izikhwama Ezihlanganyelwe
Lezi Zikhwama Ezihlanganyelwe zinezinkampani ezahlukene ezizimele kanye nezingaphansi kukahulumeni, kanti inhloso ukwelekelela ngokuxhasa ngezimali osomabhizinisi adinga uxhaso lwemali oluyisipesheli futhi angena ngaphansi komkhakha kumbe imboni ethile.
Abelekeleli Kwezezimali Zokudayisa Abangesiwona amabhange
Abelekeleli Kwezezimali Zokudayisa, abavamise ukubizwa ngama-RFI, bayizinhlangano ezizimele kumbe izinkampani ezivunywe yiKhula ukuba ziboleke ama-SME imali bukhoma.  Uma esivunyiwe, ama-RFI athola imalimboleko ezikhwameni zeKhula ukuba ayihlukanisele amabhizinisi amancane naphakathi nendawo ngokwemigomo kanye nezinqubomgomo zokweboleka okuvunyelwana ngazo.  Ama-RFI kumele aqinisekise ukuthi izimalimboleko ezihlukaniswayo ayazibuyisa ama-SME ukuze kukhokhwe imalimboleko yokuqala esuke ithathwe kwi-Khula.
Imininingwane yokuxhumana
uTembakazi Koali
Ucingo: (031) 301 1916/7
Ifeksi: (031) 301 1922
I-imeyili: tembakazik@khulakzn.org.za
I-website: www.khula.org.za
I-KZN JOINT SMME RISK FUND
I-KZN Joint SMME Fund iyindlela uMnyango Wezokuthuthukiswa Komnotho Nezokuvakasha KwaZulu-Natali obhekana ngayo nezingqinamba abahlangabezana abamabhizinisi amancane, ikakhulu maqondana nokufinyelela emalini kanye nemisebenzi yezezimali.  Lokhu kungenelela ngasohlangothini lwezezimali (SMME Fund) kuhloswe ngakho ukwelekelela ama-SMME esifundazweni akhulise lo mkhakha futhi kuvundululwe ikhono lawo ekufakeni isandla ekuthuthukisweni nasekukhulisweni komnotho.
Izinhlosongqangi kanye nezindlela ezilandelwayo ukuthola uxhaso lwemali
I-KZN Joint SMME Risk Fund ihlose:	
◆  Ukusiza ngeziphakamiso zamabhizinisi amancane okungenzeka
angakwazi ukufinyelela kwezezimali ukuze akwazi ukuthola imalimboleko 
ezikhungweni ezibolekisa ngemali ezibambe iqhaza. 
◆  Ukuhlinzeka ngesiqinisekiso semalimboleko ngendlela yokwengeza isibambiso. 
◆  Ukwenza lula ukuhlanganiswa kweziphakamiso zebhizinisi zama-SMME zibe 
ngamapulani ebhizinisi angasetshenziswa emabhange. 
◆  Ukuheha amabhange amaningi ukuba abambe iqhaza emkhakheni wama-     SMME
◆  Ukuqinisa ukukhuliswa komnotho
◆  Ukugxila kumabhizinisi aseke ahlomula ezinkontilekeni zikahulumeni
◆  Ukuqinisa indlela yokuthengwa nokusatshalaliswa kwempahla esifundazweni
◆  Ukuqhakambisa ama-BEE kanye nokudala amathuba omsebenzi
◆  Ukuthuthukisa umnotho osimeme
◆  Ukweseka ukuthuthukiswa komnotho wendawo
Izikhungo ezibolekisa ngemali ezibambe iqhaza
Njengamanje umnyango usuphothule izivumelwano ezintathu ezehlukene:
◆  Nabe-IThala Development Finance Corporation: Imalimboleko engafinyelela 
ema-R15 million
◆  I-Absa: Imalimboleko engama- R10,000 kuya kuma–R1 million
◆  I-Standard Bank saseNingizimu Afrika : Imalimboleko 
engama-R100, 000 kuya kuma-R3 million
Ukuchazwa kwezinhlelo zezezimali kanye nemisebenzi 
Ikhona imali engatholwa ngamabhizinisi amasha angasebenza ngempumelelo kanye nalawo afuna ukukhula, kuhlanganisa nasasungulwa.
Abafakizicelo abafanelekayo bangalekelelwa: 
◆  Ngocwaningo mayelana nokuthi amabhizinisi abo azophumelela yini
◆  Ngamapulani ebhizinisi
◆  Ngokuhlela amapulani ebhizinisi ahambisane nemigomo yamabhange
◆  Ngokwelulekwa nokwesekwa
Izindlela ezilandelwayo ukuthola uxhaso lwemali
◆  Abafakizicelo kumele kube ngababencisheke amathuba phambilini 
futhi   bahlangabezane nemigomo ye- BEE.
◆  Ibhizinisi kumele libe nenjongo yokwenza inzuzo futhi libe ngeliphumelelayo.
◆  Ukusebenza okukhulu kwebhizinisi kumbe indawo yokusebenza kwebhizinisi 		     kumele kube yiKwaZulu -Natali  
◆  Umnikazi noma okungenani umuntu oyedwa noma ngaphezulu onentshisekelo
yokulawula kumele abhekele ukusebenza kwebhizinisi nsuku zonke 
(maliphathwe ngumnikazi). 
◆  Abafakizicelo kumele bakhombise ubufakazi bokuthi ibhizinisi liyaphumelela ngokuveza izitatimende zezezimali ezicwaningiwe kumbe eziqinisekisiwe kanye/noma ukuphathwa kwama-akhawunti.
Uhlelo lokufaka isicelo
Abantu abanentshisekelo bangaxhumana nelinye lamabhange abambe iqhaza, okuyi- Absa, Ithala, i-Standard Bank noma uMnyango Wezokuthuthukiswa Komnotho Nezokuvakasha KwaZulu-Natali.
Iminingwane yokuxhumana
uJabu Mngoma
UMnyango Wezokuthuthukiswa Komnotho Nezokuvakasha KwaZulu-Natali
Ucingo: (033) 264 2500
I-imeyili: mngomab@kznded.gov.za
270 Jabu Ndlovu Street, Pietermaritzburg, 3201
uMuntu Dube
UMnyango Wezokuthuthukiswa Komnotho Nezokuvakasha KwaZulu-Natali
Ucingo: (033) 264 2500
I-imeyili: dubem@kznded.gov.za
270 Jabu Ndlovu Street, Pietermaritzburg, 3201
I-website: www.kznded.gov.za
I-NHLANGANO KAZWELONKE YOKUTHUTHUKISA (i- NDA) 
Kuyobhekelwa kuqala ukwesekwa kwezinhlangano zemiphakathi 
(ama - CBO) kanye nezinhlangano ezingekho ngaphansi kukahulumeni 
(ama- NGO) emizamweni yazo yokwakha amathuba ezindlela ezisimeme zokuthola ukudla kanye nokuzuza imali emakhaya ahlwempu emiphakathi encisheke amathuba.
Izinhlosongqangi kanye nezindlela ezilandelwayo ukuthola uxhaso lwemali
◆  Umfakisicelo kumele kube yinhlangano eyi-NGO noma i-CBO engenzi nzuzo, 
ebhaliswe  njengeNkampani engaphansi kweSigaba 21 noma inhlangano ebhekele   ezezimali engenzi nzuzo kwiRejista Yezinkampani yaseNingizimu Afrika noma ebhalwe njengenkampani yomphakathi eMnyangweni Wezokuthuthukiswa Komphakathi.
◆  Ikomkhulu lomfakisicelo kumele libe seNingizimu Afrika futhi kube nguye
obhekele ukwenziwa kwamalungiselelo kanye nokuphathwa komklamo,
angasebenzi njengebamba.
◆  Umfakisicelo kumele abe nemithombo yezezimali ezinzile neyanele  
ukuqinisekisa ukuqhubeka kwenhlangano yakhe kuze kuphele umklamo futhi,
uma kunesidingo, abambe iqhaza ekuxhaseni ngezimali.  
◆   Umfakisicelo kumele abe nesipiliyoni futhi akwazi ukukhombisa amandla okukwazi kuphatha isilinganiso somsebenzi esivumelana nobungako bomklamo ocelelwa isibonelelo.
◆  Abafakizicelo bangasebenza ngabodwana noma basebenze 
ngokuhlanganyela nezinhlangano abasebenzisana nazo.
◆  Imisebenzi kumele iqinise impilo, ukuvikeleka kanye nokuzethemba emakhaya
ancisheke amathuba ngokuthi idale amathuba okuthuthukiswa kwezomnotho,
futhi idale nezindlela ezisimeme zokuthola ukudla emakhaya.
◆  Kuzobhekwa kakhulu kuleyo miklamo evulela amathuba okukhuliswa komnotho 
womphakathi kubantu besifazane, intsha, izingane kanye namakhaya anabantu
abaphila nokukhubazeka noma ne–HIV/AIDS.
◆  Iziphakamiso kumele zifake imisebenzi yokuthuthukiswa kwamakhono kanye
nokwedluliselwa kwamakhono ukuhlomisa ngamandla imiphakathi eyayincisheke
amathuba
◆  Isilinganiso esiphansi sesamba esingatholwa ngumklamo ngamunye =R750,000
bese kuthi isilinganiso esiphezulu sesamba = R1,800,000. 
◆  Isibonelelo angeke seqe ama-90% esamba esifanelekile sezindleko zomklamo.
Imali esele kumele ithathwe kwizinsizakusebenza zomfakisicelomali
noma asebenzisana nabo noma ithathwe kweminye imithombo ngaphandle 
kwesabelomali seNhlangano Kazwelonke Yokuthuthukisa.
◆  I- NDA izobhekela ukuxhasa ngezimali imiklamo engenisa imali emikhakheni
yobuchwepheshe: uwoyela osemqoka, ukufuya izimbuzi, ukukhiqiza uju lwezinyosi,imiklamo ephathelene nezitshalo nezilwane ezinhlobonhlobo ngokwamandla  amanye, ezokuvakasha ezithinta amasiko, imisebenzi yezandla kanye nemiklamo yokubuyiselwa komhlaba. Kuzogxilwa kakhulu ezindleleni eziya empumelelweni ezingaphinde zisetshenziswe kwezinye izindawo kodwa kwenziwe ushintsho oluncane 
Ulwazi oludingekayo
Kudingeka lolu lwazi olulandelayo, luhambisana nefomu lokufaka isicelo:
◆ Imithetho yenhlangano kanye/noma iMibhalo Yenhlangano yaleyo nhlangano efake isicelo kanye neyalabo esebenzisana nabo ngabanye (uma bekhona)
◆ Umbiko wonyaka wakamuva kanye /noma ama-akhawunti omfakisicelo
◆ Ikhophi yokubhalisa ngaphansi kweSigaba 21 kanye/noma ukuBhalisela ukuba 
yi- CBO eMnyangweni Wokuthuthukiswa Komphakathi.
Kudingeka le mibhalo elandelayo emiklamweni engenisa imali:
◆  Ipulani yebhizinisi enohlelo lokumaketha futhi enezilinganiso eziqondile zezindleko kanye nokungena nokuphuma kwemali  
◆  Izincwadi zokweseka eziphuma kwababambisene nabo kanye/noma kwabaxhasile
njengamanje.
Yonke imiklamo kumele ibhekwe ngaphansi kohlelo olunqala lokucophelele nosebenza ngenkuthalo, ngale kokubheka isamba semali ecelwe kwi-NDA.
Uhlelo lokufaka isicelo
◆  Izimemezelo zeziphakamiso kanye nezinsuku eziyiminqamulajuqu yokuthunyelwa kwamafomu ezicelo zivamise ukukhangiswa kwabezokwazisa.
◆  Amafomu okufaka isicelo angatholakala ku- NDA noma kwi- website yayo.
Imininingwane yokuxhumana
uXolani Zungu
Ucingo: (031) 305 5542
Ifeksi: (031) 305 5140
I- imeyili: kznregion@nda.org.za
I-website: www.nda.org.za
ISIKHWAMA SIKAZWELONKE SOKUHLOMISA NGAMANDLA (NEF)
I- NEF, njengenhlangano yoMnyango Wezohwebo Nezimboni (DTI), yasungulwa  nguMthetho Wesikhwama Sikazwelonke Sokuthuthukisa No. 105 we– 1998 ukugqugquzela nokwenza lula ukulingana kwabamnyama kwezomnotho kanye nasekuletheni izinguquko.  Igunya kanye nempokophelo yayo ukuletha uguquko ohlelweni Olubanzi lokuHlomisa Ngamandla Kwezomnotho Abantu Abamnyama (Broadbased Black Economic Empowerment)(BB-BEE).
Inezikhwama zezimali ezahlukene ezikhona ukusiza ama–SMME. 
Izinhlelo zezezimali kanye nezindlela ezilandelwayo zokuthola uxhaso lwemali
I- Imbewu Fund 
Lesi sikhwama sakhelwe ukugqugquzela ukusungulwa kwamabhizinisi amasha kanye nokuhlinzekelwa kokukhulisa imali yokuqalisa ibhizinisi emabhizinisini asasesigabeni sokuqala. Sihlose ukugqugquzela isiko lobubhizinisi ngokunikezela ngemalimboleko, imali eyisabelo enkampanini nemali etholakala kubatshalizimali engafinyelela kuma- R20 million equkethe:
◆ Imali yokuqalisa ibhizinisi kumabhizinisi amasha
◆ Imali yokukhulisa ibhizinisi kumabhizinisi amancane avele ekhona 
◆ Ukuxhasa ngemali izinkontileka zokuthengwa kwempahla ngokucatshangelwa kuqala kwababencisheke amathuba phambilini
◆ Ukuxhasa ngemali imiklamo yokuthuthukisa imiphakathi kanye nezindawo 
zasemakhaya ngemihlomulo yokufukula imiphakathi – amaqembu 
emiphakathi, kuhlanganisa nemiphilandawonye, ingafaka izicelo. 
◆ Ukuxhasa ngemali ukusebenza kwamabhizinisi ahweba ngaphansi kwegama lenye inkampani.
Uxhaso Lwe- Imbewu Lwemali Yokuqalisa Ibhizinisi,  I- Imbewu Enterpreneurship Finance (imali yokuqalisa ibhizinisi eyingcuphe)
◆ Umfakasicelo we -BEE kumele kube ngumuntu obandakanyeka ngokugcwele
ebhizinisini
◆ Isilinganiso esiphansi sobunikazi kubantu abamnyama ngama-50.1% 
◆ lsipiliyoni kwezezimboni ezinkampanini ezisebenza ngokuhlanganyela 
◆ Kuyisibopho ukubamba iqhaza ohlelweni lwe-NEF lokwelulekwa  
◆ Kumeleuhlaka lwemali yokuqalisa ibhizinisi lube ngolisimeme – i-NEF kumele
Ihlinzekele ukushoda kwemali yokuqalisa ibhizinisi yisabelo
◆ Ibhizinisi elinegalelo elibonakalayo nohlelo lwebhizinisi oluzinzile 
◆ Ibhizinisi kumele libe okungenani nabantu abayisihlanu  
◆ Isilinganiso esiphezulu soxhaso lwemali lwe–NEF ngama-R5 million 
◆ Isikhathi sokutshalwa kwezimali se–NEF siyiminyaka eyisi-5 kuya kweyisi-7
◆I-NEF iyobhekana nemali eyandulela intela ye-IRR engama-12% kuya kuma-18%
Uxhaso Lwe- Imbewu Lwemali Yokuthengwa Kwempahla (imalimboleko), i- Imbewu Procurement Finance
◆ Ikakhulu isidingo sesikweletu sesikhathi esifushane kuya 
kwesimaphakathi nendawo
sana nemigomo yesivumelwano 
◆Uxhaso lwemali lugcina kuma - R10 million
◆ Ukubandakanyeka okubonakalayo kwe- BEE kwezokuphatha
◆Isilinganiso esiphansi sobunikazi babamnyama singama-50.1% 
◆ Ulwazi kwezezimboni ohlakeni lwezokuphathwa kwababolekayo
◆ I-NEF izofuna olunye uxhaso lwemali ebhange lwezokuhwebelana ukuze inciphise
izimo ezibucayi 
◆ I- NEF inelungelo lokubophezela abafakizicelo ukuba babambe iqhaza ohlelweni
lokwelekelela 
Uxhaso Lwe- Imbewu lwemali Yebhizinisi lokuhweba ngaphansi kwegama lenye inkampani, i- Imbewu Franchise Finance
◆ I- NEF inokukhetha ukuxhasa ngemali amabhizinisi ahweba ngaphansi kwegama
lenye inkampani ezingama-40 kusuka phezulu ohlwini
◆ Ukubamba iqhaza okubonakalayo kwezinhlangano ze- BEE
◆Isilinganiso esiphansi sobuninimasheya ku-BEE singama-50.1% 
◆ Isivumelwano sebhizinisi siyohlelwa ngokomumo wemali yokuqalisa ibhinisi okuzinzile, i- NEF iyobe isivala igebe lokushoda kwemali etholakala kubatshalizimali  
◆ I-BEE iyobe isithola ilungelo langaphambi kwesivumelwano lokusebenzisana nomnikazi wenkampani okuhwetshwa ngaphansi kwegama layo
◆Uxhaso lwemali lwe – NEF ngokuvamile lugcina kuma - R5 million
◆I-NEF izobhekana nemali eyandulela intela ye-IRR engama-12% kuya kuma-15%   
◆ Isikhathi sokutshalwa kwezimali se–NEF siyiminyaka eyisi- 5 kuya kweyisi–7 
Imiklamo yezindawo zasemakhaya kanye neyokuthuthukisa umphakathi
◆ Ukubandakanyeka kwezimenenja ezimnyama ezingeni eliphezulu lokusebenza
◆ Ukubonakala kokuba khona kwabatshali zimali abamnyama ezingeni lebhodi,
kuhlanganisa nabesifazane 
◆ Ukubaluleka kobunikazi kwezisebenzi ezimnyama
◆ Ukusebenza ngokuhlanganyela phakathi kwabamnyama
nabangemnyama 
◆ Isilinganiso esiphansi sobuninimasheya be-BEE singama-50.1% 
◆ I-NEF izotshala imali isebenzisa isikweletu, amasheya, imali eyisabelo enkampanini kanye nemali etholakala kubatshalizimali 
◆ I-NEF izobhekana nemali eyandulela intela ye-IRR engama-10% kuya kuma-12%
◆Uxhaso lwemali lwe – NEF ngokuvamile lugcina kuma-R20 million
◆ Isikhathi sokutshalwa kwezimali se - NEF siyiminyaka eyisi–7 kuya kweyi-10   
Corporate Fund
Lesi sikhwama samabhizinisi sakhelwe ukwenza ngcono indlela yokuthi ama-BEE afinyelele emalini yokuqalisa ibhizinisi kanti sinezinhlelo ezintathu: Imali Yokuthenga, Imali Yomklamo kanye neMali Yokwandisa Ibhizinisi.
Imali yokuthenga 
Lolu hlelo ngolwama–BEE afake izicelo afuna ukuthenga amasheya emabhizinisini avele ekhona kanti luhlinzeka ngoxhaso lwemali esuka ema-R5 million kuya
kuma– R100 million.
Izinto ezisemqoka yilezi:
◆ Izinkampani ezimaphakathi nendawo kuya kwezinkulu
◆ Ukusebenzisana namathimba abaphathi kanye nabanye abatshalizimali
ngokuthenga amasheya
◆ Isilinganiso esiphansi sobunikazi be-BEE obungaba ngama-25.1% emva
kokuba i-NEF itshale izimali kanye nokubamba iqhaza okubonakalayo kwe-BEE
kwezokuphatha 
◆ Ukubandakanyeka okubonakalayo kwe-BEE ezinkampanini zabatshalizimali 
◆Ukufaka isandla kwezezimali kwe –BEE okunqunywa ngokwesimo
◆Izinto ezisetshenziswayo ekutshaleni izimali zihlanganisa izikweletu, izimali ezitholakala kubatshaliimali kanye ne-mezzanine finance ukweseka i- BEE, i-NEF inelungelo lokubophezela umfakisicelo ukuba abe yingxenye yohlelo lokufundisa ngokweluleka lwe-NEF
◆Isilinganiso sesikhathi sokutshalwa kwezimali okungaba yiminyaka e-4 kuya
kweyisi - 7
◆Isibambiso siyofaka ukubambisa ngomuntu uqobo.
Imali yomklamo
Lolu hlelo luhlinzeka ngemali yokuqalisa ibhizinisi engama-R 5 million kuya kuma-R25 million umklamo ngamunye we-BEE, imiklamo yamasimu emaphakathi nendawo ngobukhulu enezidingo zoxhaso lwemali oluyisamba esiphakathi kwama-R 10 million kanye nama-R20 million.
Izinto ezisemqoka yilezi:
◆ Isilinganiso esiphansi sobuninimasheya ku-BEE esingama-25.1% 
◆ Izinto ezisetshenziswayo ekutshaleni izimali zihlanganisa izikweletu, izimali ezitholakala kubatshaliimali kanye ne-mezzanine finance ukweseka i- BEE 
◆ Ukufaka isandla kwezezimali kwe-BEE kunqunywa ngokwesimo 
◆  Ukungenelela kwe – NEF emklamweni akumele kube ngaphezu kwama-50%
ezindleko zomklamo seziphelele 
◆  Isipiliyoni kwezokuphatha esiqinisekisiwe ebhizinisini elisebenza ngokuhlanganyela 
◆Ukubandakanyeka okubonakalayo kwe-BEE ezinkampanini zabatshalizimali 
◆ Ukusiza ngezimali ezitholakale emakethe ukuhambisana noxhaso lwezimali ezitholakale kubatshalizimali oluhlinzekwe yi –NEF kanye nabanye abaxhasi bemiklamo
◆ Uxhaso lwezimali lwe – NEF lugcina kuma- R25 million
◆Isikhathi sokutshalwa kwezimali se - NEF siyiminyaka eyisi–7 kuya kweyi-10
◆Isibambiso siyofaka ukubambisa ngomuntu uqobo.
Imali yokwandisa ibhizinisi
I- NEF izohlinzeka ngoxhaso lwemali engama-R5 million kuya kuma– R100 million ezinhlakeni esezivele zihlomile ngabamnyama ezidinga imali yokwandisa ibhizinisi ukuze likhule.
Izinto ezisemqoka yilezi:
◆Izinto ezisetshenziswayo ekutshaleni izimali zihlanganisa izikweletu, izimali ezitholakala kubatshaliimali kanye ne-mezzanine finance ukweseka i- BEE 
◆ Ubuninimasheya be-BEE kumele bube nesilinganiso esiphansi sama–25.1%
◆ Ukufakwa kwentengo kuya ngethuluzi elisetshenziswayo, ubucayi besimo, inhlanganisela yezinto ezisetshenziswa njengezibambiso, njll.
◆ Isilinganiso sesikhathi sokutshalwa kwezimali okungaba yiminyaka e-4 kuya
kweyisi - 7
◆ Ukubandakanyeka okubonakalayo kwe-BEE ezinkampanini ezitshala izimali
◆Isibambiso esifaka ukubambisa ngomuntu uqobo.
Izindlela ezilandelwayo ukuthola uxhaso lwemali 
Izimfanelo zokufaka isicelo soxhaso lwemali ziyofaneleka:
◆Ngokwemphumelelo yomklamo kwezokuhweba 
◆Ngokokuhambisana nayo yonke imithetho nemithethonqubo efanele  
◆Ngokubandakanyeka kwabamnyama kwezokuphatha kanye nasekusebenzeni 
◆Ngobungako bobunikazi babamnyama kumbe intshisekelo yabo ngokwamaphesenti  
◆Ngokwenzuzo emalini etshaliwe 
◆Ngokudaleka kwamathuba emisebenzi 
◆Ngokwendawo lapho likhona ibhizinisi (emakhaya/edolobheni/endaweni encisheke
amathuba)
◆Ngokuhlomisa ngamandla abesifazane abamnyama 
◆Ngokubandakanyeka komphakathi
◆Ngokuba khona kwamathuba okuthola uxhaso lwemali (emkhakheni kahulumeni
nowamabhizinisi azimele).
Imininingwane yokuxhumana
uNthato Makhubo (uMeluleki Womkhiqizo)
Ucingo: (011) 305 8000
Ifeksi: (011) 305 8001
I – imeyili: Info@nefcorp.co.za
I-website: www.nefcorp.co.za
I- NEDBANK
Ukwesekwa nokuthuthukiswa kwama –SME
I-Nedbank iyaqonda ukuthi ama – SME adlala indima ebalulekile ekudalweni kwamathuba emisebenzi, ekwenzeni imali engenayo kanye nasekukhuliseni umnotho wezwe. Siyazi futhi ngezingqinamba ezivimbela ukukhula nokuthuthuka kwama–SME.  I-Nedbank inezingxenye zobungoti ezinengqalasizinda efanele kanye nohlobo lomsebenzi ukwelekelela ama-SME asafufusa kusukela esaqala amabhizinisi kuze kube adlula izigaba ezahlukahlukene zomjikelezo wempilo yebhizinisi.
Noma ngabe yimali yokusungula ibhizinisi kumbe izinsiza zezivumelwano zebhizinisi eziguqulekayo ezenza kube lula ukuphatha ibhizinisi nsuku zonke, i- Nedbank inohlu lwezinhlelo ezinhlobonhlobo kanye nemisebenzi yebhizinisi equkethe konke futhi ibhekela zonke izidingo.  Lokhu kuhlanganisa iziphakamiso zezimboni ezithinta ibhizinisi lokuhweba Ngaphansi Kwegama Lenye Inkampani, Ezokuvakasha, Ezolimo, Umkhakha Kahulumeni kanye Nokuthuthukiswa Kwamabhizinisi.
Izinhlelo zezezimali kanye nezindlela ezilandelwayo ukuthola 	uxhaso lwemali 
Usizo lwezezimali
Ibhizinisi Lokubhenka le-Nedbank linendlela ehlukanisayo yokubolekisa ngemali engabhekela izidingo ezinhlobonhlobo zosomabhizinisi kanye namabhizinisi.  Izicelo zokwebolekisa ziya ngokwemigomo yokuhlinzeka ngokufinyelela kalula emalini yokwebolekwa kwamabhizinisi asafufusa nalawo asathuthuka 
Imisebenzi etholakala mahhala ukuqhakambisa ibhange 
◆ Ukubhenka mahhala emabhizinisini asaqala angenisa imali engafinyelela 
ema-R7. 5 million ngonyaka 
◆ Ukubhalisa ibhizinisi ngohlelo lwe-Swiftreg
Ukwesekwa kwezamabhinisi, ukufundiswa ngokwelulekwa, ukuqeqeshwa kanye nokuthuthukiswa kwamakhono
Ibhizinisi Lokubhenka le-Nedbank linikezela ngezinhlelo ezimanyaniswe ne- NQF kanye/ noma ngezinhlelo ezivunyiwe zokuqeqeshwa ezindaweni ezehlukene.  Ingxenye enkulu yalokhu yengeza ngokusiza kwezokuqeqesha, izingqungquthela kanye nasezinhlelweni zokusebenzisana zamasu okusebenza okusinika indlela yokufinyelela kubeluleki kanye nongoti abanamakhono emikhakheni ehlukene.
I-Nedbank izinikele ekudaleni isimo esizokwazi ukuhlinzeka ngethuba lokuthi ibhizinisi lisimame, lakhe amathuba emisebenzi ezweni.
Izindlela ezilandelwayo ukuthola uxhaso lwemali 
◆ Umqondo webhizinisi nohlobo lwebhizinisi elingenzeka nelingaphumelela  
◆ Ipulani yebhizinisi equkethe konke 
◆ Ithimba labaphathi abanesipiliyoni nobungoti
◆ Ukubonakalisa ukufaka isandla ekudalweni kwamathuba emisebenzi kanye
nekhono lokukwazi ukunweba nokukhulisa 
◆ Ukuqhamuka neyakho ingxenye ozoyifaka
Imininingwane yokuxhumana 
uThulani Khumalo
Ucingo: (031) 251 6400
I-samaf
I-samaf yisikhwama esikhulu esinikezela ngemali yaso ngokusebenzisa abelekeleli kwezezimali zokudayisa (ama-RFI). Igama elithi “abelekeleli kwezezimali” lisho uhlu lwezinhlobonhlobo zezikhungo zezezimali ezizinikele ekuhlinzekeni ngemisebenzi yezezimali yomthamo omncane emakhaya anamabhizinisini nalawo asebenzayo kodwa ehlwempu.  Ifaka nezinhlangano ezingekho ngaphansi kukahulumeni (ama-NGO), imiphilandawonye yokonga nokubolekisa (ama- SACCO), imiphilandawonye yemisebenzi yezezimali (ama-FSC), amabhange emiphilandawonye, amabhange azimele okuhwebelana kanjalo nezikhungo zezemali ezingesiwo amabhange kodwa ezinikezela ngosizo lwemali encane(MFI).
Njengamanje i-samaf isebenza ngezihlobo ezimbili zabelekeleli:
◆ Izikhungo zemiphilandawonye zezezimali (ama-CFI) eziya ngokobulungu ezibandakanyeka emisebenzini yokudiphozithwa kwemalil efakwa ebhange kanjalo nokubolekisa, kanye
◆ Nezikhungo zezezimali ezinikezela ngosizo lwemali encane (ama-MFI) ezibhekele kakhulu ukuhlinzeka ngohlu lwemisebenzi ebhekele abahlwempu, isikweletu esincane (kungathathwa madiphozithi) kumakhasimende azo.
I - samaf inesibopho sokulawula ngomthetho imiphilandawonye yemisebenzi yezezimali esebenza ngaphansi kwendawo echaziwe yesifunda.
Izimalimboleko
Zimbili izinhlobo zezimalimboleko ezinikezwayo kubaphatheli kwezezimali – izimalimboleko zamabhizinisi amancane kanye nezimalimboleko zokuthuthukisa.
Imalimboleko yamabhizinisi amancane inikezwa abelekeleli kwezezimali ababolekisa kwabahluphekayo ukuze bakwazi ukwakha nokukhulisa amabhizinisi abo amancane abaziphilisa ngawo.
Izimalimboleko zokuthuthukisa ziqondene nama – FSC kanye nama – MFI ekuqhubekeni nokubolekisa ngemali kumakhasimende (anemiholo wasekhaya wanyanga zonke we- R1,500 nangaphansi). Amakhasimende angasebenzisa izimalimboleko zokuthuthukisa ezibolekisayo ukukhokha izimali zesikole, izimali zokuzelapha kanye nokwenza ngcono amakhaya.
Imihlomulo yokuthuthukiswa kwamakhono kanye nezindlela ezilandelwayo ukuthola uxhaso lwemali
I- samaf ihlinzeka ngemihlomulo yokuthuthukiswa kwamakhono kuma – FSC
nama–MFI ukwandisa umthamo webhizinisi ukuqinisekisa ukuthi amakhono, izinhlelo kanye nengqalasizinda edingekayo iyatholakala ukuze asebenze nendlela eyiyo. 
Ukuthuthukiswa kwamakhono kwehlukaniswe kwaba yilezi zingxenye ezilandelayo: 
Izikhwama zokuqeqesha
Lokhu kuhloswe ngakho ukuhlinzeka ngezinhlelo zokuqeqesha kanye nokwenziwa ngcono kwamakhono ebhodini, kubaphathi kanye nezisebenzi zama-FSC nama–MFI ukwelekelela ekuphatheni iqoqo lezimalimboleko ngempumelelo nangendlela eyiyo. Ukuqeqeshwa kuhlinzekwa ezindaweni ezifana nokuphatha ngokubambisana, ukuphathwa kwezimali kanye nokuphathwa kwezimo zobugebengu kwimalimboleko 
Imali yokusebenza yokuqalisa ibhizinisi
Abelekeleli kwezezimali abafanelekile bazobuye bathole imali yokusebenza yokuqalisa ibhizinisi ekhishwa kanye.  Lokhu kuhlose ngakho ukusiza izikhungo zikwazi ukuthenga impahla enjengefenisha yasehhovisi, amakhompuyutha kanye nezinye izimpahla ezisemqoka ukwenza ngcono ubungcweti bezikhungo
Izindleko Zokusebenza
I - samaf ixhasa ama-MFI ngemali yezindleko zokusebenza ukuze iwasize ukuhlangabezana nezinye zezindleko zokusungula kanye nokukhuthaza ukusimama kwawo.  Lo mxhaso kumele ubuye usize izikhungo ezisuke zisazabalaza emva kokusungulwa ngaphambi kokufinyelela esimweni sokungenzi nzuzo kanye nesokusimama.
Uhlelo Lolwazi Kwezokuphatha (MIS) 
Isikhwama se – MIS kuhloswe ngaso ukusiza nokweseka izikhungo ukuze zithole 
i- MIS yesimanje ukuhlinzeka ngolwazi oluyiqiniso noluthembekile. Lokhu kusemqoka ukuqinisekisa ukuthi imininingwane yekhasimende ngalinye iyiyo futhi nokusebenza kwemalimboleko yalo kugcinwa futhi kusetshenziswa ngabelekeleli njengendlela yokuqapha 
Ukugqugquzela ukongiwa kwemali
Lolu hlelo kuhloswe ngalo ukusiza nokweseka abelekeleli ukuze bakwazi ukukhulisa ibhuku labo lokonga imali lemisebenzi yokubolelekisa ngemali. Lokhu futhi kungukufaka isandla enhlosweni kahulumeni yokukhuthaza isiko lokonga imali kubantu baseNingizimu Afrika.
Izindlela ezilandelwayo ukuthola uxhaso lwemali
Izikhungo Zezezimali Zemiphilandawonye (ama -CFI)
◆ Kumele zibe kade zisebenza okungenani izinyanga eziyi – 12
◆ Kumele zibe nesilinganiso esiphansi sobulungu bamalungu angama- 200
◆ Kumele zibe nebhuku lokonga elinemali elinganiselwa ema– R100, 000
◆ Kumele zibe nebhuku lesilinganiso esiphansi samasheya enani lama– R20, 000
(Kungabikho nalinye ilungu elinamasheya engaphezu kwama– 10%)
◆ Kumela zibe neBhodi Labaqondisi elisebenza ngokugcwele, eliqinisekiswa
ngamaminithi emihlangano
◆ Kumele zibe noMthethosisekelo obhaliwe
◆ Kumele zibe nendlela yokuphathwa kwama-akhawunti kwanyanga zonke
okwesekwe yizitatimende zasebhange
◆ Kumele zibe nobufakazi bokubhalisa kuMbhalisi Wemiphilandawonye
◆ Kumele zibe nobufakazi bokubhalisa ngokoMthetho Kazwelonke Wezikweletu,
lapho kufanele khona
◆ Kumele zihambisane nemithethonqubo yokuthathwa kwamadiphozithi  
Izikhungo zezezimali ezinikeza usizo lwemali encane
◆ Kumele zibe kade zisebenza okungenani izinyanga eziyi – 12 
◆ Kumele zibe nesilinganiso esiphansi sezimalimboleko ezithathiwe ezikhona esingama-500 noma  ibhuku lezimalimboleko yama- R500 000
◆ Kumele zibe neBhodi Labaqondisi elisebenza ngokugcwele
◆ UMqondisi Ophethe kumele abe nesipiliyoni esingeho ngaphansi kweminyaka
emihlanu noma irekhodi elilandelekayo kwezokubolekisa ngemali
encane kanye/noma ezimbonini zama-SMME
◆ Okungenani mazibe nezitatimende zezezimali zonyaka owodwa ogcwele
ezicwaningiwe
◆ Kumele zibe Yinkampani eyi- (Pty) Ltd noma engaphansi kweSigaba 21
◆ Ubufakazi bokubhalisa ngokoMthetho KaZwelonke Wezikweletu, lapho
kufanele khona.
Qaphela: Ama -CFI afaka nama - FSC, ama- SACCO, Izinyunyana Zezikweletu kanye Namabhange Asemadolobheni Amancane.
Imininingwane yokuxhumana
uThanda Madlala (iMenenja Yesifundazwe)
Ucingo: (031) 309 5850
Ifeksi: (031) 309 5893
I-imeyili: thandam@samaf.org.za
I-website: www.samaf.org.za
Ikheli : 127 Johannes Nkosi (Alice) Street, SEDA eThekwini Building, Durban 4001
STANDARD BANK
Izindlela ezilandelwayo ukuthola uxhaso lwemali ye- SMME
◆ Ofaka isicelo kumele abe yi- BEE SMME
◆ Ukusebenza okukhulu kwebhizinisi kumele kubhaliswe KwaZulu -Natali  
◆ Ukulawulwa kwamasu okusebenza asebenza ngendlela kanye nokuphatha kumele kwenziwe ngumnikazi webhizinisi, abambisene naye, ilungu noma umninimasheya onentshisekelo yokulawula
◆ Inhloso yokwenza inzuzo kanye nokuphumelela kwezomnotho
◆ Umfakisicelo kumele abe ngowaseNingizimu Afrika futhi abe nentshisekelo
yokulawula 
◆ Isilinganiso esiphansi semali engafakwa nguye ama – 2.5% 
(ama–R2500 ngama – R100 000) 
◆ Ingxenye yemali efakwayo imele ihlolwe ngokokufaneleka kwesicelo
kanti futhi ingayekwa 
◆ Isilinganiso esiphansi sesamba semalimboleko – R100, 000
◆ Isilinganiso esiphezulu sesamba semalimboleko - R3 million
I- SMME evele ikhona
◆ Ukuphumelela okuqinisekiswe ngokuba khona kwezitatimende ezicwaningiwe
Zezezimali noma zezokuphatha 
◆ Ipulani yebhizinisi
Ukusungula
◆ Ukukhombisa ukukwazi ukuba nempumelelo ngokuba nepulani yebhizinisi enayo yonke imininingwane, izilinganiso zokungena nokuphuma kwemali zezinyanga eziyi-12 ezinokulindelekile 
Izibambiso Ezidingekayo
◆ Isivumelwano Semali Yesakhiwo (i- Bond) Esiqinisekiswe nguHulumeni waKwaZulu-Natali 
◆ Ukuyekelwa kwezimali zeziNkontileka Zezakhiwo/zoMhlaba cession 
◆ Ukuba nelungelo ezimpahleni ezigudluzekayo ezakha umkhiqizo exhaswe ngemali (GNB) 
◆ Ukuqinisekisa ngesibambiso esingababambiqhaza abasemqoka
◆ Okunye okungafakwa ngokuthanda: Umshuwalense wempilo yomuntu
Uhlelo lokufaka isicelo
Abafakizicelo abadinga ukuthola izimali kuyodingeka baye egatsheni eliseduze nabo bakhulume nomelekeleli kwezamabhizinisi. Kudingeka lolu lwazi olulandelayo:
Ipulani yebhizinisi
◆ Imininingwane efana nohlobo lwebhizinisi, imikhiqizo enikezelwayo, isimo sezezimakethe kanye namakhono okuphatha
Ulwazi lwezezimali
◆ Isitatimende somuntu sezimpahla kanye nezikweletu zabo bonke
abasebenzisanayo, amalungu kanye nabaqondisi
◆  Okulindelekile mayelana nokungena nokuphuma kwemali
◆ Isilinganiso maqondana nemali engenayo kanye nezindleko 
◆ Isamba nomthombo wengxenye efakwe ngumnikazi webhizinisi noma isabelo ebhizinisini
◆ Lizoyisebenzisa kanjani imali ibhizinisi? Isibonelo, izindleko zemali yokuqalisa
ibhizinisi noma imali yokwenza umsebenzi 
◆ Izabelomali zokuthenga nokuthengisa
Imibhalo edingekayo uma uthenga ibhizinisi elivele likhona
◆ Ikhophi yencwadi yesivumelwano sokudayiselana kumbe uhlaka lwaso
◆ Uhlaka noma isivumelwano esisayiniwe sokuqashiselana ngesakhiwo
Ulwazi ngesibambiso
◆ Imininingwane yesibambiso esihlongoziwe noma esinikeziwe
Izidingo ezengeziwe uma unebhizinisi elikhona ebeligcina imali yalo kwesinye isikhungo
◆ Isitatimende sezezimali sebhizinisi
◆ Isitatimende sasebhange sezinyanga ezintathu
◆ Incwadi yezimfanelo evela ebhange okulo
◆ Imininingwane yesibambiso esigcinwe yibhange okulo
Imininingwane yokuxhumana
uDeena Naidoo
Ucingo: (031) 374 2200
Ifeksi: (031) 374 2009
Iselula: 083 555 0557
I-imeyili: Deena.naidoo@standardbank.co.za
I-website: www.standardbank.co.za
