More than just business funding
At Two Cent Solutions, we help small businesses unlock their potential—through funding, guidance, and growth support. Because when entrepreneurs succeed, communities thrive.
More than just business funding
At Two Cent Solutions, we help small businesses unlock their potential—through funding, guidance, and growth support.
We combine capital, capability and care to help small businesses grow sustainably, and responsibly
Private Credit
Structured, flexible debt solutions for MSMEs by mobilizing privately sourced capital into developmental sectors through structured funding programs.
Private Equity & Structured Investments
Strategic equity investments into scalable, high-impact enterprises.
Transactional Advisory
Bespoke advisory services provided to businesses to strengthen their operational, commercial, and strategic foundations.
Business Development Support
Post investment technical assistance and market facilitation by designing and delivering non-financial SME development programs that focus on strengthening entrepreneurial capabilities and supporting business growth
We combine capital, capability and care to help small businesses grow sustainably, and responsibly
Private Credit
Structured, flexible debt solutions for MSMEs by mobilizing privately sourced capital into developmental sectors through structured funding programs.
Business Development Support
Post investment technical assistance and market facilitation by designing and delivering non-financial SME development programs that focus on strengthening entrepreneurial capabilities and supporting business growth.
Transactional Advisory
Bespoke advisory services provided to businesses to strengthen their operational, commercial, and strategic foundations.
Private Equity & Structured Investments
Strategic equity investments into scalable, high-impact enterprises.
At Two Cent Solutions, we believe that commercial returns and developmental impact can and should coexist.
Our investment philosophy is grounded in disciplined private credit principles, applied with a deep understanding of the realities facing underserved and emerging enterprises.
A simple, transparent application journey for all Two Cent Solutions Funding Programs.
Whether you are a spaza shop owner, automotive SME, supplier-development beneficiary, agri-food enterprise, or creative industry entrepreneur
Our Investment Process
Two Cent Solutions has designed a unified and streamlined application process across all funding programs. Our process ensures fairness, transparency, and fast decision-making, while capturing the data needed to unlock long-term growth.
Step 1: Pre-Screening & Eligibility Check
We start by assessing whether your business meets the minimum criteria for the relevant program. This includes:
Step 2: Application Submission
Eligible applicants are invited to submit full documentation through our online portal or via an accredited partner organisation.
Step 3: Assessment & Due Diligence
Our investment and risk teams conduct a structured evaluation…
Step 4: Investment Committee Approval
All proposals undergo independent review by a committee comprising sector specialists, financial experts, and governance professionals.
Step 5: Contracting & Disbursement
Once approved, TCS issues formal agreements and outlines the exact terms of the facility.
Step 6: Post-Investment Support & Monitoring
TCS funding comes with ongoing support to ensure sustainable growth and compliance.
Step 7: Graduation & Growth Pathways
High-performing SMEs are supported to scale further through…
Step 1: Pre-Screening & Eligibility Check
We start by assessing whether your business meets the minimum criteria for the relevant program. This includes:
Step 2: Application Submission
Eligible applicants are invited to submit full documentation through our online portal or via an accredited partner organisation.
Step 3: Assessment & Due Diligence
Our investment and risk teams conduct a structured evaluation…
Step 4: Investment Committee Approval
All proposals undergo independent review by a committee comprising sector specialists, financial experts, and governance professionals.
Step 5: Contracting & Disbursement
Once approved, TCS issues formal agreements and outlines the exact terms of the facility.
Step 6: Post-Investment Support & Monitoring
TCS funding comes with ongoing support to ensure sustainable growth and compliance.
Step 7: Graduation & Growth Pathways
High-performing SMEs are supported to scale further through…
Step 1: Pre-Screening & Eligibility Check
We start by assessing whether your business meets the minimum criteria for the relevant program. This includes:
Step 2: Application Submission
Eligible applicants are invited to submit full documentation through our online portal or via an accredited partner organisation.
Step 3: Assessment & Due Diligence
Our investment and risk teams conduct a structured evaluation…
Step 4: Investment Committee Approval
All proposals undergo independent review by a committee comprising sector specialists, financial experts, and governance professionals.
Step 5: Contracting & Disbursement
Once approved, TCS issues formal agreements and outlines the exact terms of the facility.
Step 6: Post-Investment Support & Monitoring
TCS funding comes with ongoing support to ensure sustainable growth and compliance.
Step 7: Graduation & Growth Pathways
High-performing SMEs are supported to scale further through…
What makes us different?
Holistic SME Enablement
We offer both capital and capacity, bridging financial and operational gaps simultaneously
Ecosystem-Driven Approach
Partnerships with institutional parters provides SMEs access to markets, mentorship, and affordable credit.
Data-Driven Risk Mitigation
Our proprietary SME credit scoring model evaluates performance, not collateral, improving inclusion while managing risk.
Proven Track Record
- APMMA partnership established an Automotive SME fund, with over 300 SMEs assessed.
- SASTA partnership established a Spaza Credit Fund, with over 3000 SMEs assessed. 70% approval rate for R10 000 credit lines for each spaza.
Our Partners & Clients
FAQs
Sign up and submit your application, that’s all.
It depends on what you deserve
It must be a registered entity with CIPC, Be operational for atleast 6 months, +
Must have a workshop, registered with CIPC