Credit has existed for more than 4 000 years.
From farmers in Ancient Mesopotamia borrowing seeds against future harvests to today’s sophisticated private credit markets, one principle has remained constant:
Capital enables economic growth.
Our Two Cent Solutions Q2 2026 Report explores the evolving business of lending and one of the biggest challenges facing South African businesses today: access to capital.
During Q2, we examined:
📊 The continued SME funding gap
🏦 The evolving role of banks, DFIs and alternative lenders
⚖️ The impact of regulation on responsible lending
💰 The challenges of raising institutional capital
🚀 Why private credit is increasingly important to SME growth
🇿🇦 The impact of South Africa’s grey-listing on capital markets
🏪 Our continued focus on township retail, automotive, agriculture, working capital and youth-led businesses
At Two Cent Solutions, we don’t believe the answer is to lower credit standards.
We believe the answer is to build better lending models.
Our objective is to combine disciplined credit assessment, technology and innovative private credit structures to make funding more accessible to businesses that are often underserved by traditional finance.
Because technology shouldn’t be the only thing worth investing in.
Real businesses matter.
Real entrepreneurs matter.
And the real economy matters.
As we enter the second half of 2026, we remain focused on one objective:
Bridging the gap between capital and the businesses that need it to grow.
📖 Read our Q2 2026 Report: The Business of Lending to learn more about our perspective on private credit, SME finance and the South African funding landscape.