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🚀 Now accepting clients across all of South Africa  ·  Book your free discovery call →

Trusted SME Financial Partner · Johannesburg, SA

Where SA SMEs
Come to Grow
& Get Funded

Full-stack financial advisory for South African SMEs — combining SARS compliance, funding facilitation from SEFA, NEF & banks, and growth strategy into one seamless ecosystem.

No upfront commitment  ·  24-hour response  ·  SA-based team
Get Your Free Funding Readiness Score
Takes 90 seconds. No commitment required.

🔒 Your information is private and never shared.

2.5M+
SA SMEs underserved
<10%
Funding approval rate
R800B
Annual funding gap
R40B+
Govt capital available
🏦 SEFA · NEF · IDC · DSBD Access
📋 SARS Registered & Compliant
☁️ Xero & QuickBooks Cloud
🔒 POPIA Compliant
🤝 CIPC Registered Entity

Six services. One ecosystem.
Everything your SME needs to grow.

Each service builds on the last — creating a compounding financial relationship that takes your business from first diagnostic to fully funded and scaling.

🔍
Stage 01

Financial Diagnostics

A comprehensive financial health check covering 12–36 months of history, compliance gaps, and a 25-40 point Funding Readiness Scorecard to show exactly what stands between you and capital.

R1,500 – R3,000 once-off
Enquire about this →
📊
Stage 02

Compliance & Foundation

Monthly bookkeeping, PAYE, VAT, and SARS returns. Payroll management, management accounts (P&L, balance sheet, cash flow). The recurring engine that keeps you fundable and penalty-free.

From R2,500/month
Enquire about this →
💰
Stage 03

Funding Facilitation

Funder matching across SEFA, NEF, IDC, DSBD, commercial banks, angel investors, and ESD programmes. Full pitch deck, financial models, and application management. We only earn when you do.

3–5% success fee only
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📈
Stage 04

Growth Advisory

Market research, ROI & feasibility analysis, 3-year strategic planning, operational improvement, and pricing strategy. Once your capital is secured, we help you deploy it for maximum impact.

R10,000 – R50,000/project
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🤝
Stage 05

SME Community & Coaching

Monthly 1-on-1 coaching sessions, an SME community platform, financial literacy resources, networking, e-learning tools, and automated reporting dashboards. Stay sharp as you scale.

R1,000 – R2,000/month
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🚀
Full Package

Full Ecosystem Partner

All six services in one integrated relationship. From diagnostic through compliance, funding, advisory, and long-term retention — Growthfin becomes your outsourced financial department.

Custom pricing — book a call
Discuss full package →

How the journey works

A structured, transparent process that takes your business from where it is today to where you need it to be — fundable, compliant, and scaling.

1

Free Discovery Call

We spend 30 minutes understanding your business, your goals, your sector, and your funding ambitions. Zero obligation.


Free · No commitment
2

Financial Diagnostic

We audit your last 12–36 months, score your funding readiness on 25–40 criteria, and hand you a detailed roadmap with costs and timelines.


R1,500 – R3,000
3

Compliance Setup

We fix the gaps — SARS, bookkeeping, payroll, management accounts. Monthly retainer. You always know your numbers.


From R2,500/month
4

Funding Application

We match you to the right funders, build your pitch deck and financials, and manage the entire application. We earn when you win.


3–5% success fee
5

Growth & Advisory

Capital secured. Now we help you deploy it wisely — market entry, operations, strategic planning, team building.


From R10,000/project
6

Long-Term Partnership

Monthly coaching, community, and automated reporting keep you growing long after the first funding round closes.


From R1,000/month
Start Your Journey Today →

Tell us about your business.
We'll take it from there.

Fill in the form and one of our advisors will contact you within 24 hours with a personalised plan — at no charge and no commitment.

24-Hour Response A qualified advisor contacts you within one business day
🎯
Personalised Plan We tailor recommendations to your specific business and sector
💡
No Sales Pressure Honest advice first — you decide if and when to proceed
🔒
100% Confidential Your business information is private and POPIA protected
📍
Serving All of South Africa Digital-first delivery — we work with clients nationwide
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Enquiry Submitted!

Thank you — we've received your details and will contact you within 24 hours.

What happens next?

1
An advisor reviews your business profile and prepares for your call
2
We contact you via your preferred method within 1 business day
3
We discuss your situation, funding readiness, and next steps — at no charge
4
If you choose to proceed, we agree on a scope and begin your diagnostic
Tell us about your business
Basic information so we can prepare a relevant recommendation.
Please enter your business name
Please select years trading
Please select a sector
Please select a turnover range
What do you need help with?
Select all that apply — we'll tailor our recommendation.
Please select at least one service
Within 1 month
Drag to select your preferred start timeline
How should we reach you?
We'll contact you within 24 hours via your preferred method.
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✅ By submitting, you agree that your information will be used solely to contact you about Growthfin's services. We do not share or sell your data (POPIA compliant).
2.5M+
Registered SMEs in South Africa
<10%
SMEs that successfully access funding
R800B
Annual SME funding gap
34%
Of GDP contributed by SMEs

Simple, clear pricing.
No hidden fees.

Our monthly compliance retainer anchors every client relationship. Additional services are scoped and priced transparently upfront.

Starter

Foundation

R2,500/month

For early-stage SMEs needing compliance structure and basic financial management to get organised.

  • Monthly bookkeeping (up to 100 transactions)
  • SARS VAT returns
  • PAYE & EMP201 submissions
  • Basic monthly management report
  • Xero / QuickBooks setup
  • Email support
Get Started →

+ Once-off diagnostic: R1,500

Premium

Full Ecosystem

Custom pricing

For high-growth SMEs needing a complete outsourced financial department and active funding campaigns.

  • Everything in Growth Partner
  • Payroll (unlimited employees)
  • Full funding facilitation management
  • Pitch deck & investor materials
  • 3-year strategic growth plan
  • Quarterly board-level reporting
  • SME community membership
  • Dedicated account advisor
Book a Discovery Call →

Funding success fee: 4–5% · Advisory from R10,000/project

We occupy a space no other
firm in SA currently holds.

The intersection of compliance, funding, and growth advisory — purpose-built for the R1.5m–R50m SA SME market.

🎯

Funding-First Philosophy

Most accountants do compliance. We lead with funding readiness. Every service we provide is designed to make your business more attractive to capital providers — banks, DFIs, and private investors.

🔁

One Partner. Full Journey.

No more briefing your accountant, consultant, and broker separately. Growthfin handles your complete financial lifecycle — from first diagnostic to multi-year growth planning.

💡

Fractional CFO at SME Rates

CA firms charge enterprise rates for part-time attention. Growthfin delivers fractional CFO quality — management accounts, funding strategy, strategic oversight — at SME-appropriate pricing.

📡

Technology-Enabled Delivery

Cloud accounting (Xero, QuickBooks), automated dashboards, and digital onboarding mean you have real-time financial visibility and can work with us from anywhere in South Africa.

🌍

Built for South Africa — Scaling Across Africa

We understand SARS, CIPC, SEFA, NEF, and IDC intimately. Our model is built on deep local knowledge with digital infrastructure designed to serve clients nationally and eventually across SADC. We are your long-term financial partner — not a one-off service provider.

Common questions answered

Everything you need to know before getting started.

Timeline depends on your starting compliance position. For businesses that are already reasonably compliant, we can prepare and submit a funding application within 4–8 weeks. For businesses with compliance gaps, we typically need 2–4 months to establish a clean financial record before applying. During your free diagnostic, we'll give you a specific timeline based on your actual situation.
Our proprietary 25–40 point assessment evaluates your business across criteria that funders actually use: financial history, compliance status, revenue consistency, cash flow health, management accounts quality, collateral, and business plan completeness. At the end, you receive a Low / Medium / High funding probability score with a specific action plan to improve it.
We maintain active relationships with SEFA, NEF, IDC, DSBD, NYDA (for youth-owned businesses), all major commercial banks (FNB, Standard Bank, Absa, Nedbank), private lenders, angel investor networks, and corporate ESD (Enterprise Supplier Development) programmes. We match you to the most appropriate funding source based on your profile, sector, and funding need — not just the most obvious option.
No. Our funding facilitation fee is a success fee only — typically 3–5% of the amount raised, charged only when funds are disbursed. If an application is unsuccessful, you pay nothing for the facilitation. Note that the compliance retainer (separate service) is ongoing regardless of funding outcomes, as it covers the ongoing financial management work.
Yes — this is one of the most common situations we help with. We handle SARS penalty negotiations, overdue return submissions, VAT reconciliations, and PAYE catch-ups. Getting you clean with SARS is often the single most impactful step toward funding readiness, and we have experience managing this process for businesses with significant arrears.
Not at all. We are headquartered in Johannesburg but serve clients across South Africa through our digital-first delivery model. All onboarding, reporting, advisory sessions, and document sharing happen through secure cloud platforms. We meet via video call and communicate through our digital portal — geography is not a barrier.
Our sweet spot is businesses turning over R1.5m – R50m annually. However, we do work with businesses below R1.5m if they have clear growth trajectory or a strong funding use case. We'll be honest with you during the discovery call if we don't think the timing is right — and we'll tell you exactly what to do to get there.

Three partners.
One shared mission.

Our founding team covers business development, compliance, and operations — the three pillars every SME financial firm needs from day one.

BD
Head of Business Development
Funding & Client Acquisition Lead
Leads all client acquisition, funder relationships, and referral networks. Manages end-to-end funding facilitation mandates with SEFA, NEF, IDC, commercial banks, and ESD programmes. The commercial engine of Growthfin.
FC
Head of Finance & Compliance
Technical Financial Lead
Leads all bookkeeping, SARS compliance, payroll management, and financial reporting. Oversees the technical quality of every client engagement and manages all regulatory relationships. Ensures your financials are always audit-ready.
CS
Head of Operations
Client Success & Delivery Lead
Manages daily operations, client onboarding, delivery tracking, and the SME community platform. Ensures every client moves through our ecosystem smoothly and that satisfaction, retention, and lifetime value are maximised.

Your business is ready
for what comes next.

Book a free discovery call. We'll tell you where you stand, what's blocking your funding, and what to do about it — with zero commitment.

Book Free Discovery Call →
Email
info@growthfinadvisory.co.za
WhatsApp
+27 82 790 5898
Based In
Johannesburg, Gauteng
Serving
All of South Africa