THIS IS YOUR BUSINESS GROWTH

FUELLING TOWNSHIP ENTREPRENEURS.

Sawubona! Welcome to SUM1 LOANS, the smartest way to grow your business.

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GROWTH IN MOTION!

SAMKELO’s POULTRY EXPANDING

Thanks to SUM1 Funding.

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YOUR FUNDING PARTNER!

I'M MOO'LA, YOUR FRIEND IN MONEY.

Sawubona! I’m here to help you grow your township business

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About Us

SUM1 began with a bold idea: when everyday people come together, they can invest in their communities creating real impact through growing local businesses and creating jobs where they are needed most. We’ve reimagined the spirit of stokvels into a smart investment platform that allows them to help local businesses grow. Investing for good for the community, by the community. Because with SUM1, the sum of our efforts is greater than one. Together, we grow stronger.

Our Supporters

Investing in What Matters

We channel collective savings into trusted community businesses, giving them the capital to grow. Through 3–12 month asset-backed loans, repayments recycle into new opportunities, multiplying impact. This creates jobs, expands businesses, and strengthens local economies. Every rand invested fuels futures from thriving enterprises. When local businesses succeed, communities prosper.

Business Loan Calculator

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How it works

Sum1 Funds high impact businesses based in township and rural market with a focus on black-owned and youth-led businesses.

  • Step 1
    Apply online with your business information and funding requirements.
  • Step 2
    Stokvels invest with Sum1: Stokvel invests directly into your local businesses.
  • Step 3
    Funds are allocated to your business: Local businesses receive funding to expand their operations
  • Step 4
    Your business repays their loan: As the businesses repay their loan with interest, funds are returned back to stokvels as returns
  • Step 5
    Once a loan is repaid, businesses can request additional funding to unlock more growth.
A visual representation of the workflow process

Why Sum1

  • Designed for township businesses

    Funding tailored for township businesses and the context which they operate.

  • Flexible payments

    Payment terms based on your business cash flow.

  • Funds are backed by your community

    Interest paid flow back to Stokvels - helping them earn a return.

  • Fast funding

    Get access to funds when you need it.

Get a loan tailored for your business.

Funding made simple, fair, and accessible backed by support that understands your business. Get the loan your business needs today

Get the loan you need today

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Sum1 Investments is a regulated Juristic Representative under 8th Season Capital an Authorised Financial Service Provider FSP 53629

Sum1 Loans is a Registered Credit Provider (NCRCP21759)