Unlocking Capital for Catalytic SMEs
Our strategic intent is to have a meaningful, positive socioeconomic impact on South Africa's infrastructure delivery by capacitating concessionaires, private project sponsors and SMEs
Property development PPPs
Ports, roads and transport nodes
Water and sanitation projects
Electrical networks and clean energy
Unsecured Loans
We provide unsecured working capital loans to viable SMEs that need funding for stock, operations, equipment, contracts or short-term cash-flow gaps.
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Our assessment focuses on real trading activity, bank statement behaviour and the entrepreneur’s ability to repay the loan responsibly.
Receivables Finance
We support businesses that have delivered goods or services and are waiting for payment from credible customers.
This helps SMEs unlock cash tied up in approved invoices, purchase orders or confirmed receivables, while matching repayment to the expected customer payment cycle.
Catalyst Fund
The Catalyst Fund provides structured bridge and project preparation finance to engineering & construction firms for infrastructure projects.
We fund short-duration, high-impact requirements such as supply and installation gaps, bid-to-close costs and pre-financial close funding needs.
Credit Support
We support clients with practical technical advice to help them become more fundable and better prepared to manage credit.
This includes guidance on cash-flow planning, book-keeping, repayment discipline and strengthening the business case for future funding.
Empowering Your Financial Growth
Discover tailored capital and finance solutions designed to strengthen your business, manage risk, and unlock long-term success.
Our Credit Risk
Approach
Our credit approach is practical, disciplined and relationship-driven. We assess each SME on the strength of its real trading activity, cash-flow behaviour, repayment ability and the credibility of the entrepreneur behind the business.
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We combine data-led credit analysis with human judgement. This allows us to make responsible lending decisions while still recognising the realities of early-stage, township and rural businesses that may not fit traditional banking criteria.
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We structure loans to match the cash-flow cycle and risk profile of each transaction, with clear repayment terms and transparent pricing. Our aim is to fund viable SMEs, contractors and project sponsors responsibly, support them through the repayment period, and build long-term funding relationships with businesses and projects that demonstrate integrity, discipline and growth potential.
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Phone Number
010 826 1580
Email Address
Physical Address
33 Ballyclare Drive, Bryanston, 2191, Johannesburg
16 St George's Mall, Foreshore, 8001, Cape Town
179 Vhuawelo Street, Sibasa, 0970, Thohoyandou
Maano Capital Pty Ltd, 2013/181382/07 is an authorized financial services provider (FSP 55112) in terms of section 8 of the Financial Advisory and Intermediary Act 37 of 2002. Maano Capital is authorized to provide advice and intermediary services in the following categories: money market instruments, derivative instruments, long and short term deposits, structured deposits, participatory interests in CIS, shares, bonds, debentures and securitized debt, forex investments and short-term commercial insurance. Maano Capital is a registered credit provider NCRCP22459.