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Target Sectors.

The KZN Growth Fund targets projects and investments across many sectors in the province with the exception of residential property and sin industries (tobacco, gambling, etc.)

KGFT continues to finance projects from the following priority sectors:


Power and energy

Transport and logistics


Health and Education

Agro-processing and tourism

Any other sector, which may promote the objectives of the Fund, provided it satisfies the investment policy of the Fund.

Mining and mineral benefaction

Key Advantages.

Provide debt
or equity

Competitive pricing starting from below prime depending on clients’ risk profile

Interest and capital repayment holidays of up to 2 years

A sculptured repayment profile

Loan term ranging between five and nine years

Project’s assets can serve as primary security

Cash flow based funding

Access to professional business networks that support our clients’ business success

Entrepreneurial approach which allows sufficient flexibility to respond to our clients' needs

Tailor-made solutions in line with the KZN Government’s call for job creation and BBBEE

Completely innovative solutions to finance any qualifying opportunities. This includes structured senior debt, mezzanine debt and equity products (including quasi-equity) T&C's apply


Projects must have a sustainable economic impact in KwaZulu-Natal

Cash flow based funding

Funding for capital expenditure projects (CAPEX)

Cash flow based funding

BEE shareholders need to be operationally involved in the business

Projects must stimulate sustainable job creation and equitable distribution of wealth within the KwaZulu-Natal economy

Equity contribution of the promoter subject to cash flows and capital structure (minimum 10%)

Projects must be at an advanced stage of implementation (disbursement within 6 months of application)
We do not finance working capital

Projects require a minimum of 40% BBBEE ownership or BBBEE score of at least 65 points (level 4)”; Should this not be 51% black ownership, 26% shareholding by indigenous people

We are optimists who love to work together

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