Business tools
15 calculators and document generators built for South African businesses, against SARS, CIPC, BCEA, POPIA and B-BBEE rules as they stand. No account needed.
Fill in your company and employee details and get a ready-to-sign CIPC BO mandate, POPIA/PAIA manual, B-BBEE affidavit, employment contract, disciplinary pack, PIP or NDA - built to the current BCEA, LRA, POPIA, PAIA and B-BBEE rules.
Generate CCMA-compliant employment contracts, warnings, disciplinary notices, Section 189 retrenchment packs, PIPs and separation agreements, filled with your own company and employee details.
Generate an NDA, service level agreement, independent contractor agreement, website terms, shareholders agreement, SEFA-ready business plan or a cash flow and break-even model, filled with your own business details.
Work out the interest you can legally claim on unpaid invoices, see which route fits your debt, and generate a letter of demand, statement of account or acknowledgement of debt, built on South African law.
Test a planned investment against South Africa's business visa rules: the R5 million capital, the 60% local staffing test, sector lists, a dated timeline, costs and a document checklist you can print or download.
Answer a few questions to match your business to real South African government grants and development finance institutions, plus a live list of currently open government tenders. Covers SEFA, IDC, NEF, NYDA and more.
Compare the true total cost of capital across bank loans, alternative lenders, merchant cash advances, and invoice finance for the same amount and term.
Check basic SME funding eligibility, then estimate your monthly repayment, total interest, and total cost via standard loan amortisation.
Estimate the cash you could unlock from an unpaid invoice or purchase order, the fee it costs, and what you would net after settlement.
Compare the total interest cost of a business loan against the 5-year cost of selling equity, to see which route to capital actually costs less.
Model your next 12 months of cash flow and see exactly how a loan, a slow quarter, or a growth bet would play out before it happens.
Add or remove 15% VAT on any amount, then check whether your business must register with SARS based on the R50k/R1m turnover thresholds.
Estimate your business's automatic B-BBEE contributor level and procurement recognition percentage from entity type and ownership profile.
Work out your break-even sales volume, break-even revenue, and profit margin from fixed costs, variable cost per unit, and selling price.
Find a business idea that fits your budget, skills and area, or test your own: get a viability score out of 100, break-even numbers and a 30-day plan for the South African market.
Try a broader word, for example "funding" or "tax", or clear the filters.
Friday, 9 October
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