Velocity Auto Restore – Business Plan

Investment-grade business plan for Velocity Auto Restore Group (Pty) Ltd — an R165-million raise (R95m equity + R55m senior debt + R15m founder) to build a technology-driven, multi-location collision-repair and autobody platform in South Africa, scaling to R620 million of revenue by Year 5 at a 24% EBITDA margin, a 26–34% target equity IRR, a ~4.2× money multiple and a ~4.5-year payback.

Confidential Information Memorandum

Velocity Auto Restore

A technology-driven, multi-location collision-repair and autobody platform for South Africa — insurance-approved collision restoration, panel beating, spray painting and fleet repair, delivered through a hub-and-satellite network of regional repair hubs — structured as an investment-grade R165-million opportunity for equity investors and senior lenders.

Legal Entity

Velocity Auto Restore Group (Pty) Ltd

Head Office

Johannesburg, Gauteng, South Africa

Capital Sought

R165 million

Structure

R95m equity + R55m debt + R15m founder

Year-5 Revenue

R620 million

Year-5 EBITDA Margin

24%

Target Equity IRR

26–34%

Money Multiple

~4.2×

Payback

~4.5 years

Sector

Automotive Collision Repair

The Opportunity

South Africa has around 12.9 million registered vehicles, persistently high road-accident frequency and a maturing short-term insurance market — yet the collision-repair industry remains fragmented, capacity-constrained and held back by a deep panel-beating and spray-painting skills shortage. Velocity Auto Restore captures this with a technology-driven, multi-location platform — insurance-approved collision restoration, panel beating, spray painting, fleet repair and refinishing — built on a hub-and-satellite network of regional repair hubs, deep insurer and fleet relationships, fast turnaround systems and OEM-level repair standards. An R165-million raise (R95m equity + R55m senior debt + R15m founder capital) funds a phased national rollout from a Gauteng foundation to the coastal metros, scaling revenue to R620 million by Year 5 at a 24% EBITDA margin and delivering a target equity IRR of 26–34%, a ~4.2× money multiple and a ~4.5-year payback.

Plan Contents

This investor-grade business plan is organised into the sections below. Each section is a dedicated page — select any to explore the full detail.

Confidentiality & Disclaimer

This document (the “Business Plan”) has been prepared by the
directors of Velocity Auto Restore Group (Pty) Ltd (“Velocity” or the
“Company”) solely for information purposes, to assist prospective
investors and lenders in evaluating a potential investment in, or the
extension of credit facilities to, the Company. It does not constitute
an offer, invitation or solicitation to subscribe for or purchase any
securities, nor does it form the basis of, or constitute, any
contract.

The financial projections contained herein are forward-looking and
are based on assumptions which the directors consider reasonable as at
the date of preparation. Actual results may differ materially from those
projected. Forward-looking statements are subject to business, economic,
regulatory and competitive uncertainties, many of which are beyond the
Company’s control. Prospective investors should conduct their own
independent due diligence and seek their own legal, financial, taxation
and commercial advice before making any investment decision.

All monetary amounts are expressed in South African Rand (“R” or
“ZAR”) unless otherwise stated. Market and industry statistics are drawn
from publicly available sources believed to be reliable, including
Statistics South Africa, the National Association of Automobile
Manufacturers of South Africa (naamsa), the eNaTIS vehicle register, the
South African Insurance Association (SAIA), the Retail Motor Industry
Organisation (RMI) and its constituent association the South African
Motor Body Repairers’ Association (SAMBRA). While care has been taken in
compiling this information, the Company does not warrant its accuracy or
completeness.

Confidentiality

This Business Plan is strictly confidential. By accepting it, the
recipient agrees to keep its contents confidential, to use it solely for
the purpose of evaluating the opportunity described herein, and to
return or destroy it on request. It may not be reproduced or
distributed, in whole or in part, without the prior written consent of
the directors of Velocity Auto Restore Group (Pty) Ltd.

Confidential — this business plan is provided to prospective investors and lenders for evaluation purposes only and may not be reproduced or distributed without the written consent of Velocity Auto Restore Group (Pty) Ltd.