FluxCap Financial Services — Implementation Roadmap & Gantt Chart
The implementation roadmap and Gantt chart - the phased milestones and the critical path underpinning FluxCap.
Section 17 · Business Plan
Implementation Roadmap & Gantt Chart
The implementation roadmap and Gantt chart – the phased milestones and the critical path underpinning FluxCap.
The 60-month roadmap sequences five phases from financial close:
foundation and licensing; pilot and public launch; product
diversification and warehouse funding; embedded scale-up; and exit
readiness. Dependencies are explicit — no public launch without NCR
registration and the senior facility; no warehouse close without twelve
months of audited vintage data; no SADC expansion until the domestic
book is profitable.
Critical milestones and dependencies
| Month | Milestone | Dependency / gate |
|---|---|---|
| M5 | NCR credit-provider registration granted | Company incorporation, compliance staffing, RMCP approved |
| M4 | Equity tranche 1 close (R720m) | Anchor investor commitment; governance constitution |
| M9 | Pilot launch — FluxAdvance, Gauteng | Platform UAT complete; KYC and payment rails live; NCR registration |
| M12–13 | Senior debt facility close (R900m) & public launch | Pilot vintage data (3 months); security package; DSRA funded |
| M14–19 | FluxFlex launch; marketing scale-up | Cost of risk within 250bp of plan on pilot vintages |
| M16–24 | FluxSalary — first 3–5 employer payroll partnerships | Payroll-integration middleware certified; employer credit agreements |
| M26 | Securitisation warehouse programme close | 12 months audited book performance; rating-agency engagement; trustee & SPV structures |
| M24–33 | FluxEmbedded API channel live with e-commerce partners | API gateway hardened; partner-risk framework approved by Credit Committee |
| M36 | EBITDA-positive run-rate confirmed | FY2029 plan delivery; cost of risk ≤ 16.5% |
| M42–54 | SADC expansion feasibility (no capital committed in this plan) | Domestic profitability; board approval; regulatory mapping |
| M48–60 | Exit readiness: three-year audit trail, data room, governance maturity | Sustained ROE > 18%; clean regulatory record |
The single most consequential dependency in the roadmap is the M26
warehouse close. Sections 21–22 show the R1.8bn raise fully funds the
book only into FY2029; growth in FY2030–FY2031 requires warehouse
capacity scaling to approximately R4.2 billion. The plan therefore
front-loads everything a securitisation programme demands — audited
vintages, granular data tape, conservative provisioning, DSRA discipline
— from the first loan originated, so that the funding gate opens on
schedule.
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 FluxCap Financial Services (Pty) Ltd.