QuickFund Online — Executive Summary

QuickFund Online (Pty) Ltd (“QuickFund”) is a South African fintech company established to provide short-term digital lending services to individuals and micro-entrepreneurs who are underserved by traditional banking institutions. Headquartered in Johannesburg, Gauteng, QuickFund operates an AI-powered online lending platform that delivers…

Section 1 · Business Plan

Executive Summary

Capital Sought

R20,000,000

To fund platform development, initial loan-book capitalisation and 18 months of operations, targeting R80 million in Year-5 revenue and a 35%+ IRR.

1.1 Business Overview

The Company addresses a critical gap in South Africa’s financial services landscape: the inability of traditional banks and micro-lenders to meet the fast-approval, short-term credit needs of low- to middle-income earners, township-based consumers, and informal sector participants. By leveraging artificial intelligence, machine learning credit scoring algorithms, and cloud-based infrastructure, QuickFund delivers loans ranging from R500 to R50,000 within minutes of application, directly into the borrower’s bank account or mobile wallet.

1.2 Mission Statement

To democratise access to responsible short-term credit for every South African, using technology to deliver speed, transparency, and financial inclusion while fostering a culture of responsible borrowing and financial literacy.

1.3 Vision Statement

To become South Africa’s most trusted and widely-used digital short-term lending platform by 2031, empowering over one million individuals and micro-businesses with accessible, affordable, and responsible credit solutions.

1.4 Value Proposition

QuickFund’s value proposition is built on four strategic pillars that differentiate the Company from both traditional banks and existing micro-lenders in the South African market:

Speed and Convenience: Loan applications are
processed in under five minutes through the Company’s proprietary AI
credit scoring engine. Funds are disbursed within 15 minutes of
approval, directly to the borrower’s bank account via EFT or to their
mobile wallet. This eliminates the multi-day waiting periods typical of
traditional lenders.

Financial Inclusion: QuickFund serves consumers who
are often excluded from traditional credit markets. The platform uses
alternative data sources—including mobile phone usage patterns, utility
payment history, and banking transaction data—to assess creditworthiness
beyond traditional credit bureau scores.

Responsible Lending: All lending practices are fully
compliant with the National Credit Act (No. 34 of 2005) and National
Credit Regulator (NCR) guidelines. The Company implements affordability
assessments, transparent fee disclosures, and proactive debt counselling
referrals to ensure borrowers are not over-indebted.

Technology-Driven Risk Management: The proprietary
AI engine continuously learns and improves its predictive accuracy,
targeting loan default rates below 8%—significantly better than the
industry average of 12–15% among micro-lenders.

1.5 Strategic Objectives (Years 1–5)

Objective	Year 1	Year 3	Year 5
Active Customers	15,000	55,000	100,000+
Annual Revenue	R12 million	R45 million	R80 million
Net Profit	R1.5 million	R9 million	R18 million
Loan Default Rate	<10%	<8%	<6%
Employee Headcount	29	52	75+
Provinces Served	Gauteng, Western Cape	6 Provinces	All 9 Provinces

1.6 Funding Requirement

QuickFund seeks total seed and Series A capital of R20 million to fund platform development, initial loan book capitalisation, marketing, and operational expenditure for the first 18 months. The capital allocation is structured as follows:

Capital Allocation	Amount (ZAR)	% of Total
Platform Development & AI Engine	R5,000,000	25%
Loan Capital Fund (Loan Book)	R10,000,000	50%
Marketing & Customer Acquisition	R2,000,000	10%
Operations & Staffing (18 months)	R2,000,000	10%
Office Setup & Infrastructure	R1,000,000	5%
Total Capital Required	R20,000,000	100%

The Company offers equity participation and projects an internal rate of return (IRR) exceeding 35% over a five-year investment horizon, with potential exit via trade sale to a banking group or strategic fintech acquirer, or through a future listing on the JSE AltX.

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