The cost of bad debt on SA SMEs and how it hurts your working capital
One of the most critical — and often overlooked — components of managing your working capital is your ability to manage your debtors. For SMEs and growth businesses, revenue means very little until it converts into cash. You can have a strong order book, healthy margins on paper, and a growing client base — but […]
February – a more upbeat time for entrepreneurs seeking working capital
Our team unpacks key trends in February 2026 for South African entrepreneurs looking to access working capital for their businesses
How can I add more women-owned businesses to my Preferential Procurement?
Have your 2026 Preferential Procurement strategies been thrown into disarray by the recent proposed amendments to the B-BBEE codes announced by Minister Parks Tau from the Department of Trade, Industry and Competition? The Minister has recently circulated for comment proposed amendments which at first glance are primarily focused on the introduction of the “Transformation Fund” […]
The Entrepreneur’s Capital Stack
Business jargon has a way of creeping into everyday conversation, especially in finance. Words like “Working capital”, “Trade Finance” or “venture capital” get used so often that we assume everyone knows what they mean, yet very few entrepreneurs have had them properly explained in a practical, real-world way. So let’s break it down simply. Imagine […]
Working Capital Trends – January 2026
2026 has kicked off on the front foot with a positive data point – sentiment among civil contractors, as measured by the FNB/BER Civil Confidence Index rose to a joint 11-year high in 2025Q4. The improvement in the business mood was supported by significantly better readings for activity growth and overall profitability. With business activity on […]
Can land be used as collateral when applying for DTIC incentives?
For many South African entrepreneurs, access to funding remains one of the biggest barriers to growth. Whether you are operating in manufacturing, agro-processing, or another priority sector, incentives from the Department of Trade, Industry and Competition (DTIC) – such as the Black Industrialist Scheme (BIS) or the Agro-Processing Support Scheme – can play a meaningful […]
How to get your accounts ready to access finance in South Africa
Why am I declined for business finance? With access to finance being a major challenge for entrepreneurs, this is a question which comes up regularly. For many South African business owners, trying to access finance can feel frustrating and overwhelming. You may have a solid business, loyal customers, and clear growth plans yet still find […]
Working Capital Trends – December 2025
This monthly blog from Decusatio Working Capital Solutions tracks the key trends shaping how South Africa’s growth businesses access funding and raise capital. Our focus is on practical insights around working capital solutions, strategic fundraising and the funding structures available to entrepreneurs, founders and management teams looking to scale their businesses sustainably. As 2025 comes to an end, […]
Celebrating Innovation: Congratulations to the 2025 FNB App of the Year Finalists
As Decusatio Working Capital Solutions, we extend heartfelt congratulations to all the outstanding finalists and winners announced at the 2025 FNB App of the Year Awards. This year’s cohort of apps — spanning healthcare, enterprise, education, agriculture, finance, gaming and more — represents the very best of South Africa’s and Africa’s digital ingenuity. Why this […]
Who are the flexible working capital loan businesses in South Africa?
As we enter the final stretch of 2025, many businesses are looking at their working capital requirements. If we look at our digital data, one of the questions which comes up is “Who are the flexible working capital loan businesses in South Africa?” – here are a couple of comments on this question. How much […]
