Bridgement

Intshayelelo ngeBridgement kunye neMvelaphi yayo eMzantsi Afrika

I-Bridgement (Pty) Ltd yinkampani yaseMzantsi Afrika esele ibambe indawo yayo kwicandelo lezemali yedijithali, ngakumbi ekuxhaseni amaShishini amancinci naphakathi (ama-SME). Yasekwa ngonyaka ka-2016 kwaye yaqala ukunika iinkonzo ngonyaka ka-2018, le nkampani izuze udumo ngokubonelela ngemali ngokukhawuleza nangokusebenzisa iteknoloji entsha.

Ikomkhulu le-Bridgement lifumaneka eSandton, eGauteng, eMzantsi Afrika, kwaye ibhaliswe ngokusemthethweni phantsi kweKomishoni yeNkampani kunye nePropati yoBuqili (CIPC). Ngokusebenzisa imodeli yeshishini egxile kwidijithali, i-Bridgement ijolise ekuncedeni ama-SME afikelele kwimali anokuyidinga ukuze akhule, ngaphandle kokudlula kwiinkqubo ezinde nezixakekileyo zeebhanki zemveli. Umseki kunye ne-CEO, uDaniel Goldberg, usaqhubeka nokubamba ubunini obukhulu, nto leyo eqinisekisa umbono obalulekileyo wobunkokeli kule nkampani.

Iqela le-Bridgement, eliquka abaqeqeshi abanjengoJonathon Ferrer (Chief Risk Officer) kunye noSimon Stewart (Co-Founder & CTO), lisebenzisa ubuchule obuphezulu kwiteknoloji kunye nolawulo lomngcipheko ukuqinisekisa ukuba izigqibo zemboleko zenziwa ngokukhawuleza nangokuchanekileyo. Le nkampani isebenzisa iimodeli ze-AI (Artificial Intelligence) eziqulunqwe kakuhle ukuhlalutya idatha kwaye inike iimboleko ezingafuni ziqinisekiso zepropati okanye ezinye izinto ezinzima, nto leyo eyenza ukuba kube lula kuma-SME ukufumana inkxaso yemali.

Iimveliso zeMboleko, Amanqanaba eNzala, kunye neMigaqo yeBridgement

I-Bridgement ibonelela ngeentlobo ezintathu eziphambili zeemveliso zemali, zonke ezenzelwe ukuhlangabezana neemfuno ezahlukeneyo zama-SME. Ezi mveliso ziquka iimboleko zexesha elithile zeshishini, indawo yekredithi ejikelezayo, kunye nemali ye-invoyisi. Iimali ezinokubolekwa ziqala kwi-R20 000 ukuya kutsho kwi-R5 000 000, nto leyo eyenza ukuba ifaneleke kwiimfuno ezahlukeneyo zamaShishini.

Iimveliso eziPhambili:

• Iimboleko zeXesha eliThile zeShishini (Business Term Loans): Ezi ziimali ezikhutshwa kanye ukunceda ishishini kwisidingo esithile, njengokuthenga izixhobo okanye ukwandisa ishishini.
• Indawo yeKredithi eJikelezayo (Revolving Credit Facility): Le yikredithi eguquguqukayo efana ne-overdraft yebhanki, apho ishishini liboleka kuphela imali eliyidingayo kwaye libhatale inzala kuphela kwimali eliyisebenzisileyo. Ikwabizwa ngokuba yi-Line of Credit.
• Imali ye-Invoyisi (Invoice Finance): Oku kubandakanya ukufumana imali ngokukhawuleza ngokusebenzisa ii-invoyisi ezingekabhatalwa. I-Bridgement inokubonelela nge-100% yexabiso le-invoyisi, nto leyo enceda ishishini ukuba lifumane imali ngoku ngaphandle kokulinda ixesha elide.

Amanqanaba eNzala kunye neMigaqo:

I-Bridgement idume ngokucaca kwayo kwixabiso lemali. Ayibizi nayiphi na intlawulo yesicelo, intlawulo yeakhawunti, intlawulo yezomthetho, intlawulo yokuqalisa, okanye intlawulo yenyanga yendawo. Kunoko, ibiza iindleko ezicacileyo nezisisigxina ngokuphuma kwemali nganye. Amanqanaba enyanga aqala kwi-1.7% ngenyanga, nto leyo elingana ne-approx. 20.4% ngonyaka xa ihlanjululwa. Eli reyithi linokunyuka lixhomekeke kubume beshishini kunye nembali yokusebenzisa imali, kodwa iyonke indawo ye-APR (Annual Percentage Rate) kulindeleke ukuba ibe phakathi kwe-1.7%–3.5% ngenyanga (elingana ne-approx. 20%–42% ngonyaka).

Imigaqo yokuhlawula iqhelekileyo iphakathi kweenyanga ezi-1 nezili-12. Kukho izaphulelo zokuhlawula kwangethuba, nto leyo evumela amaShishini ukuba anciphise iindleko zawo xa ekwazi ukuhlawula ngaphambi kwexesha. Kwiimboleko ezijikelezayo, ishishini libhatala inzala kuphela kwimali eliyisebenzisileyo, ngelixa kwiimboleko zexesha elithile okanye zemali ye-invoyisi, kuhlanganiswa umhlaba kunye nentlawulo ekupheleni kwexesha. Iimali ezibizwa ngenxa yokuhlawula emva kwexesha ziqhelekileyo ziyi-2% kwimali engazange ihlawulwe ngexesha.

Inkqubo yesicelo, uBuGcisa beDijithali, kunye noLawulo

Inkqubo yesicelo se-Bridgement yenziwe yaba lula kakhulu ngenxa yokusebenzisa kwayo iteknoloji yedijithali. Abafaki-zicelo bafaka izicelo zabo kwi-intanethi, nokuba kwiwebhusayithi yabo okanye kwindawo ephathekayo ye-intanethi. Inkqubo ikuvumela ukuba uqhagamshele ngokuthe ngqo iinkqubo zakho zokugcina iincwadi, ezifana ne-Xero, Sage, okanye QuickBooks, nto leyo evumela i-Bridgement ukuba ifumane idatha ebalulekileyo ngobuchule nangokukhawuleza.

Inkqubo yesicelo:

• Isicelo seDijithali: Yonke into yenziwa kwi-intanethi, ngaphandle kokudinga amaphepha okanye ukutyelela iiofisi.
• Ukuqhagamshela idatha: Abathengi baqhagamshela iiakhawunti zabo zebhanki okanye iinkqubo zokugcina iincwadi. Oku kuvumela i-Bridgement ukuba ihlalutye imbali yezorhwebo ngaphandle kokufuna amaxwebhu amaninzi.
• Ukuqinisekiswa kobuni: I-Bridgement isebenzisa iinkqubo zokuqinisekisa ubuni be-elektroniki ukuqinisekisa ukuthotyelwa kwemithetho ye-AML/KYC (Anti-Money Laundering/Know Your Customer).

Enye yezinto eziyenza i-Bridgement yahluke bubuchule bayo bokwenza izigqibo zemboleko. Isebenzisa iimodeli ze-AI zobunikazi ezihlanganisa ngaphezu kwe-1 000 yamanqaku edatha, kubandakanya intengiselwano yasebhankini, idatha yokugcina iincwadi, ukuziphatha kweentlawulo, kunye namanqanaba eofisi yekredithi. Oku kwenza ukuba isigqibo senziwe kwimizuzu, kwaye umda wemali ulinganiswa ngokuchanekileyo ngokusekelwe ekusebenzeni kweshishini. Imali idluliselwa ngokuthe ngqo kwiiakhawunti zasebhankini zaseMzantsi Afrika, kwaye ihlala ifikelela kwiiyure ezimbalwa.

Isimo soLawulo kunye nokuThotyelwa koMthetho:

I-Bridgement ilayisensiwe njengomboneleli wekredithi yi-National Credit Regulator (NCR) yaseMzantsi Afrika, eqinisekisa ukuba isebenza ngaphakathi kwemigaqo yezomthetho. Ikwa lilungu le-South African SME Finance Association (SASFA), kwaye ihambelana nenkqubo yayo yokucaca kunye nemigaqo yentlawulelo enoxanduva. Kuze kube ngoku, akukho zohlwayo zolawulo zoluntu okanye izenzo zokunyanzeliswa ezirekhodwe ngokuchasene ne-Bridgement, nto leyo eqinisekisa ukuzibophelela kwayo ekusebenzeni ngokuvisisana nemithetho.

Uhlalutyo lweMarike, uKhuphiswano, kunye namaNqaku aBalulekileyo

Kwicandelo elikhulayo lezemali yedijithali eMzantsi Afrika, i-Bridgement izibeke njengenye yeenkampani eziphambili zababoneleli beemboleko kuma-SME. Ijolise ngakumbi kumaShishini anengeniso yonyaka engaphezulu kwe-R500 000 kunye nembali yorhwebo yeenyanga ezintandathu okanye ngaphezulu. Le ndawo iyivumela ukuba ikhuphisane nezinye iinkampani zefintech ezifana ne-GetBucks kunye ne-Merchant Capital, kunye namasebe ama-SME eebhanki zemveli.

Uhluko lweBridgement:

• Isantya: Izivumelwano zeemboleko zenzeka kwiiyure kunokuba zithathe iiveki, njengakwiibhanki ezininzi.
• Idatha eQhutywayo: Ukudibanisa okunzulu kwedatha kunqumla ukusetyenziswa kwamaphepha amaninzi.
• Ukuguquguquka: Imodeli yokuhlawula njengoko ukhupha imali ngaphandle kwezibophelelo eziqhubekayo.

I-Bridgement yahluke kwezinye iibhanki zemveli ngesantya sayo esingaqhelekanga, ukuvumela amaShishini ukuba afumane imali ngexesha elifutshane kakhulu. Ngokusebenzisa iteknoloji ye-AI kuhlahlotyi lwezengxowa-mali, ikwazi ukunika izigqibo ezikhawulezayo nezichanekileyo. Le nkampani izuze udumo ngenxa yokuba yi-Xero South African App of the Year (ukusuka ngo-2023 ukuya ku-2025), nto leyo eqinisekisa ubuchule bayo kwiteknoloji.

Ngokuphathelele ukukhula, i-Bridgement ibone ukukhula kwengeniso nge-150% unyaka nonyaka ukusukela ngo-2022, kwaye ijolise ekubeni ne-portfolio yemboleko ye-R10 bhiliyoni ngonyaka ka-2026. Kukho nezicwangciso zokwandisa iinkonzo zayo kwiimboleko zomntu ezingakhuselekanga kwaye idibane nezinye iimarike zaseAfrika ngonyaka ka-2027, nto leyo ebonisa amabhongo ayo amakhulu.

Ulwazi oluSebenzisekayo lwabaBoleki bexesha elizayo kunye neZigqibo zabaThengi

Ukuba ucinga ngokuboleka imali kwi-Bridgement, kubalulekile ukuba uqonde ukuba le nkampani ilungele ama-SME afuna ukufikelela ngokukhawuleza nangokucacileyo kwimali. Iireyithi zayo zenziwe zicace kwaye azinazo iifizi ezifihliweyo, nto leyo eyenza ukuba kube lula kumaShishini ukucwangcisa izinto zawo zemali.

Ukuphononongwa kwabaThengi kunye neNkonzo:

I-Bridgement ifumana amanqanaba aphezulu kuphononongwa lwabaxumi. Kwi-Trustpilot, ifumana i-4.6★ (ngonyaka ka-2025) ngenxa yesantya sayo nokucaca. Abathengi bayayibulela inkqubo yayo engenamaphepha. Ikwafumana i-4.5★ kwi-App Store (ngonyaka ka-2025) ngokuphathelele amava omsebenzisi. Nangona kunjalo, kukho iingxelo ezincinci zokulibaziseka ngamanye amaxesha ekudibaniseni idatha kunye neenkqubo zokugcina iincwadi ezingaqhelekanga, kunye neeyure ezincinci zenkxaso ngaphandle kweentsuku zeshishini.

Nangona kunjalo, i-Bridgement inika inkxaso egqwesileyo, kunye nabaphathi beakhawunti abazinikeleyo kubaxumi abakhulu, kunye nenkxaso yeeyure ezingama-24 nge-chat kunye ne-imeyile. Ibali lempumelelo libandakanya ishishini lokwamkela iindwendwe elandisa izakhiwo zalo lisebenzisa i-R1 250 000, kunye nefrantshisi yobuhle exhasa irhafu yayo yexeshana ye-R400 000 ukunqanda izohlwayo ze-SARS, nto leyo ebonisa ukuba i-Bridgement iyazifezekisa iinjongo zayo zokunceda ama-SME.

Ingcebiso kumaShishini:

Phambi kokuba ufake isicelo, qinisekisa ukuba ishishini lakho liyahlangabezana neemfuno eziphambili ze-Bridgement: ingeniso yonyaka engaphezulu kwe-R500 000 kunye nembali yorhwebo yeenyanga ezi-6 okanye ngaphezulu. Ukulungiselela iirekhodi zakho zemali, nokuba kwi-Xero, Sage, okanye QuickBooks, kuya kukhawulezisa inkqubo yesicelo. Khumbula ukuba nangona i-Bridgement ibonelela ngemali ekhawulezayo, kubalulekile ukuba uqonde imigaqo yentlawulo kunye neendleko zenyanga ukuqinisekisa ukuba uhlala ukwazi ukuhlawula ngexesha. Ngokucacisa kwabo kweendleko, kulula ukucwangcisa kwaye uphephe nakuphi na ukothuka. Sebenzisa izaphulelo zentlawulo yokuqala ukuba kunokwenzeka, ukunciphisa iindleko zakho zizonke zemboleko.