No. Mutual Capital is a funding-readiness and coordination platform. We prepare and package applications for submission to registered financial institutions and licensed credit providers. All credit and approval decisions remain with those institutions.

The online Readiness Quiz is free. A coordinator-led Readiness Assessment is R1,500 (credited to the mandate if you proceed). Funding Coordination is scoped per mandate and disclosed up front — no hidden margins.

The quiz takes 10 minutes. A coordinator typically responds within 1 business day. Full readiness preparation ranges from 2 to 8 weeks depending on documentation gaps and the funding category.

For personal readiness: ID, proof of residence, recent payslips, 3–6 months bank statements. For business readiness: CIPC docs, latest signed AFS, management accounts, bank statements, SARS tax PIN, and cash flow projections. The intake walks you through the full list.

No — and you should be cautious of anyone who does. We strengthen your readiness profile so that institutional submission has the best chance of progressing. Underwriting and approval remain at the discretion of the relevant licensed institution.

We comply with POPIA. Your data is used only for the purpose of preparing and coordinating your funding readiness. We do not share information with third-party partners without your explicit consent.

Yes. Tap the WhatsApp button on this page and a coordinator will respond during business hours.