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. The coordinator-led assessment is an R1,500 once-off readiness assessment. After it, a consultant decides whether your application is suitable to take to banks. If so, a mandate fee applies once the mandate is agreed, and a success fee applies only if a loan is approved, under your written terms. Whether any part of the assessment fee is offset is confirmed in those terms.

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.

No. To keep every file properly prepared, all enquiries start with the online screening. Once you complete it, email and WhatsApp follow-up with your coordinator become available. We do not take phone calls.