Personal loans
Short-term loans for immediate needs.
- No collateral required for personal loans
- Flexible repayment
- Repayment by authorised debit order
KuGompo City (East London) · Eastern Cape
Funding and investment
Funding and investment
for your next step.
Plus40 Investment Holding Company (Pty) Ltd is a 100% black-owned holding company built around four focused businesses: finance, capital, trading and projects. Through Plus40 Finance we provide personal loans, business loans and purchase-order funding as an NCR registered credit provider.
B-BBEE Level 1 · 135% procurement recognition
NCR · NCRCP17408
100% black-owned
About us
A local holding company focused on long-term growth
Plus40 Investment Holding Company (Pty) Ltd was incorporated in South Africa in November 2021 and operates from North End, KuGompo City (East London). The company is owned and run by four shareholder-directors who each hold an equal 25% stake, which makes it a 100% black-owned business.
We are organising the group as a holding company with four focused businesses. Plus40 Finance provides credit and purchase-order funding. Plus40 Capital manages the group's own investments. Plus40 Trading handles tender supply and logistics, and Plus40 Projects covers construction and property. Our tagline says what we do: Your Goals. Our Priority.
Growth. We build lasting value for our clients, our shareholders and the communities we work in.
Transparency. We explain costs and terms clearly, and we keep good governance and proper records.
Responsible lending. We assess affordability and follow the National Credit Act.
Empowerment. We are a black-owned, Level 1 B-BBEE business that supports local enterprise and suppliers.
- Registered namePlus40 Investment Holding Company (Pty) Ltd
- Registration no.2021/120511/07
- Incorporated29 November 2021
- Ownership100% black-owned · 4 shareholders
- B-BBEE statusLevel 1 (EME) · 135%
- NCR registrationNCRCP17408
- OfficeOffice 240, Milner Centre, North End
- Office hoursMon–Fri, 08:00–17:00
What we do
Plus40 Finance
Plus40 Finance
Plus40 Finance
Plus40 Capital
Plus40 Trading
Plus40 Projects
Services
Our lending and funding is offered through Plus40 Finance. Plus40 Investment Holding Company (Pty) Ltd is the NCR registered credit provider. Every application goes through an affordability and risk assessment.
Purchase-order funding
Funding from R50,000 so that businesses can fulfil confirmed purchase orders from their clients.
- Valid purchase order required
- Plus40 pays your supplier
- Repay once your client has paid
Business loans
Credit for small and growing businesses. Each loan is assessed on its own merits and risk profile.
- Business registration documents
- Proof of business bank account
- Additional documents depending on risk profile
Investments & capital
Plus40 Capital holds and manages the group's own investment portfolio, including equity shares, investment units and digital assets, to build long-term value for the group.
Tender supply & logistics
Supply of goods and services to public and private sector clients, backed by logistics, plant and truck operations.
Construction & property
Project delivery in construction and property.
Group structure
One holding company, four focused businesses
Plus40 Investment Holding Company (Pty) Ltd sits at the top of the group. Its subsidiaries and divisions each focus on one line of business.
Plus40 Investment Holding Company (Pty) LtdHolding company · Reg. 2021/120511/07
Finance
Plus40 Finance
Personal loans, business loans and purchase-order funding.
Capital
Plus40 Capital
The group's own investments: shares, units and digital assets.
Trading
Plus40 Trading
Tender supply and logistics.
Projects
Plus40 Projects
Construction and property.
The group structure is being put in place, and some subsidiaries are still being registered.
Leadership
Board of directors
Four shareholder-directors lead Plus40, and each holds an equal 25% shareholding.
MB
Mr M.Z.C. Buyeye
Chairperson
Director and shareholder.
VT
Mr V. Tshangana
Company Secretary
Director and shareholder. Attorney at Tshangana Attorneys Inc, East London.
MM
Mr M. Maqubela
Chief Operating Officer
Director and shareholder.
TM
Mr T.V. Moruri
Chief Financial Officer
Director and shareholder.
Compliance
Registered, verified and accountable
We work within South Africa's credit, empowerment and procurement rules. Copies of our certificates are available on request.
B-BBEE
Level 1 Contributor
CIPC B-BBEE Certificate for Exempted Micro Enterprises (EME). 135% procurement recognition, 100% black ownership.
- Certificate no.
- 9395037973
- Issued
- 7 October 2026
- Valid until
- 6 October 2027
National Credit Regulator
NCRCP17408
Registered as a credit provider in terms of section 40 of the National Credit Act 34 of 2005.
- Registered entity
- Plus40 Investment Holding Company (Pty) Ltd
- Current certificate
- 1 Aug 2026 – 31 Jul 2027
National Treasury CSD
MAAA1393781
Registered supplier on the Central Supplier Database for government procurement.
- CIPC reg. no.
- 2021/120511/07
- Status
- Active · In business
Apply
What you need to apply
Get your documents ready before you apply. We may ask for more information to assess your application. You can apply in person at our office or by WhatsApp on 064 999 0548.
Personal loans
Easy requirements
- Copy of valid ID / passport
- 3 months' bank statements
- 3 months' payslips
- Proof of residence (less than 3 months old)
Office hours
Monday to Friday: 08:00 – 17:00 · Public holidays: closed
Purchase-order funding · from R50,000
Submission checklist
- Company registration details
- Directors' IDs
- Purchase order
- Supplier quotation / invoice
- Proof of client / order
- Company bank confirmation
- Applicant contact details
- Additional supporting documents
1. Company details
- Registered company name
- Company registration number
- Names of all directors
- Copies of directors' IDs
2. Purchase order
- Copy of the purchase order
- Client/customer name
- Purchase order value
- Description of goods or services
- Payment terms
- Purchase order number and date
3. Supplier quotation or invoice
- Supplier quotation or invoice
- Supplier's name
- Amount payable
- Supplier's banking details
4. Proof that the client/order is genuine
- Award letter
- Appointment letter
- Official confirmation
- Contract or other supporting documentation, where applicable
5. Company banking confirmation
- Company bank account confirmation letter, or
- Recent bank statement showing the company account details
6. Applicant contact details
- Applicant/director's name
- Mobile number
- Email address
- Business/physical address
7. Additional supporting documents
- Company registration documents
- Tax/SARS documents, where applicable
- Financial information and/or bank statements, where required
- Signed funding agreement
- Any other documents relevant to the transaction
How purchase-order funding works
- You receive a purchase order from your client.
- You apply for Plus40 funding.
- Plus40 pays.
- You deliver the goods or services to your client.
- Your client pays you.
- You repay Plus40 within 24 hours of receiving payment, as set out in the funding agreement.
Contact
Visit or get in touch
We are at Milner Centre, on the corner of St Johns Road and Milner Road in North End.
-
Office Office 240, Milner Centre
22 St Johns Road (cnr Milner Road)
North End, KuGompo City (East London), 5201
Eastern Cape, South Africa -
Phone / WhatsApp064 999 0548 · WhatsApp us
-
HoursMonday – Friday, 08:00 – 17:00
Closed on public holidays
Milner Centre
Cnr St Johns Road & Milner Road, North End
KuGompo City (East London)
Cnr St Johns Road & Milner Road, North End
KuGompo City (East London)