Business Plan Generator

See it in action

SEFA-ready in one conversation

Mothusi AI

I need a business plan for a R500k SEFA loan application. We're in construction services, Rustenburg.

Let me check your SEFA eligibility first. Pulling your financials and compliance status.

Turnover under R50M BEE Level 2 CIPC current Tax compliant

SEFA eligible. All pre-qualification criteria met. Your 3-year trading history strengthens the application significantly.

Eligibility confirmed

Building your plan from actual data. Here's what I'm working with:

R840k

Revenue 2025

22%

Gross Margin

4.2mo

Cash Runway

Employees

Executive summary

Done

Market analysis

80%

Financial projections

55%

Risk register

30%

Plan drafting

What does the market analysis look like? I want to make sure the numbers are credible.

Here's your market positioning for construction services in North West Province:

R4.2B

TAM (National)

R380M

SAM (North West)

R12M

SOM (3-year)

3.2%

Target Share

Residential

R171M

Commercial

R114M

Government

R95M

Government infrastructure spend in North West grew 14% in 2025. Your CIDB grading and BEE Level 2 position you for this segment.

Market analysis complete

Looks solid. What about the 3-year financial projections?

Projections modelled from your 2025 actuals with 25% growth (conservative for your sector):

R1.05M

Year 1 Rev

R1.31M

Year 2 Rev

R1.64M

Year 3 Rev

R500k

Funding Ask

Loan repayment covered. Projected net profit of R231k in Year 1 gives a 1.8x debt service coverage ratio — above SEFA's 1.25x minimum.

Projections complete

Business plan complete. 18 pages with all 14 SEFA-required sections. BEE certificate and tax clearance auto-attached to appendix.

Business Plan: SEFA Loan Application18 pages · PDF & Word

Executive SummaryMarket Analysis3-Year FinancialsRisk RegisterBEE Pack

Ready for SEFA submission

Capabilities

Everything a funder needs to say yes

Mothusi builds plans that pass the scrutiny of SEFA credit committees, bank business analysts, and DFI investment officers — because they're grounded in your real trading data.

SEFA-Ready Format

Built to meet SEFA's exact requirements — company registration, BEE status, trading history, purpose of funding, repayment plan, and financial projections in the format their analysts expect.

3-Year Financial Projections

Revenue forecasts, income statements, balance sheets, and cash flow statements — all modelled from your actual 2024/25 actuals with growth assumptions you can adjust in conversation.

Market Analysis

Total addressable market sizing, competitive landscape, and target customer analysis for your specific sector and geography — referenced against credible SA market data sources.

Export to PDF, Word & Excel

Download your plan as a polished PDF for submission, an editable Word document for customisation, or an Excel model with full financial workings for the numbers-focused reviewer.

FAQ

Common questions

What sections does a Mothusi business plan include?

A Mothusi business plan includes up to 14 sections: executive summary, company overview, problem and solution, market analysis (TAM/SAM/SOM), competitive landscape, products and services, go-to-market strategy, operational plan, team profiles, 3-year financial projections, funding requirements, risk analysis, BEE status, and appendices with supporting documents.

Can I use a Mothusi business plan for a bank loan application?

Yes. Mothusi generates plans that meet the format requirements of SEFA, major South African banks (ABSA, FNB, Standard Bank, Nedbank), and development finance institutions. The financial section uses your actual trading history, which significantly increases approval rates compared to projections-only plans submitted by competitors.

Does it use my real financial data?

Yes. Mothusi pulls your actual revenue, costs, margins, and cash flow from your company's financial records on the platform. Your plan will reflect real numbers — not industry averages or generic estimates — which makes it immediately credible to funders, credit analysts, and investment officers reviewing your application.

Professional business plans in 10 minutes