How does FNDER estimate my funding capacity?

FNDER combines your revenue, gross margin, operating costs, customer growth and funding requirements to estimate how much capital your business can responsibly absorb. The calculator provides an indicative funding range, repayment outlook and financial impact before you apply for funding.

Is FNDER a lender or investment fund?

No. FNDER is a capital operating platform. We help businesses prepare for funding by modelling different scenarios, improving investor readiness, generating supporting documents and matching businesses with suitable funding partners.

Can I compare different funding scenarios?

Yes. Create multiple scenarios to test changes in pricing, customers, margins, operating costs and funding requirements. Compare the financial outcomes side by side before making important business decisions.

What documents can FNDER generate?

FNDER can generate executive summaries, investment memorandums, financial workbooks, funding reports and investor-ready documents directly from your active business scenario, reducing manual preparation time.

Do I need financial modelling experience?

No. FNDER is designed for founders, business owners and advisors. The platform translates complex financial modelling into simple business decisions, while still providing the depth needed for professional funding discussions.

Who is FNDER built for?

FNDER is built for startups, SMEs, consultants, accountants, incubators and investment readiness programmes that need a structured way to understand funding capacity, prepare documentation and engage with capital providers.

See how much funding your business can responsibly raise.

Estimate your funding capacity in seconds or analyse your Annual Financial Statements. F*NDER turns your financials into a structured capital scenario before you approach funders.

See how F*NDER works

No payment detailsIndicative analysisPrivate workspace

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Choose how to begin

Business inputs

Estimate your funding capacity

Use your current average monthly position. You can refine every assumption in Scenario Studio.

Monthly revenueR250k

R0R2m

Gross margin45%

5%90%

Operating Expenses (OPEX)R70k

R0R1m

Funding requiredR1.0m

R50kR10m

Indicative result

What the numbers suggest

Capacity

R510k

Annual estimate

Monthly surplus

R43k

Positive

Payback

24 months

Potentially manageable

Request

R1.0m

Funding gap remains

Capacity versus request

Estimated capacityR510k

Funding requiredR1.0m

Continue in F*NDER

Keep these inputs, refine the Scenario and prepare investor-ready outputs.

Indicative estimate only. This is not financial advice or a funding offer.

One connected capital workflow

See how FNDER moves a business from numbers to capital.

Every part of the platform works from the same active scenario. Change the business model once and the intelligence, outputs, Data Room and capital process remain aligned.

01 · Command centre

Understand where the business stands.

See business health, runway, funding capacity and investor readiness in one clear view.

See the most important financial signals

Identify gaps before approaching funders

Move directly to the next priority

Business outcome

Start every capital decision from one shared business position.

Start with your business

Example Trading

Active business workspace

Base ScenarioFD

Business overview

Your capital position at a glance

The active scenario produces one connected view of business health and funding readiness.

Business health

Stable

Runway

8.4 mo

Adequate

Funding capacity

R1.2m

Indicative

Investor readiness

Developing

Capital readiness profile

FinancialMarketReadinessEvidence

Operating signals

Monthly revenueR272k

Operating surplusR49k

Gross margin48%

Evidence readiness67%

Why FNDER

Capital decisions should not begin with guesswork.

Most businesses prepare for funding across disconnected spreadsheets, documents and conversations. FNDER brings the entire capital workflow into one connected operating system.

One connected workflow

Business

Scenario

Intelligence

Outputs

Data Room

Capital Network

Start with one scenario

Scenario Studio

Model the decision before you make it.

Change the assumptions and see the impact on revenue, profitability and funding capacity in real time.

Try Scenario Studio

Live scenario assumptionsAutomatic recalculationOne active financial model

One source of financial truth

Change the business assumptions once. FNDER keeps the intelligence, reports, Data Room and capital workflow aligned to the same active scenario.

Connected to the active scenario

Responsible funding capacity

Estimate what the business can realistically absorb and repay before approaching a lender, investor or development finance institution.

Connected to the active scenario

Investor readiness

Understand what information is complete, what evidence is missing and what should be addressed before an application begins.

Connected to the active scenario

Capital that fits

Compare funding routes and focus on capital partners whose mandate, instrument and ticket size are more relevant to the business.

Connected to the active scenario

Who FNDER is for

Built for the people responsible for getting businesses ready for capital.

FNDER provides one structured workflow for modelling the business, understanding its capital position, preparing evidence and moving towards suitable funders.

Founders

Model growth plans, understand funding capacity and prepare for investor conversations with clearer numbers.

Move from an idea of what you need to an evidence-based capital plan.

Growing SMEs

Assess whether the business can responsibly take on debt, revenue-based finance or equity capital.

Approach banks, DFIs and investors with a stronger financial position.

Advisors and consultants

Create structured capital workspaces for clients without rebuilding every model and report manually.

Deliver more consistent, repeatable funding-readiness engagements.

Capital and enterprise teams

Review businesses through a common framework covering scenarios, evidence, readiness and capital fit.

Assess opportunities more consistently and identify preparation gaps earlier.

Begin with the business you are preparing for capital.

Create the workspace, establish the Base Scenario and continue from one connected capital position.

Create free workspace

Pricing

Start free. Upgrade when the capital process becomes active.

Build the initial capital position at no cost, then unlock advanced intelligence, exports and collaboration when the business is ready to execute.

For an SME preparing its first capital position

Starter

Understand where the business stands, model the core scenario and begin preparing for capital.

Free

No credit card required.

Included

1 business workspace
Up to 3 scenarios
Core financial intelligence
Investor-readiness assessment
Output previews
100 MB Data Room storage
Up to 3 capital matches
1 workspace member

Create free workspace

For businesses actively preparing and executing a capital raise

Recommended

Professional

Unlock advanced intelligence, investor-facing outputs, collaboration and broader capital access.

R 999/ month

Secure recurring billing through PayFast.

Included

Up to 5 businesses
Unlimited scenarios
Advanced capital intelligence
50 output exports each month
Advanced PDF and workbook exports
10 GB Data Room storage
Unlimited capital matching
Up to 5 workspace members
Teams and member invitations
Scenario version history

Start free, upgrade anytime

For advisers, incubators, accelerators and institutions

Adviser & Enterprise

Manage capital-readiness portfolios with institutional controls, branding and governance.

Custom

Custom onboarding, pricing and support.

Included

Unlimited businesses
Unlimited scenarios
Unlimited workspace members
Advanced capital intelligence
Unlimited output exports
Branded investor outputs
50 GB Data Room storage
Unlimited capital matching
Full workspace role framework
Version and audit history
Priority institutional support

Start an institutional workspace

Plan limits apply at workspace level. Adviser and institutional arrangements are configured through a managed onboarding process.

Frequently Asked Questions

Questions founders ask before raising capital.

FNDER is designed to help you understand your funding position before approaching banks, investors or development finance institutions.

info@fnder.co.za

Start on Starter

Build the capital position before approaching funders.

Create a free F*NDER workspace, model the active business scenario and understand funding capacity, readiness and the next actions required to move towards capital.

Create free workspace Sign in

Starter is free

No credit card required

Upgrade only when ready

One capital workflow

1Overview

2Scenario

3Intelligence

4Outputs

5Data Room

6Capital NetworkCapital ready

Everything remains connected to the active business scenario.