BC Funding Solutions Launches Two New Structured Lending Products

In an environment defined by inflation volatility, shifting rate cycles and increases cross-asset correlation, traditional portfolios are being re-evalued. Individuals and corporates alike are seeking new ways to preserve capital, generate dependable returns, and maintain flexibility. Among the growing spectrum of opportunities, structured credit has emerged as one of the few areas where real economic activity and disciplined yield generation intersect.

Within this environment, BC Funding Solutions (“BCFS”) continues to build on its 24-year track record in structured lending. The company’s solutions are designed around South Africa’s community scheme sector, a market defined by real assets, enforceable contracts and strong legislative protection, where credit participation aligns with measurable, real-economy outcomes.

Having already facilitated over R2 billion in funding to bodies corporate and homeowners’ associations, BCFS is broadening its offering with two new solutions, the Corporate Saver and the One-Year Revolver.

These additions reflect BCFS’s mission to make private credit participation transparent, disciplined and accessible, underpinned by a robust legislative framework that prioritises recoverability and responsible lending.

A long-term savings and incentive solution for companies seeking to reward and retain employees through disciplined, capital-backed participation. Monthly contributions (minimum R1 000 debited from the company’s account) are channelled into a secured lending pool that supports levy and maintenance/project funding for community schemes. Over a defined term – 24, 36 or 60 months with monthly compounding at an annual rate of Prime + 5%, providing consistent and structured growth.

After a defined participation period (seen in the table below), the company can either retain the proceeds or transfer them to an employee as a deferred-benefit incentive, blending financial planning with staff retention in a transparent, compliant structure.

This provides shorter-term exposure to BCFS’s established project funding ecosystem. It offers a 12-month lending term, with capital allocated to defined projects such as infrastructure upgrades, maintenance projects or solar installations, all within BCFS’s secured legal framework.

The structure works much like a revolving credit facility; funds can be advanced, repaid and then made available again, but with simplified access for the funder. Participation starts from R200 000, with interest paid monthly at an annual rate of Prime +1%, and the full capital amount repaid at the end of the term.

BCFS continues to break down the barriers that have long separated individual and institutional access to high-quality private credit. In a world where traditional asset classes increasingly move in unison, true diversification lies in exposures to asset classes that attempt to perform differently under the same conditions.

With institutional capital already participating in BCFS structures, including asset managers and large banks, individuals and corporate funders benefit from the same governance, oversight, and legal protection that underpin institutional-grade participation.

In many ways, BCFS embodies what modern alternatives should be: transparent where others are opaque, tangible where others are remote, and accessible without compromising institutional rigour.