Purpose-built debt funding for established Namibian businesses

Funding as a discipline

Debtquity helps established companies access debt funding for growth, acquisitions, refinancing, equipment finance and special situations.

N$10m+

Typical funding requirement

Up to 5 years

Funding term

Cash-flow based

No tangible collateral required

Mandate-led

Formally appointed to act for you

How we can help

Choose what you need. We’ll structure the rest.

Pick the option closest to your situation. Our team classifies and structures the funding behind the scenes.

Larger growth, acquisition or refinancing deal?

Scaling, recalibrating or a special situation of N$10 million or more — let’s pick up the conversation.

Trade & distribution

Trade & distribution

Growth and recovery funding for traders and distributors

Agriculture & processing

Agriculture & processing

Seasonal and growth funding for producers

Mining contractors & yellow metal

Mining contractors & yellow metal

Equipment and contract funding for contractors — not mining ventures

What we look for

The four pillars

Every deal we consider must meet all four. No exceptions.

01

Skilled operator

Management that understands their business with a track record of getting it right.

02

Manageable debt

The business can comfortably service its debt in the normal course of business and knows which levers to pull when tides change.

03

Predictable cash flow

Cash inflow that is recurring and spread over multiple counters.

04

Margin of safety

Enough buffer that a bad quarter doesn’t become a default.

Dex, the Debtquity honey badger

Is Debtquity right for your business?

Four ways we can help

Established companies seeking calibrated debt funding

Route – A

Established companies seeking calibrated debt funding

  • Buying or acquiring a business
  • Refinancing existing debt into a more flexible repayment structure
  • Working capital linked to a clear growth or contract opportunity
  • Growth or expansion capital
  • Equipment finance
  • Ownership, shareholder or succession-related funding structures
Special or distressed situations

Route – B

Special or distressed situations

  • Quick capital injections where short-term funding is required
  • Distressed or underperforming businesses with recovery potential
  • Asset-backed or transaction-backed turnaround opportunities
  • Refinancing pressure where the underlying business remains viable
  • Complex shareholder, succession or restructuring funding needs
  • Credit situations requiring active structuring, monitoring and disciplined execution
Asset finance for established businesses

Route – C

Asset finance for established businesses

  • Yellow metal, plant and earth-moving equipment for contractors
  • Trucks, trailers and fleet expansion
  • Machinery and production equipment
  • Repayment terms of up to five years, matched to the asset's earning life
  • Typically N$10 million and above
  • Mining contractors — not mining ventures

Not sure which route?

Assisted guidance

Tell us what you need to achieve and what led to the situation. We'll work through the root cause with you and point you to the right route — or tell you honestly if we're not the right fit.

  • A specialist reviews your situation personally
  • We look at causes, not just symptoms
  • No obligation until you formally appoint us

How does it work?

A simple, road-mapped process

Debtquity analysts reviewing an application
  1. 1

    Share your challenge

    Tell us what you need to achieve and what led to the situation.

  2. 2

    Problem-solution session

    We work through the root cause with you, not just the symptoms.

  3. 3

    Mandate appointment

    If there is a fit, you formally appoint Debtquity and we agree scope and timelines.

  4. 4

    Underwriting & credit committee

    Due diligence, the four pillars and conditions are tested before committee.

  5. 5

    Execution & funding

    Documents are signed, funds are drawn under strict controls and we stay close.

Submitting an enquiry starts a conversation; it does not guarantee a facility or approval.

Your deal, visible

Track every stage in your client portal

Stage 4 of 9

No more wondering where your application stands. Upload documents, message the team and sign contracts in one place.

Example · what a client sees

In progress

Working capital facility

3 of 9 stages complete · next action sits with the Debtquity team

  1. Submitted
  2. KYC & evidence
  3. Verification
  4. 4Credit reviewIn progress
  5. 5Decision
  6. 6Legal
  7. 7Settlement
  8. 8Monitoring
  9. 9Complete

Upload documents

Share financials, contracts and supporting evidence securely, in one place.

Message the team

One thread with your case owner — nothing gets lost in email.

Sign contracts

Review and sign your agreement digitally once the deal is approved.

Track funding

See conditions, settlement dates and payment status as they happen.

Secure sign-in · your case owner answers every message

Start your application
Ask Dex

I'm not sure, help me find the right solution

Client stories

Debtquity helped us secure a finance facility better suited to the early, challenging stage of Oryx Fibre Infrastructure and the way our cash flow was developing. The support was commercially sensible, well timed and tailored to our circumstances.

Cobus Visagie

Oryx Fibre Infrastructure

Quick fundability check

Is Debtquity a fit for you?

Four quick questions based on our four pillars. Nothing is stored or sent.

  • Has your business been trading with a proven track record?
  • Can you provide management accounts and annual financial statements?
  • Is your cash inflow recurring and spread across several customers?
  • Is your funding need around N$10 million or more (or tied to an approved invoice, order or contract)?

“Capital does not create success; it multiplies discipline.”

– Dex