SmartRands Info

  • SmartRands % Reward Offered: See listing below for details
  • Type of Membership:Earn & Spend
    Q What SmartRands reward is offered?

    Take out a loan with Investmint (either through invoice factoring or project finance). Once you've successfully repaid the loan, you'll earn 15% of Investmint's share of fees in SmartRands.

    What we do

    Investmint links businesses in need of capital with investors looking to grow their money. Business owners propose their project through either invoice factoring or project financing – while investors browse, select, then fund.

    SMEs can fund their invoices or projects now so their businesses can flourish in the future. Investors can diversify their portfolios while contributing to South Africa’s thriving Small & Medium Enterprise (SME) economy.


    We calculate your interest rate based on your on-time repayment rating, your completed projects, and the type of financing. We don’t hide costs, fees, or formulas, and we don’t use mysterious algorithms to calculate your interest rate.

    Fairest Terms

    We guarantee that your interest rate stays the same. This means if you repay early, your interest owed will decrease. Most other local lending companies do not decrease the amount of interest owed, effectively increasing your interest rate throughout the project.

    Quick Access

    Sign up for Investmint in just a few minutes. Explore the platform before you submit a project or fund someone else’s project. We encourage exploration and want our users to feel comfortable and familiar with the platform.

    Flexibility & Control

    We will not limit your access to funding based on your financial past. We want to help fund what you can sell now. We encourage borrowers to match their loan structure to the expected cashflow of the project. We give you the choice of repaying the capital after either 1, 2 or 3 months.

    Whether you are looking to borrow or invest, Investmint is simple to use. The web-based platform is intuitive and straightforward.

    Keeping tabs on your projects and repayments is easy with Investmint’s user dashboards. View project funding as it happens, and track repayment deadlines as they approach.

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