TCC — Investor Decision Toolkit

Investment Simulator

Simulate Your Investment Return

Enter any amount or auto-fill from a Cohort 2 MSME. Choose a rate scenario and see your returns with a full repayment schedule. Moratorium (3 months) and repayment (6 months) are fixed.

Market Performance Scenario

Funding Type

Your Investment

Enter any amount, or select an MSME to auto-fill their capital ask

Investment Amount (ZAR)

Or Auto-fill from MSME Cohort 2

Interest Rate Scenario (SA bank ~28% p.a.)

Moratorium

3 mo.

No repayments

Repayment

6 mo.

Principal + interest

Full Cycle

9 mo.

Total duration

Total Returned to You After 9 Months

R34,650

R33,000 principal + R1,650 interest at 10% p.a.

Interest Earned

R1,650

Monthly (Mo. 4–9)

R5,775

Rate p.a.

10%

Your Principal

R33,000

Capital deployed

Interest at Selected Rate

R1,650

10% · 6-month window

Total Return @ 18%

R35,970

+R2,970 interest

Total Return @ 26%

R37,290

+R4,290 interest

Month-by-Month Repayment Schedule

Moratorium — no payment

Repayment month

🌍 Your Impact as an Angel Investor

MSME supportedCustom amount

Jobs supported / enabled—

Business stage—

Country—

Funding typeLoan — repayable

Capital loss riskLow — milestone-gated disbursements

Investment Alternative Comparison

How Does TCC Compare?

Every investment through TCC is a partnership — you back a real person building a real business, and the numbers below show what that looks like compared to going it alone elsewhere.

TCC — Shared Investment

Peer-to-peer · community-first · loan or seed donation

Loan or Donation

10% p.a.

R1,650

on R33k

18% p.a.

R2,970

on R33k

26% p.a.

R4,290

on R33k

Risk approachStructured support — you stay in control of deployment pace

Investment cycleShort-term · sponsor & MSME agree terms together

Trust & accountability✓ Supported by TCC — both parties protected

Transparency✓ You see the business, the plan, the person

Community impact✓ Real jobs · real sector · shared prosperity

Donation option✓ Seed a business idea you believe in — no repayment required

🌍 The Opportunity — Backing Africa's Builders

"SA retail investors informally deploy between R84,500 and R450,000 into MSMEs — but without structure, protection, or visibility."

"The average MSME in South Africa needs between R90,000 and R250,000 to grow. TCC's Cohort 2 proof of concept needed R33,000."

💡 TCC bridges this gap — not by extracting returns from entrepreneurs, but by creating a shared stake. When the MSME grows, the community grows. When the sponsor earns, the builder earns. That's shared prosperity — and TCC makes it structured, visible, and safe for both sides.

SA Bank Fixed Deposit / Money MarketLow Risk

Return: 7–9% p.a. · SA prime-linked

Capital loss: Very low

Impact: None

A safe store of value — but passive. Your money works in a vault, not in a community.

JSE Equity / ETFsHigh Risk

Return: Variable — could exceed 15%, or drop 20–30%

Capital loss: Possible any 9-month window

Returns are possible, but so are losses — and your capital has no story, no face, no community behind it.

Cryptocurrency (BTC/ETH)Very High Risk

Return: Uncapped — but 50–80% drops are common

Impact: None

High-variance speculation. No business behind it, no employment created, no shared purpose.

Informal Peer Lending (no structure)High Risk

Capital loss: High — no governance, no recourse

Impact: Some — but untracked

Goodwill without structure often ends in loss — for both sides. TCC gives informal trust a formal spine.

MSME Financial Model Simulator

Model Your Business — Investor-Ready in Minutes

Enter your business details below to generate a complete financial model: revenue projections, repayment schedule, gross profit, cash burn, and unit economics. Outputs update live in ZAR or USD. Your model is sent directly to TCC for review.

Output Currency: 1 USD = R18.50 · Live rate

Business Inputs

All fields marked * required for a complete model

📋 Data Notice — By submitting this form, you consent to your information being visible to The Closed Circuit (TCC). If we believe your business may be a good fit for our proof of concept, we may reach out to you directly. theclosedcircuit.info

Business Identity

Business Name * i

Year Founded * i

Industry / Sector * i

Business Stage * i

Area of Operations * i

Country i

Current Staff Count * i

Projected Staff (12 months) i

Revenue & Costs

Monthly Revenue (ZAR) * i

Revenue Growth Rate / month (%) i

Monthly Cost of Sales (ZAR) i

Monthly Operating Expenses (ZAR) i

Monthly Staff/Owner Draw (ZAR) i

Profit Margin (%) i

Capital & Funding

Capital Ask (ZAR) * i

Use of Capital * i

Preferred Interest Rate (%) i

Repayment Preference i

Existing Debt (ZAR) i

Monthly Debt Repayment (ZAR) i what you currently pay per month toward existing debt

Owner / Contact

Owner Name * i

Email Address * i

Phone / WhatsApp i

CIPC Registration i

Brief Business Description i

12-Month Revenue

—

Projected

Total Return to Investor

—

Principal + interest

Gross Profit (Year 1)

—

After COGS

Monthly Interest

—

Earned by investor

Effective Annual Return

—

On capital deployed

Gross Profit Margin

—

Revenue − COGS

Monthly Repayment

—

MSME pays investor

Break-even Month

—

Repayment coverage

LTV : CAC Ratio

—

Investor perspective

Projected Monthly Revenue — 12 Months

Monthly Revenue

Gross Profit

Cash Position After Capital Deployment

Cash on Hand

Monthly Burn

Investor Repayment Schedule

Month	Opening Balance	Repayment	Interest	Principal	Closing Balance

Unit Economics Summary — Investor View

⚠ Important Notice — This financial model is a simulator and complimentary planning tool. It does not constitute financial, investment, or business advice. TCC is not a registered financial adviser. All projections are estimates based on your inputs — actual results will vary. Use this as a starting point for your own planning, not as a guarantee of outcomes.

✓ Model submitted to TCC — Your financial model has been received. A TCC advisor may reach out to discuss investment options for your business.

Portfolio Builder

Build Your MSME Investment Portfolio

Select multiple MSMEs to sponsor and see your combined investment position, returns across all rate scenarios, and portfolio totals. New MSMEs added via the application form appear here automatically.

Include	MSME Candidate	Sector	Country	Stage	Capital Ask	Return @ 10%	Return @ 18%	Return @ 26%	Interest (Low)	Interest (High)

MSMEs Selected

of 5 candidates

Total Capital Deployed

Your investment

Total Return @ 10%

Conservative

Total Return @ 26%

High scenario

Net Interest (26%)

Total profit

Geographic Employment Impact

Where Your Investment Lands

Every investment through TCC creates employment in a specific community. Click any dot to explore its detail, then activate the ripple animation to visualise post-investment employment growth.

Filter:

Southern Africa + Nigeria

Pre-investment

Funded (Cohort 2)

New (Applied)

Click to visualise post-investment employment ripples

Click any dot to explore

Cohort 2 · Total Employment Impact

Current Jobs

10+

After Investment

10+

TCC's capital funds employment in communities where formal jobs are scarce. Each MSME is a micro-employer whose capacity grows with capital access.

Selected MSME

MSME Application

Apply for Investment Through TCC

Fill in your business details below. Your MSME is instantly added to the investment simulator, portfolio builder, impact map, and all calculations on this page. Investors see you in real time. The original 5 Cohort 2 candidates are always kept — you are added alongside them.

Your Business Details

Fields marked * are required · Your submission is stored for TCC review

Business Name *

Owner / Founder Name *

Email Address *

Phone / WhatsApp

Business Sector *

Business Stage *

Country *

City / Area *

Years Operating

Current Employees

Monthly Revenue (ZAR)

Capital Ask (ZAR) *

Use of Funds * (describe exactly how capital will be used)

Monthly Profit / Margin

CIPC Registration Status

Live Return Preview — As Investors Will See It

📋

Enter business name + capital ask to see live preview

What Happens When You Submit

01Appears in the Simulator dropdown — investors can model returns on your ask

02Added to the Portfolio Builder table with a checkbox for investor selection

03A location dot appears on the Impact Map with employment ripple animation

04Your row appears in the Cohort Data table at the bottom

05All cohort totals update to include your capital need and employment impact

✓ Added to Toolkit

Market Performance Scenarios

Understanding the Three Scenarios

TCC's financial model defines three market performance levels derived from anecdotal research into SA retail investor behaviour and MSME capital needs. These drive investment sizing, matching ratios, and transaction volumes in the simulator.

Metric	🔼 High Performance	➡ Average Performance	🔽 Low Performance	Source / Benchmark
Investment Per Sponsor	R450,000	R140,000	R84,500	SA retail investor median R165k; top ticket R450k; diaspora $5,000 USD
Business Plans Per Sponsor	3 plans	1–2 plans	1 plan	Willingness-to-fund research
MSME Fundraising Per Plan	R250,000	R140,000	R90,000	SA MSME capital need: R90k–R250k; PoC anchor R33,000
MSME Interest Rate	26% p.a.	18% p.a.	10% p.a.	Benchmarked against SA bank business lending rate ~28% p.a.
Target Sponsors · 2026	20+	20	10–15	TCC target: May–Dec 2026
Predicted Transaction Volume	R18,000,000+	R9,000,000	R4,000,000	20 sponsors × investment per scenario
TCC Platform Fee (Sponsor)	7%	7%	7%	Fixed platform fee on loan sponsors
TCC Platform Fee (Interest)	3%	3%	3%	Fixed fee on beneficiary interest repayments

High Performance

R450k / sponsor

One angel investor funds 3 MSME business plans at R140k average. At 26% interest, R117,000 earned over 9 months.

Average Performance

R140k / sponsor

One angel investor funds 1–2 MSME business plans. At 18% on R140k, R12,600 interest earned over 9 months.

Low Performance

R84.5k / sponsor

One angel investor funds 1 MSME business plan. At 10% on R84.5k, R4,225 interest earned over 9 months.

Make informed capital decisions for Africa's next wave of entrepreneurs.

Simulate Your Investment Return

How Does TCC Compare?

Model Your Business — Investor-Ready in Minutes

Build Your MSME Investment Portfolio

Where Your Investment Lands

Apply for Investment Through TCC

Understanding the Three Scenarios

The power to invest confidently — in your pocket.