BIG Stokvel is an equity crowdfunding platform that focus on Investments in Business Opportunities in South Africa and the acquisition of highly profitable business entities.
You can also call it a Syndicated Funding Platform – a group of people coming together, pooling their funds to purchase shares in profitable businesses in a controlled and managed process.
BIG Stokvel create ownership opportunities for its members

Equity Crowdfunding is a new way to invest in SMEs.  Multiple investors contribute to innovative business pitches in exchange for equity shares in the company. Raising capital alongside multiple sources reduces the investment risk. Businesses gain validation and build brand awareness through the capital raising process.

  • Whether you are a novice or professional Investor, you can register on our website and choose the business you want to invest in.
  • You upload your FICA documentation and select the amount you wish to invest, and transfer the funds.
  • The funds are held in a trust account until the campaign is closed.
  • If at campaign close, the funding round is successful then the business receives the funds, you will be issued shares and you will be a shareholder of a South African business.
  • If the campaign is not successful, then your funds will be returned to you less the bank charges or transaction fees OR you may transfer your funds to another project or business opportunity.
  • EFT fee, R10.00,
  • Instant EFT 1.5% of the transaction value
  • Credit/debit card 2.5%, of transaction value
  • IPay 2.5 % of transaction value
  • Webtickets 5% of transaction value
  • Quicket 4.9% of transaction value + R5 per transaction
  • The minimum you can invest will depend per opportunity and starts with a minimum of R200 per transaction or any amount in increments of R200 eg. R1000 or R3000 or R5000 and so on.
  • The minimum value will be different per opportunity.
  • Stokvel members may invest as often as they like in as many business opportunities as they like.

If  you are a South African Stokvel Member you can pay online via a number of Stokvel payment Portals which includes

  • Webtickets or at any PicknPay Store countrywide. You can also go to and pay for your shares online.
  • IPay

If you are a Stokvel Member from another country (not South Africa) you may use the Ipay portal and pay with your visa or master card.

  • Once you have registered on the website as a member you will get a unique membership profile and all your investments will be allocated to your profile.
  • You will get a payment confirmation from the payment portal you used to make the payment.
  • It is important to only invest spare cash and not to use funds that you have to borrow from somewhere.
  • Never invest more than 10% of your disposable income.
  • Every time you make a payment you will receive a confirmation to the value of your payment and it will be allocated against your profile.
  • The receipt is proof that you have made payment and must be kept in a safe location.


  • We link your payment to your unique membership profile.
  • Once you agree to invest, your funds will be used to purchase your shares and you will be issued a share certificate in the business you chose to invest in and for the value you selected to invest.
  • The Share price will be different from opportunity to opportunity.
  • The option of purchasing of shares will exclusive and limited only to Stokvel members.
  • You can purchase as often as you like or as your spare money becomes available.
  • It is not wise to borrow money to invest but to use money that is spare.
  • You will not always receive a monthly income from your investment.
  • You must see this as a 5 year plan
  •  The 5 year period starts once you have signed a shareholder agreement and a purchase of a business has been concluded between yourself and the company.
  • The business should show growth every year and you will be kept informed of the progress throughout the investment period.
  • We don’t promise any excessive growth % in any of our business investment opportunities as there are many factors that impact on the final growth %.
  • You can expect a reasonable growth of between 10 – 15 % per annum.
  • It is important to note that our projections for the initial period of 5 years are based on a conservative investment view.
  • Our projections will be adjusted on an ongoing basis and communicated to the Stokvel members.

The campaign to raise capital (funds) lasts normally about 3 months or 90 days. We might decide to extend it for a few more days depending on the interest in the business opportunity.

Once the campaign is closed and sufficient capital has been raised it takes about 2-4 weeks to establish the NEWCO (New Company) that will invest in the business opportunity.

It takes a further 2 weeks to issue all the share certificates to the new shareholders.

The initial 5 year investment period starts on the day that you sign the Shareholders Agreement for the business that you have decided to invest in.

You should receive your share certificates about 2 weeks after you signed the Shareholders Agreement.

  • We see most investments as a long-term project 5 years and you should not invest borrowed money.
  • You should only invest additional money that you won’t need in the short to medium term.
  • You can get your money back at any time during the 5 years or investment period but you will only get back what you have contributed plus growth or losses minus a 10% admin fee. The admin fee also takes care of money transfer costs.
  • Members can exit at any time by selling their shares OTC (over the counter ) to other members or new Stokvel members / investors. The BIG Stokvel will facilitate the transaction between members for 10% of the transaction value.
  • In the event that a member wishes to withdraw funds that have been used to purchase shares, the member will give 7 days notice of request to sell shares. The Stokvel will offer the shares to other Stokvel members and only once a transaction has been concluded between the parties will the funds become available to the member minus a 10% administration fee.
  • HOWEVER If you wait for the 5 years to pass you should receive a tidy profit either in the form of dividends or the sale of your shares at a higher price than what you paid for it in the beginning of the 5 year period.
  • We can sell the business or our shares and cash in.
  • We can continue with the business and grow our balance sheet and assets and start reaping the fruits of our investment through exponential growth and receive annual returns in the form of dividends.


  • As our business portfolio increases more people are required to assist with managing and working in the businesses.
  • These jobs become sustainable over time.

We will give Stokvel members preference when recruiting Management & Staff wherever possible. Should jobs become available we will advertise it on our website.

There are many risks in business and it is acknowledged that risk and uncertainty have a great impact in business world-wide. Business people and companies are exposed to the difficulties of the market environment daily. Businesses face all kinds of risks, some of which can cause serious loss of profits or even bankruptcy. Below are a few of the risks associated with business.

Financial Risk

Most categories of risk have a financial impact, in terms of extra costs or lost revenue. But the category of financial risk refers specifically to the money flowing in and out of your business, and the possibility of a sudden financial loss.
Business Debt also falls under financial risk and makes debt management a very large component of managing your business.

Operational Risk

Operational risk refers to an unexpected failure in a company’s day-to-day operations. It could be a technical failure, like a server outage, or it could be caused by people or processes.
In some cases, operational risk can also stem from events outside your control, such as a natural disaster, or a power cut, or a problem with your website host.  Anything that interrupts your company’s core operations comes under the category of operational risk.
Operational risks can have a big impact on a company. Not only is there the cost of fixing the problem, but operational issues can also prevent customer orders from being delivered or make it impossible to contact you, resulting in a loss of revenue and damage to your reputation.

Management Risk

Your business needs to be in best hands that your money can buy. It is advisable to surround yourself with competent people.

Strategic Risk

Everyone knows that a successful business needs a comprehensive, well-thought-out business plan. But it’s also a fact of life that things change, and your best-laid plans can sometimes come to look very outdated, very quickly.

This is called strategic risk. It’s the risk that your company’s strategy becomes less effective and your company struggles to reach its goals as a result. It could be due to technological changes, a powerful new competitor entering the market, shifts in customer demand, spikes in the costs of raw materials, or any number of other large-scale changes.

Compliance & Governance Risk

This refers to complying with all the necessary laws and regulations that apply to a business
Laws change all the time, and there’s always a risk that business will face additional regulations in the future. And as a business expands, you might find yourself needing to comply with new rules that didn’t apply to you before.

Reputational Risk

Reputational risk is a threat or danger to the good name or standing of a business or entity. Reputational risk can occur through a number of ways: directly as the result of the actions of the company itself; indirectly due to the actions of an employee or employees; or tangentially through other peripheral parties, such as joint venture partners or suppliers. In addition to having good governance practices and transparency, companies need to be socially responsible and environmentally conscious to avoid or minimize reputational risk.

Production Risk

Production risk is the variability inherent in the production process itself. It can be impacted on by many factors.
BIG Stokvel attempts to mitigate this risk by staying abreast of the developments in Business practice. It is easier for a business concern such as BIG Stokvel to do this, than for individual business owners.

Price Risk

Price risk is associated with fluctuations in the price of purchased inputs such as Raw Materials & Cost of Sales and saleable outputs (the products or services that we sell).
BIG Stokvel attempts to mitigate this risk by creating a brand, the BIG brand, which will be sought out and bought by customers who are prepared to pay a premium for quality products & services. Furthermore, economies of scale will allow BIG to negotiate from a stronger position, both with suppliers and with customers.

Sovereign Risk

The risk associated with government policy creates uncertainty in forecasting the prospects for BIG. In particular, agricultural policy, land restitution policy, black economic empowerment policy, Fiscal & tax policies and the possibility of food security legislation and the overall political stability of South Africa may have a direct impact.

Climate Risk

Climate change, droughts and the impact of fracking in the Karoo are environmental risks that aggravate the traditional risk of unpredictable rainfall and other weather conditions – factors that in themselves present risks to any business operation.
BIG aims to mitigate this risk through careful selection of business opportunities, and areas of operation ensuring that climate risk impact is minimised.

Other Risks

Other risks include:
Technological risk, legal risk and human risk.
BIG aims to mitigate these risks by keeping abreast of technological advances in business, relying on expert legal advice, and focusing its empowerment efforts on its most critical success factor, namely motivated and qualified staff.
Key man risk is also a factor but can be mitigated through our scalable management, succession planning and staff structures.
Remember that because BIG plans to have lots of businesses the RISK is also spread over many businesses… this means that we can identify a problem/risk, isolate it and deal with it.

The “BIG” concept minimise risk and if there is a problem in 1 business it does not necessary affect the other businesses.

If we do not buy into a business for some reason ( For example the opportunity could be withdrawn or could be sold to someone else) but you have already made contributions, your stokvel funds will still be safe in the Stokvel trust account and until such time that the funds are not invested you may withdraw your contributions at any time.
You will be offered the opportunity to either request a refund of your funds or transfer your funds to another project. The choice will always be yours.

  • It does happen at times that businesses don’t grow in value but with our systems, management information and processes we will hopefully identify problems very quickly and do something about it.
  • The starting point is that we only invest in sustainable and profitable business with a track record and good potential.
  • You will receive quarterly newsletters and statistics as well as a more comprehensive report with financial information on a regular basis.
  • You will also be invited to the annual general meeting of the shareholders.
  • The independent auditors is a reputable and well known auditing firm with branches all over South Africa will audit our financials and assist with stocktakes on an annual basis.
  • Their audit report forms an integral part of the annual financial statements that you as a stakeholder and shareholder will receive annually.
  • The quarterly newsletters will also keep you posted.

One of the largest auditing companies in South Africa is our auditor. They audit the integrity of our business to ensure that your investment is in good hands. They also audit our financial statements.

A share certificate is a certificate issued by a company certifying that on the date the certificate is issued a certain person or entity is the registered owner of shares in the company.

The key information contained in the share certificate is:

  • the name of the shareholder
  • the id or registration number of the person or the entity
  • the address of the shareholder.
  • the number of shares held

A share certificate is a legal document that is issued to a shareholder to confirm ownership of a certain number of shares in a limited company from a specific date. Limited companies issues share certificates to their shareholders when they purchase shares after company formation.apibus leo.

The company must issue a share certificate within two months of the issue or transfer of any shares. Companies may issue just one certificate for all the shares issued or transferred at a particular time, except if a shareholder requests separate certificates.

Yes, if you are a member of our BIG Stokvel you may invest on our platform.

Yes you can make your shares available to other Stokvel members and we will help you to sell your shares.

Please note that there is a 10% handling/admin fee payable when you sell your shares.eo.

This will depend on the value of the shares at the time

There are many calculation methods but the standard practice is to calculate your earnings per share. For example, a company with 10,000 shares and earnings of R1,000,000 will have earnings of R10 a share.
The method we will use will be described in the Shareholders agreement and might be different from business to business.

Earnings per share (EPS) (net profit divided by the number of shares)
Earnings per share is calculated as: Total net income available to common shareholders (shareholders of common stock) divided by the number of common shareholders.

Financial Intelligence Centre Act 38 of 2001
South Africa introduced FICA in 2001 to help fight financial crimes such as money laundering, the financing of terrorist activities, and to protect banking customers from such crimes. According to FICA, banks must ensure that the customer information that the bank keeps is correct and up to date as it is important for banks to know their customers.

Any one of the following valid documents reflecting your name and physical residential address

  • Utility bill, e.g. municipal water and lights account or property managing agent statement.
  • Bank statement.
  • Municipal councillor’s letter.
  • Tax certificate.
  • Recent active lease or rental agreement.
  • Municipal rates and taxes invoice not older than 3 months.
  • Account statement from a NCR (National Credit Regulator) registered service 
provider (NCR number must be visible/recorded on the document).
  • Security service providers registered with PSIRA (Private Security Industry Regulatory Authority), e.g.Chubb, ADT (PSIRA number must be visible/ recorded on the document).
  • Telephone or cellular telephone statement.
  • Official SARS document.
  • Valid television license renewal letter.
  • Television license renewal/confirmation letter.
  • Subscription TV, e.g. MultiChoice statement.
  • Home loan statement from another financial institution.
  • Long/short term insurance policy documents (FSB number must be visible/recorded on the document).
  • Motor vehicle registration/license documents.
  • Body corporate/governing body letter or statement.
  • Official employer letter for employees residing on company/ institution premises.
  • Official university/Technicon/college or tertiary institution registration letter.
  • Affidavit to confirm address (only applicable to individuals).
  • Posted traffic fine from a Metro police department.
  • Medical aid statement or policy document (policy number must be visible on the document).

This will be a pre-requisite in the shareholder agreement.

It a sum of money paid to shareholders of a company out of net profits and is generally tax free in the hands of the recipient.

However, since dividends are income tax exempt does not mean that dividends are not subject to any tax whatsoever. Dividends are still subject to the dividends tax, which is a tax levied at 15% of dividends received, and are taxed in the hands of the recipient taxpayer. The tax also operates as a withholding tax; in other words the tax is withheld by the company declaring the dividend and paid over by it directly to SARS on the taxpayer’s behalf. For example, imagine that a company declares a dividend of R100 to a shareholder. Of this amount, only R85 is paid over to the shareholder, with the remaining R15 being paid to SARS on the taxpayer’s behalf.

Please consult your own tax specialist the above explanation is just general information and subject to change.

BIG Stokvel collects and pools together a variety of businesses on one platform. These businesses have been selected to include high quality deal flows with all necessary basic legal checks and compliance in place. Think of it as your ‘online shop’ for business investment.
As an investor you should not rely only on the information presented on our website as any investment has associated risks. You are encouraged to do you own homework and make you own decision and to consult your own professional advisors.

When a pitch has reached 100% of its funding target the business may choose to overfund. This is where the company can choose to accept further investment in exchange for releasing more equity. Businesses are not required to accept further investment once their funding target has been reached.

Anyone who invests while a business is overfunding has exactly the same rights as those who invested before overfunding.

Please email or fill in the form below.

You have to complete the membership registration.

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