Altvest Credit Opportunities Fund Impact Series: Rooted in South Africa - How BraaiBroekies Found Its Market and Its Funding Partner - Part 2 Great investing isn’t about predicting the future. It’s about preparation, diversification and demanding clear information. That’s the lens we bring to every business ACOF backs, and BraaiBroekies is a standout example of a business that has grown, evolved and moved into a stronger ownership position. Now watch the next chapter of the @braaibroekies story. Hear how founder Natasha Liddiard’s business connects so powerfully with the South African market, and how she first heard about ACOF: youtu.be/336MTRWarIc Follow the ACOF Impact Series so you don’t miss the next chapter. Got questions about how private credit really works? Reach out to the team. Could your business be our next success story? Start your journey at acof.co.za #ACOFImpactSeries #RiskAndReturn #FinancialLiteracy #PrivateCredit #ACOF #BraaiBroekies #SMEFunding #ImpactInvesting

Altvest Credit Opportunities Fund Impact Series: From Backyard Braai to Business Builder - The BraaiBroekies Story - Part 1 In our previous series, we featured BraaiBroekies, and for those who missed it, this week we are turning the spotlight on the impact of the Altvest Credit Opportunities Fund (ACOF). At ACOF, our private credit investment team backs South African small businesses with the capital they need to grow, creating jobs, strengthening local communities and earning a return as these enterprises scale. BraaiBroekies is a standout example of what patient, purposeful capital can unlock. The story is best told by the founder Natasha Liddiard herself. Listen to entrepreneur natashaliddiard share the impact and journey behind @BraaiBroekies - youtu.be/ENiPfmgqJeA Follow the ACOF Impact Series for the full story, with new chapters released throughout the week. Ready to find your place as an investor with us? Reach out to the team. Is your scaling business investor ready? Find out at acof.co.za #ACOFImpactSeries #ACOF #BraaiBroekies #ImpactInvesting #SMEFunding

ACOF Financial Skills Week Debt Management The right debt helps a business grow. The wrong repayment quietly drains it. Borrowing can give a business room to grow, but every repayment has to fit the cash coming in. The real test is not what the business can afford in a strong month, but what it can afford in a slow one. The latest OECD South Africa data show that 5.09% of SME loans, roughly 1 in 20, were reported as non-performing in 2024. The fix: before you borrow, test whether your income can comfortably cover each repayment in your slowest month, with room to spare. At ACOF, we know funding needs to make sense for your business and its plans. Reach out to us or visit acof.co.za to discuss funding for your business. Up next: Day 3 - Financial Record Keeping, and how clear records can support funding conversations. #ACOF #SMESupport #DebtManagement #FinancialSkillsWeek #SouthAfricanSMEs Source: OECD, Financing SMEs and Entrepreneurs 2026: South Africa, Table 40.1. This is the share of SME loans reported as non-performing; it does not show why they became non-performing.

ACOF Financial Skills Week Cash Flow Management Profit on paper does not pay the rent on Friday. A business can have strong sales and still struggle to cover salaries, suppliers and everyday costs. Cash leaves on fixed dates, but it arrives on someone else's schedule. Late payment remains a challenge across the economy. At the end of March 2026, national and provincial departments had 88,403 invoices older than 30 days still unpaid, worth R16.8 billion. The fix: build a simple 13-week cash flow forecast. Map what you expect to receive and what you must pay out each week, spot potential gaps early and follow up on overdue payments promptly. At ACOF, we know every SME's journey is different. That is why we are committed to helping businesses build the knowledge and resilience to navigate challenges and keep moving forward. Reach out to us or visit acof.co.za Up next: Day 2 - Debt Management. #ACOF #SMESupport #CashFlow #FinancialSkillsWeek #SouthAfricanSMEs Source: National Treasury, Annual Report on Non-Compliance with Payments of Suppliers’ Invoices within 30 Days, 2025/26. Covers national and provincial department invoices unpaid beyond 30 days at the end of March 2026.

That's a wrap on World Investor Week. In the final part of the BraaiBroekies story, Natasha Liddiard speaks about why SME funding matters so much for South African entrepreneurs, and shares her message of thanks to ACOF. Watch it here: youtu.be/Rstj6-ENszA Natasha is more than a founder. She is driving women's economic empowerment and creating employment through her business, proof that when capital backs a woman-led SME, the impact reaches far beyond the balance sheet. Small businesses create the jobs, the products and the momentum, and when capital finds them, everyone wins. Curious about the investment side of SME funding? Reach out to the team. Is your business ready for its next chapter? Take the first step at acof.co.za #WorldInvestorWeek #SMEFunding #WomenEmpowerment #ImpactInvesting #ACOF #BraaiBroekies #SouthAfricanEntrepreneurs

It's World Investor Week, and we're closing it with the part that matters most: PROOF. All week we've explained how investing works and how to weigh risk against return. Now see what happens when the right funding meets a real South African business. Watch Part 3 of the BraaiBroekies story. Natasha Liddiard shares how ACOF funding has transformed her business, from the first time she saw her product on a shelf to being stocked in more than 100 stores across Africa. Plus, hear the most unexpected place a customer has told her they wiped their hands: youtu.be/q7v5s5QBbgo No hype. Just a founder, a business and the difference patient, structured capital can make. Want to see how ACOF backs South African entrepreneurs? Reach out to the team. Is your business worth backing? Show us why at acof.co.za #WorldInvestorWeek #InvestmentStories #ImpactInvesting #ACOF #BraaiBroekies #SouthAfricanEntrepreneurs #BackedByACOF

It's World Investor Week! Great investing isn't about predicting the future. It's about preparation, diversification and demanding clear information. That's the lens we bring to every business ACOF backs, and BraaiBroekies is a standout example of a business that has grown, evolved and moved into a stronger ownership position. Now watch Part 2 of the BraaiBroekies story. Hear how her business connects so powerfully with the South African market, and how she first heard about ACOF: youtu.be/336MTRWarIc Got questions about how private credit really works? Reach out to the team. Could your business be our next success story? Start your journey at acof.co.za #WorldInvestorWeek #RiskAndReturn #FinancialLiteracy #PrivateCredit #ACOF #BraaiBroekies #SMEFunding

It’s World Investor Week, and we are kicking it off by demonstrating real-world investment impact! At ACOF, our private credit investment team, fuels impactful South African small businesses and earns as these companies grow. And one of our absolute favourites is BraaiBroekies. Their journey is bold, it is real, and it is best told by the founder herself. Watch Part 1 of BraaiBroekies journey - youtu.be/ENiPfmgqJeA Ready to find your place as an investor with us? Please reach out to the team. Is your scaling business investor ready? Find out at acof.co.za

The past month tested our organisation. It also revealed our leaders. We are pleased to announce the strengthening of our executive leadership team as Africa Bitcoin Corporation (ABC) enters its next phase of growth. Nicolas Mugisha joins us as Chief Investment Officer and Chrizelle van der Colff as Chief Operating Officer. They will work alongside Jonathan Phillips, who continues in his role as Chief Financial Officer. These appointments represent an important next step for our business. Our focus is increasingly on execution, capital deployment, operational excellence and growth. To learn more about ABC and what this means for our investors and partners, reach out to the team or visit africabitcoincorporation.com Read more: africabitcoincorporation.com… #AfricaBitcoinCorporation #ABC #Leadership #Bitcoin #CapitalMarkets #JSE #InvestorRelations

Protect first, then grow. For a business owner, protection works on four levels: you and your family, the business and its co-owners, your team, and the premises, systems and income everything runs on. The most common gaps are personal cover that does not match your obligations to the business, buy-and-sell agreements that are unsigned or outdated, commercial cover that has not kept pace with growth, and a retirement plan that relies on selling the business one day. Before you buy any cover, ask: What is covered, and what is not? Check the definitions, waiting periods and exclusions. Is the amount enough to replace the asset or the income needed? Who owns the policy, and who is paid? When will it be reviewed? Is the adviser authorised? Check the FSP number on the FSCA register. Ready to close the gaps? Reach out to the team at Altvest Wealth (FSP 45810) and build protection that grows with your business. Altvest Wealth is a listed African financial services group focused on SMEs and the people who run them. ACOF provides funding to small and medium enterprises. JSE: BAC | A2X: BAC | NSX: BAN | OTCQB: AFBCF | Frankfurt: 4BC #ProtectAndGrow #BusinessProtection #SMEs #AltvestWealth

If your income stopped tomorrow, how long could your family maintain their lifestyle? Life cover pays a lump sum to your loved ones if you pass away, helping them settle debts like a home loan, cover living costs and keep plans such as your children's education on track. The right amount is a calculation, not a guess. Do you know your number, and when last did you review it? Did you know? With a nominated beneficiary, the payout goes directly to them, without waiting months for your estate to be wound up. Visit altvestwealth.co.za or reach out to the team to find the right cover for you. #LifeCover #FinancialPlanning #ProtectYourFamily #AltvestWealth #FinancialLiteracy Altvest Wealth (Pty) Ltd is an authorised Financial Services Provider (FSP 45810) and a division of Africa Bitcoin Corporation (JSE: BAC | A2X: BAC | NSX: BAN | OTCQB: AFBCF | Frankfurt: 4BC | Aquis: ABC). This post is for educational purposes only and does not constitute financial advice.

Protect and Grow with Altvest Wealth | Part 2: Disability Cover Yesterday we looked at saving for retirement. But every rand you put away depends on one thing: your ability to earn it. Your ability to earn an income is your biggest asset. Is it insured? We insure our homes, cars and phones, but rarely the income that pays for them. Disability cover pays a lump sum or a monthly income if illness or injury stops you from working, so your bills stay paid while you recover. Could your household survive six months without your salary? Did you know? ASISA's Insurance Gap Study shows that South Africans' shortfall on disability cover is even larger than their shortfall on life cover. Visit altvestwealth.co.za or reach out to the team to find the right cover for you. #DisabilityCover #IncomeProtection #FinancialWellness #AltvestWealth #ProtectAndGrow Altvest Wealth (Pty) Ltd is an authorised Financial Services Provider (FSP 45810) and a division of Africa Bitcoin Corporation (JSE: BAC | A2X: BAC | NSX: BAN | OTCQB: AFBCF | Frankfurt: 4BC | Aquis: ABC). This post is for educational purposes only and does not constitute financial advice.

Protect and Grow with Altvest Wealth This week, Altvest Wealth is running a five-part educational series on the products that protect your family, your income and your future: life cover, disability cover, dread disease and critical illness cover, funeral insurance and retirement annuities. Follow along and share with someone who needs it. How many years of your current lifestyle have you already saved for? A retirement annuity is one of the most tax-efficient ways to save. Contributions are deductible up to 27.5% of taxable income (to a maximum of R350,000 a year), and income, capital gains and dividends in the fund are tax-free. The Altvest Retirement Annuity invests in a Regulation 28 compliant portfolio with a 20% allocation to alternative assets curated by Altvest Capital, at a fixed fee of 1.00% a year before advisory fees (excl. VAT). Are you using your full tax deduction? Did you know? A portion of your Altvest Retirement Annuity is directed to South African businesses, giving them capital to grow and create jobs, so your retirement savings work for you and for the economy. Visit altvestwealth.co.za or reach out to the team to find the right retirement solution for you. #RetirementAnnuity #RetirementPlanning #TaxSaving #AltvestWealth #ProtectAndGrow

You have done the groundwork. Here is how to finish strong. You now understand your funding purpose, your financial documentation, and your credit profile. The final step is making sure your application is complete and accurate from the outset - incomplete applications are the single biggest cause of delay in private credit approvals. Before submission, confirm you have: - Company and director information, including ID and contact details - Next-of-kin details for all directors: name, contact number, and email - A clear, written description of the nature of your business - Your requested loan amount, proposed term, and a specific, well-articulated purpose for the funds - Disclosure of existing loans and your current B-BBEE level Credit Manager's Tip: Treat your application like a first impression, because it is one. A complete, accurate submission signals that you run your business with discipline and foresight - exactly the kind of SME we want to fund. You are funding-ready. Now let's put that readiness to work. Visit acof.co.za to start your application, or reach out to the ACOF team directly - we are here to help you access the working capital, asset-backed funding, or energy and water security solutions your business needs to grow. #GettingFundingReady #SMEFunding #ACOF #FundingSuccess

Existing debt is not a red flag - undisclosed debt is. What damages an SME funding application isn't the debt itself, it's the lack of transparency around it. Before you apply, be ready to answer: What are your current loan balances and repayment terms? Is your business up to date on all obligations? What is your B-BBEE level, and can you certify it? Credit Manager's Tip: Full disclosure builds trust and speed. A well-explained loan with a clean repayment history strengthens your application far more than one that surfaces later in due diligence. Next up: A submission-ready checklist, covering the director and next-of-kin details first-time applicants often miss. Get your credit profile in order, and reach out to the ACOF team at acof.co.za. #GettingFundingReady #SMEFunding #ACOF #CreditReady

Your financials tell your story before you say a word. In private credit lending, documentation is not a formality, it is the evidence base for every decision we make. The stronger and more organised your financial record, the faster and more confidently we can assess your application. Industry-standard documentation typically includes: - Company registration documents (CIPC) and VAT registration, where applicable - Latest audited or management financial statements - Three to six months of business bank statements - Cash flow projections covering the loan term - Proof of business address and operating details Credit Manager's Tip: Do not wait until you apply to gather these documents. Keep a "funding-ready folder" updated monthly. When opportunity or urgent need arises, you will not be scrambling - you will be ready to move. In Part 3, we will show you how your existing debt and credit profile shape your application, and how to present them in your favour. Start organising your documentation today, and explore ACOF's funding solutions at acof.co.za #GettingFundingReady #SMEFunding #ACOF #FinancialLiteracy

Know Your Business Before You Ask for Funding Every successful application starts with clarity. Lenders don't just want to know how much you need - they want to know why, and what it will achieve. Ask yourself: What problem will this funding solve? What outcome will it produce for your business? Can you explain your need in two sentences, no jargon? Vague answers slow approvals. Precise answers speed them up. Credit Manager's Tip: Know your "why" before your "how much." This week, we're showing you how to get funding-ready. Next up - the documents lenders expect to see. Visit acof.co.za to find out more. #GettingFundingReady #SMEFunding #ACOF #BusinessGrowth