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Our Model

With an innovative guarantee model, Shared Interest is committed to creating systemic change by partnering with Southern African Program Consultants and moving banks to lend to low-income Black communities in rural areas and townships.

Our Impact Model

Our Impact Model

The new and innovative Shared Interest Partnership Model advances economic empowerment and impact by opening up financial access to the region's most promising Black entrepreneurs and small and medium-sized enterprises.

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Our Innovative 5 Step Approach


Investors invest in Shared Interest to empower Black entrepreneurs in Southern Africa.


Shared Interest & Program Consultants seek and vet entrepreneurs, and Small and Growing Businesses (SGBs).


Shared Interest partners with entrepreneurs to identify an appropriate lender to provide their enterprise with access to the best-aligned credit product.


Shared Interest & Program Consultants support entrepreneurs by negotiating the best terms and providing a guarantee using the capital borrowed from investors to fund specific projects. 


Entrepreneurs use the funds received to serve their communities, create new jobs, and scale their businesses, subsequently repaying the loan.

How We Work

How We Work

What is a Guarantee?

A loan guarantee is a commitment by a third party to cover a designated percentage of the risks associated with a loan to a borrower, who does not have sufficient bank-worthy collateral.

Who Do We Guarantee?

  •  Small & Growing Businesses

  •  Smallholder Farmers & Co-ops

  •  Microfinance Institutions

  •  Low-Cost Housing & Infrastructure Providers

What is a Guarantor?

A guarantor is a person or entity who is obligated to pay the borrower's debt, in the event that the borrower defaults on their loan obligation. Guarantors pledge their own assets as collateral against the loans.

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