The interest paid to investors in CCS Income Notes, comes from a portfolio of asset-backed SME loans. These businesses service their loans from the operational cash flows generated by the productive assets that CCS funds.
Businesses like these fund your income.
Investment Overview
CCS Investment Platform Limited gives investors access to a specialist private credit strategy focused on financing productive assets used by South African businesses.
For more than 10 years, Commercial Credit Solutions (CCS) has funded equipment, vehicles and operational infrastructure that help SMEs grow, assets that generate income for the borrower and provide security for the lender.
These Notes allow investors to participate in that model through structured, prime-linked monthly income. Capital raised is deployed into expanding the CCS asset-backed credit portfolio through a shareholder loan structure that aligns investors with the underlying business.
The Investment Case
South African SMEs face a persistent funding gap.
Many businesses need productive assets to grow but don’t meet traditional bank lending criteria. That creates a structural opportunity for specialist lenders like CCS.
CCS finances secured, income-generating assets and manages those transactions through disciplined underwriting and active portfolio management.
For investors, this creates access to a private credit strategy where returns are driven by operational cash flow rather than market movements.
Investment Objective
Generate prime-linked monthly income through structured exposure to asset-backed SME credit.
The Notes are designed for investors seeking consistent income, floating-rate returns, and diversification beyond listed markets, while maintaining exposure to real economic activity backed by identifiable assets.
What the Notes Offer
Prime +3% return
Floating-rate income linked to Prime
Monthly payments
Regular monthly coupon distributions
Asset-backed security
Funding secured against productive business assets
Diversification
Capital deployed across multiple sectors and borrowers
Diversification
Capital deployed across multiple sectors and borrowers
Liquidity reserve
R20 million reserve designed to support payment continuity
Key Terms
 Interest Rate | Prime +3% |
|---|---|
 Payments | Monthly |
 Term | 5 years + 1 day |
Capital Repayment | Bullet repayment at maturity |
 Minimum Investment | R5,000 |
 Target Raise | R50 million |
Income from
Investment explained
1
Invest
Invest in CCS on Mesh
2
Deploy
Capital is deployed into CCS’s asset-backed SME financing portfolio
3
Finance
Capital is deployed into CCS’s asset-backed SME financing portfolio
4
Repay
Borrowers repay CCS for the use of those assets
5
Earn
Repayments support monthly coupon payments to investors
Why CCS
Investing in productive assets. Backed by real business activity.
CCS has spent more than a decade financing the equipment, vehicles, and operational assets South African businesses use every day. The investment model is built around disciplined lending, asset-backed security, and consistent income generation.
- Over 10 years of operating experience
- Asset-backed commercial credit exposure
- Prime-linked monthly income
- Diversified across multiple SME transactions
- Structured around real operational cash flow, not market speculation.
Built on productive assets. Designed for consistent income.