SPECIALITY COFFEE FRANCHISE · GOING GLOBAL
An innovative idea.
A bank that said no.
How CCS asset-backed finance turned a concept into a global franchise.
140+
Locations
700
Barista Jobs
90
Franchises
CLIENT STORY · PLATO COFFEE
Stephan Bredell walked into a meeting with Willie Mouton with a single page of notes and nowhere else to turn. What he had was a clear concept for a speciality coffee shop in a converted shipping container and the conviction to build it. Every bank had passed.
THE CCS UNDERWRITING MODEL
CCS did not require two years of financial statements. The underwriting process worked in a defined order.
1
Repayment Capacity
Assessed against both the business cash flows and the founders’ personal finances to confirm the facility could be serviced even if the business underperformed.
2
The Asset
The container and the coffee equipment, each identifiable, income-generating from day one, and recoverable if the business could not pay.
Once both stacked up, CCS structured a 36-month rent-to-own arrangement covering the container, the equipment, and everything needed to open a Platō location. The equipment generated income from the first day it operated. That income serviced the rental. The rental flowed back to CCS, enabling them to fund more entrepreneurs.
Asset-backed. Structurally separate.
The Platō story illustrates the structural quality of the CCS model that matters to income note investors: asset-backed rent-to-own financing separates the cost of productive assets from the working capital the business needs to grow.
Stephan did not fund eight stores by depleting his balance sheet on equipment ownership. Each store’s machines were financed from the income those machines generated, leaving working capital free for operations, staff, and the next store.
That structure is what allowed him to build eight stores, to reach the critical mass that made franchising credible, and eventually to grow to 140 shops.
140+
Locations
700
Barista jobs
90
Franchisees
The CCS Income Notes give investors structured access to the same type of income stream: contractual rental payments from businesses using productive assets to generate income.
Stephan Bredell • Founder, Plato Coffee
“ If it wasn’t for them, we wouldn’t have been able to scale to eight shops and then go from eight to 140 with franchising. CCS was a catalyst for the bigger Platō. ”
Four businesses. Four industries. One model.
Each business in this series illustrates a different structural quality of the CCS model. Together they constitute the track record behind the CCS Income Notes.
Mobile pet grooming. 9,000 dogs a month.
Ride-hailing. SA’s first NPTR platform.
Co-working office space. Pretoria.
CCS Income Notes.
Prime +3% per annum.
Paid monthly. Invest from R5,000.
Issued under a registered prospectus.
This page does not constitute financial advice. Please read the prospectus before investing.