The Finance Ghost Plugged in with Capitec: Ep 8 (Business Banking, but better)

The Finance Ghost plugged in with Capitec Season 2 Ep 2: Purpose and profit

What does it really take to build a business from nothing in South Africa? Founder of Universal Kitchens, Clinton Van Breda, shares the unfiltered story of how he dedicated 2 decades to turning a R500 000 loan into a business employing over 200 people.  There was no single breakthrough moment or overnight success. Instead, his story is one of discipline, reflection and relentless execution over 2 decades, driven by a strong sense of purpose.  From reviewing his diary line by line each year to making tough sacrifices early on (including skipping his honeymoon), Clinton reveals the mindset and habits that compound into long-term success.   This episode dives into the realities of entrepreneurship – the chaos, doubt and faith it demands. It also unpacks why focusing on the process, not the money, is what ultimately builds a lasting business.  [episode player]  * Why there’s rarely a ‘big break’ and what actually drives growth  * The power of daily reflection and disciplined execution  * Building a family business without compromising long-term scalability  * Why chasing money is the fastest way to lose focus  * Lessons from growing a team to more than 200 employees  * How to navigate uncertainty, risk and tough decisions  * The difference between ‘cheap’ and ‘value’ when building a premium brand  The Finance Ghost plugged in with Capitec is made possible by the support of Capitec Business. All the entrepreneurs featured on this podcast are clients of Capitec. Capitec is an authorised Financial Services Provider, FSP number 46669.

The Finance Ghost plugged in with Capitec Season 2 Ep 1: From Shuttle to Startup – the stub Story

Most entrepreneurs don’t dream of becoming accounting software founders. Yet, in the back of a Joburg shuttle, Tayla Dandridge and her co-founders spotted a glaring gap: everyday businesses were being left behind by global “whales” like QuickBooks and Sage. stub was born to serve the trader in Durban, the side hustler in Soweto, and the small business owner who needs simplicity, intelligence, and localisation instead of intimidating spreadsheets.  In this episode, Tayla shares how stub grew from a bootstrapped idea into a well-funded SaaS platform used by thousands of entrepreneurs across 14 countries. She explains why partnerships, especially with Capitec, are critical to unlocking real-time financial insights, and how stub integrates payments to become a true “business-in-a-box.”  This episode covers:  * How stub was born in a Joburg shuttle and grew into a global SaaS platform  * Why simplicity, intelligence, and localisation are at the heart of stub’s product design  * How the route-to-market and the product decisions are interlinked  * The importance of partnerships, including stub’s integration with Capitec Business  * Co-founder dynamics and lessons for entrepreneurs choosing partners  * Bootstrapping, angel investment, and the realities of funding a tech startup  * How stub is embracing AI to eliminate admin and empower entrepreneurs  The Finance Ghost plugged in with Capitec is made possible by the support of Capitec Business. All the entrepreneurs featured on this podcast are clients of Capitec. Capitec is an authorised Financial Services Provider, FSP number 46669.

The Finance Ghost Plugged in with Capitec: Ep 9 (Innovation, engineered by the Van Greunens)

Introducing Olympia Holdings founders George Van Greunen and Manie Van Greunen Any business owner knows that software can make or break a business. And when software is built by entrepreneurs, for entrepreneurs, the benefits are even clearer. Like many great businesses, Olympia Engage was created to solve the challenges its founders faced in their previous businesses. With hands-on experience managing large teams and running performance and incentivisation programmes, brothers Manie and George Van Greunen set out to build digital solutions that address these challenges. In episode 9 of The Finance Ghost Plugged in with Capitec, get ready to learn from these software ‘brogrammers’ about how Olympia Engage uses various techniques to improve adoption rates, create internal alignment and support measurable performance. The Finance Ghost plugged in with Capitec is made possible by the support of Capitec Business. All the entrepreneurs featured on this podcast are clients of Capitec. Capitec is an authorised Financial Services Provider, FSP number 46669.

The Finance Ghost Plugged in with Capitec: Ep 8 (Business Banking, but better)

INTRODUCING CAPITEC BUSINESS EXECUTIVES KARL KUMBIER, AMREI BOTHA AND SICELO MKHIZE: Capitec understands the challenges faced by entrepreneurs. Throughout this season of The Finance Ghost Plugged in with Capitec, we’ve explored how affordable transactional banking and access to finance can help business owners grow.  But how does it all come together? And how did Capitec make such a strong impact on the business banking scene so quickly?  In episode 8, we reflect on the acquisition of Mercantile Bank just before COVID hit – and how Capitec’s innovative approach helped shape the products, systems and client experience that followed.   This is The Finance Ghost in conversation with Karl Kumbier (Executive for Business Bank), Amrei Botha (Executive of Client Experience Delivery) and Sicelo Mkhize (Head of Distribution). The Finance Ghost plugged in with Capitec is made possible by the support of Capitec Business. All the entrepreneurs featured on this podcast are clients of Capitec. Capitec is an authorised Financial Services Provider, FSP number 46669.

The Finance Ghost Plugged in with Capitec: Ep 7 (Driving more than turnover)

INTRODUCING SHELL BOKSBURG MOTORS OWNER PRISCILLA MSIMANGA: Priscilla Msimanga made the leap that so many dream of, yet few are willing to make: leaving a big corporate role and shifting into the grinding world of entrepreneurship. To add to the intrigue, she bought a Shell forecourt and stepped into specialist retail.  From managing staff to complying with petroleum regulations, the learning curve was steep. Drawing on her corporate experience, her love of sales and her passion for service, Priscilla rolled up her sleeves and did everything – from pumping fuel to serving food.  And yes, that means there’s a food truck to go with this great story!  On episode 7 of The Finance Ghost Plugged in with Capitec, Priscilla tells us more about her leap from corporate life to entrepreneurship.  The Finance Ghost plugged in with Capitec is made possible by the support of Capitec Business. All the entrepreneurs featured on this podcast are clients of Capitec. Capitec is an authorised Financial Services Provider, FSP number 46669.