About Us2020-09-10T12:02:07+02:00

The Business

Founded by sisters Zahra and Nadia Rawjee in 2010, Uzenzele Holdings (UH) is a niche consulting firm with over 60 years of combined experience in business development capital raising and accessing governmental funding.

We provide specialist advice and facilitate access to grants, incentives and loans. We partner with growing companies (our clients) to access developmental funding available from local and international development funding institutions (DFIs), non-traditional financiers and commercial banks, focused on growth in South Africa and other selective African countries.

For each business we work with, we identify the funds applicable to your company and growth plans. We also help with developing business plans and financial models as well as advising you throughout the application, approval and claims process.

“We help you identify the funds applicable to your business and its growth plans, saving you time and increasing your success.”

Our services are interconnected but can also be commissioned as standalone offerings: Capital Fund Raising and Business Intelligence.

Entrepreneur Mag – A Trusted Advisor

SME South Africa – Feature Article

Entrepreneur Mag – Becoming Bankable

Forbes Women – Blood, Sweat, Tears


“The Uzenzele team is determined to see the success of their client’s applications. This is evident in the quality of the client(s) and the respective business plan(s) prepared”

Alupheki Sithebe: Senior Dealmaker – IDC (2017)

Uzenzele’s dedication and attention to detail, we believe, are key drivers for success and in ensuring the project is feasible for funders to pursue.

Kobina Odoro Agyapong: Executive Director – AA Consulting & Associates

Uzenzele also assisted to define the business requirements so that we were able to apply for a greater value of both loan funding. Our funding application was successful and has allowed us to grow.

Preyesh Bhawan: L’il Masters Diapers Manufacturers


How do I know if you can help me?2021-07-19T13:58:02+02:00

Complete this online form and our office will be in touch to let you know.

What sorts of businesses do you help raise finance for?2018-12-24T11:28:41+02:00
  • Established businesses, with at least 2 years trading history, primarily in the manufacturing sector looking to expand or upgrade their production facilities,
  • Contractors (that have contracts or tenders or purchase orders) for the supply of goods to blue-chip and public clients.
What is the difference between equity, a loan and grant funding for my business?2018-12-24T11:29:36+02:00

These are 3 types of capital we assist businesses to raise:

Equity – capital raised through the sale of shares in your business, with shareholders investing capital for an expected financial return over a given period. This is the most expensive but most patient type of finance.

Loan/Debt – capital is lent to a borrower with a set of agreed terms for repayment – varying in length and cost on a case-for-case basis – based on the strength of the SME, its “bankability”, the lender and various other requirements.

Grant/Incentive – is typically a non-repayable investment made by a government body or institution to specifically eligible businesses in exchange for a particular set of social or economic objectives, in accordance with strict guidelines. This is the least expensive form of finance, but it can take longer to raise and is highly regulated.

How do you access finance for businesses?2018-12-24T11:29:45+02:00

We work on behalf of SMEs to identify the right financier based on various factors. We then support the SME in the preparation of documentation for submission of an application and facilitate the process until draw-down or claim.

The People


…has been involved with various industries and businesses in shareholder, director and management executive capacities due to a range of family interests within South Africa and abroad. She returned to her birth country, Portugal, in 2008 for 2 years to expand her experience and further hone her skills.

Her skills lie in business and contract analysis, training and facilitation, as well as access to developmental funding. Zahra is fluent in both English and Portuguese. Her command of English provides her with the necessary competence to effectively and succinctly communicate a business’s story to the financial sector and business owners.

Zahra is a public speaker and writer who keeps the process and fundamentals of “Becoming Bankable”  simple and clear for business owners to understand.

Zahra also holds a BCom degree in Law from the University of Pretoria.


…has experience in industries ranging from FMCG to manufacturing and mining because of family interests and her involvement in an influential African network called Intra Business Network

As an executive director at Uzenzele, Nadia advises and facilitates capital raising for SMEs and also mentors SMEs to bring these businesses to bankability.

Her skills lie in business analysis, financial/business modeling and accessing developmental funding.

She has 2 BCom degrees, one in Finance and another in Economics & Econometrics, from the University of Johannesburg. She has also been accredited with the UNDP for Supplier Development.

Public Speaking

If you would like to discuss a public speaking opportunity, want us to participate in your conference or media event, or want us to feature or contribute content to your publication please fill in the form below or email media@uzenzele.com with your request.

Associations & Accreditations


To accurately apply for the right funding at the right place for the right reasons.

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