The Finance Ghost plugged in with Capitec

Capitec

Welcome to The Finance Ghost Plugged in with Capitec – a proudly South African podcast showcasing the entrepreneurial talent we have in our country. From side hustles to success stories and from SMEs to bigger businesses, this podcast series will explore what it really takes to build a business in South Africa. Hosted by experienced entrepreneur and ex-investment banker, The Finance Ghost, each episode features honest conversations with local entrepreneurs. They share inspiration and insights that helped them on their business journey. Whether you are years into the journey or still planning to take that first step, there’s something here for you.

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

    Episode 1

    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.

    33 min
  2. Episode 2

    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.

    27 min

About

Welcome to The Finance Ghost Plugged in with Capitec – a proudly South African podcast showcasing the entrepreneurial talent we have in our country. From side hustles to success stories and from SMEs to bigger businesses, this podcast series will explore what it really takes to build a business in South Africa. Hosted by experienced entrepreneur and ex-investment banker, The Finance Ghost, each episode features honest conversations with local entrepreneurs. They share inspiration and insights that helped them on their business journey. Whether you are years into the journey or still planning to take that first step, there’s something here for you.