Women in Business: Yolanda Sing, Chloe Consultants

Women in Business: Yolanda Sing, Chloe Consultants

 Yolanda Sing

Founder of Chloe Consultants

The Business

Chloe Consultants was founded by Yolanda Sing, a Senior Human Resource Executive who has worked extensively and internationally in 15 different countries.

Her method for individual and organizational transformation is unique, as she utilizes “equine partners “to become part of the learning intervention; they provide authentic experiences and feedback on the effectiveness of our communication styles.

She has applied her learning to develop Emirati women in the Middle East.

She has successfully developed a blueprint for her unique offering in South-Africa, Dubai, Qatar, United Kingdom, and Kenya.

Her latest offering, post corona is a Virtual Equine Leadership and Coaching Program.

The company specializes in:
C – 
H – 
Human Resource Consulting
L – 
Leadership Development
O – 
Organizational Development
E – 
Equine Assisted Learning


Related: Women Powering SA: Monique Pasqualle, HR Cartel


Yolanda’s story


Chloe Consultants has been in operation for more than 12 years and that is by far our biggest achievement.

Yolanda has also been awarded the MOST INNOVATIVE LEADERSHIP TRAINING CONSULTANT 2020 – South Africa by Corporate Vision  2020.

Yolanda has a professional profile which includes qualifications such as M.B.A, B.A Hons in Clinical Psychology, Hons in Business Management Administration, and a B.A Personnel Management. She is a qualified Executive Coach and has also published her first book; “Power in the Paddock”.


The current pandemic has hit many sectors hard.  We had to completely pivot our business towards the new normal and had to develop a Virtual Equine Transformational Leadership Product.

Related: COVID-19 SME Support: Business Brightspot Listing


Now, more than ever, the world is ready for motivated, inspired, empowered, and re-energized Leaders and Teams who are reset for a new change. The equine leadership program helps to achieve that.


Get in touch if you would like to find out more about professional equine training for leadership qualities.

Contact Yolanda Sing and the Chloe Consultants team at yolanda@chloeinsa.co.za

COVID-19 SME Support: Business Brightspot Listing

COVID-19 SME Support: Business Brightspot Listing

In this edition of the Business Brighspot blog, we’re covering two South African SMEs who have taken a knock during lockdown but have managed to keep their doors open.

Alice Taylor, Multiply Furniture

About your business

At Multiply Furniture we design, manufacture and retail a range of Scandi-lifestyle furniture and essentials, using both cutting edge technology and age-old carpentry methods. Our furniture is hand finished using sustainable materials in Cape Town, South Africa.

We pride ourselves in creating something unique for every home or office and more recently, home office.

How has your business changed during COVID-19?

Sales dropped drastically, but we are now seeing a gradual increase since there has been more economic activity. 

Contact details:

Alice Taylor

Tumi Rabaji, Shauku Hub

About your business

ShaukuHub is a coworking space that offers beautifully crafted workspaces where people can create, connect, and grow their businesses. Located at Horizon Shopping Centre, the space offers all the amenities a business can require from parking space, banks, food courts, shopping and a Virgin Active Gym less than 100 metres from your office.

Renting space in a shared office means surrounding yourself with goal-oriented and high-achieving entrepreneurs and business people. This means every day is an opportunity to network with small business owners, great thinkers, consultants, and other entrepreneurs.

Being part of a coworking community means you are surrounded by potential partners, clients and mentors – giving you the ability to easily outsource to talent when you need help.

How has your business changed during COVID-19?

We were closed for the first 5 weeks of lockdown and unable to open our doors to remote workers. Since Level 3, we have now started allowing a limited number of people to use our co-working facilities, under strick COVID-19 regulations.

Contact details:

Tumi Rabaji


Want to list your business? Submit your story here

The Business Brightspot blog is part of our Open for Business campaign. This is an initiative to give South African SMEs the tools and information they need to re-open their businesses during COVID-19.

For on the campaign, read this blog post.

The Best Bridging Finance for SMEs

The Best Bridging Finance for SMEs

In the times of Covid-19, many businesses have found themselves strapped for cash to meet their bills. This is why bridging finance is a great option for small to medium-sized businesses looking to secure funds fast and get back to work.

Bridging finance, or a bridge loan, is a short-term loan that is typically taken out for a period of 2 weeks up to 12 months. This type of funding allows businesses more flexibility to take advantage of new opportunities when business is slow.

This is ideal for when operational costs such as salaries, running costs, and other organisational costs need to be met to produce a product or a service.


Related: What is Bridging finance in South Africa?


The Benefits of Bridging Finance

For many businesses, customers failing to pay on time are a common problem. This puts a business under severe financial strain and affects the ability to buy new inventory, or pay employees’ salaries, amongst a number of other things. This funding allows your business to grow effectively without worrying about delayed cash inflows.

Here are some practical benefits of bridging finance:

  1. Funds are made available to you much faster than traditional lenders such as banks
  2. Flexible payment options
  3. Allows your business to make a profit through sales and services
  4. Aids business growth without having to put expansion plans that require significant investment on hold


Lulalend and Bridging Finance

We understand that different businesses have different needs, which means their financing requirements will differ too.

Our bridging finance offer is unsecured (no collateral required), more affordable, and easily accessible. We also allow you to settle early without having to worry about penalty fees. With Lulalend’s quick and easy online application, you can access business funding of up to R1,5 million within 24 hours. Our application is completely paperless, requires no collateral, and you’ll have an answer in hours.


Related: What is a business credit facility?


Other financial organisations may offer alternative forms of funding such as; cash advances, working capital, and more. It is important to choose the right option for your particular business needs. Speaking to a Funding Specialist is the best way to have all your questions and concerns answered before you take out a loan.

Business funding for specific industries is becoming increasingly popular. For example, equipment funding for manufacturing and construction businesses exists across a number of banks, alternative lenders, and other funders. An industry-specific loan means the agreement terms are tailored specifically to your business operations and make the process more seamless.

If you’re looking for funding for your business, read more about Lulalend’s business funding options here.

Women Powering SA: Tshego Ratshidi, Bleu Rose Floral Designs

Women Powering SA: Tshego Ratshidi, Bleu Rose Floral Designs

Tshego Ratshidi

Owner of Bleu Rose Floral Designs

The Business

Bleu Rose Floral Designs help people express their emotions through flowers and other gifts.
We are a floral services business, our services include everyday flower arranging (these are for I miss you, I’m thinking of you, Condolences, I love you, Can’t wait to have you back in the office, etc.) and delivery, event flowers, we sell indoor plants for your home or office, and more recently, home office too.  We sell fruit baskets and snack boxes as well.
We operate largely in the greater Johannesburg North region but we also cover other areas of Johannesburg when the need arises.  We do also offer services in Cape Town in the Observatory, Pinelands, Sea Point, and surrounding areas.


Related: Business Funding: An overview of how SMEs can access funding in SA


Tshego’s story


We needed to grow our business to be able to reach more people, to fully integrate online and to incorporate a CRM system to allow us to serve our customers better.
We also needed to get a vehicle dedicated to deliveries, as well as transform our workspace to be easier to work from and serve those that would like to collect.
We are also currently working on adding a new line of products and need funding for the project. Customers keep asking for more products, and I believe these will sell, but did not have the appropriate funds to execute.



We have seen a drop in our orders because we were not able to provide our services online. We have seen a drop in expenditure from our corporate customers, and definitely no reception flowers.
I have had to take on a lot of the work myself as I couldn’t afford to keep the staff on anymore. Our administrator also had to stop coming to work as she traveled with public transport, and as she is expecting, it was a high risk – this means I had to let her go until she gives birth later this year.
Our approach to delivery recording has also had to change as we no longer accept signatures – it would be great to use a digital tool as proof of delivery. For now we just take down the recipient’s name. The cost of running the business has increased as flower prices are so high now.


Being able to secure some nice contracts through the work that we do. Customers saw our work and started buying more frequently. We are proud to have some big corporate clients in our stable. One of these corporates placed our first big year-end gift order last year (over 800 gifts) which we delivered in approximately 2 weeks with a skeleton team. This has attracted more of their teams to use our services.


Related: Women Powering SA: Ann Clarke, options in training

The interactions I have with customers after I serve them. It reminds me of why I chose this business.  Flowers and plants have healing powers for mental wellness – hence ‘We express emotions through flowers’. We also teach people how to add plants into their spaces and how they can positively improve their mental health. I am constantly motivated by the dreams that still need to be reached, the ladies I bring into the team, and their commitment to their own dreams and thus helping me realize my dream.


Contact Tshego Ratshidi and the Bleu Rose Floral Designs team at info@bleuroseflowers.co.za


All you need to know about a revolving loan

All you need to know about a revolving loan

If you’ve ever wondered about how you can keep your finances above board without being stuck with a fat bill of fees, perhaps you should consider a Lulalend credit facility as a revolving loan.

Lulalend’s secure and paperless online application process takes only minutes. You can access up to R1,5 million in unsecured, unrestricted business funding. And because your business is important to us, your account is managed by a dedicated funding specialist.



Simply put, it is instant access to a line of revolving credit, without needing to reapply. It is a flexible financing solution that allows you to withdraw, repay, and withdraw again.

For a small business, easy access to working capital can mean the difference between a good trading month and a bad one. Lulalend’s business credit facility gives you the peace of mind of knowing you can immediately access business funding when you need it most.

Related: What is business finance and it’s importance?


You access your business line of credit when you need it, rather than reapplying for new business finance each time. No more unnecessary paperwork when you need extra funding; simply log in to your Lulalend profile and access funds at the click of a mouse when you have a revolving loan. Here’s why more business owners are using Lulalend’s credit facility to grow:

  • You only pay for what you use.
  • There are no monthly account fees.
  • Settle whenever you want, pay no early repayment penalties.

And because the facility works like revolving credit, the capital amount becomes available again after every repayment. As your business grows, we also increase the amount of credit available in your revolving loan. 

To qualify, you must have been in business for at least one year and make a minimum annual revenue of R500 000. 

 Related: What is a business credit facility?


We’ve simplified the lending process with our 6 and 12 Month plans. Every month you pay back 16th or 112th (depending on which plan you choose) of the total advanced amount plus the monthly cost. Monthly costs are 2% – 6% of your advanced amount for the first 2 or 4 months (plan dependent) and 2% for each of the remaining months. Plus, if you can pay early, you’ll save and there are no early payment penalty fees.


The application is easy and seamless without our online portal in 3 simple steps:

  1. Complete an online application in only minutes
  2. Get approved within hours
  3. Receive funds within 24 hours

Submit your application here.

To ensure a quick and easy application process we only require basic information about your business. You’ll only need to provide us with the following:

  • Basic personal information
  • Basic business information 
  • Most recent 3 months bank statement or transactional information

Related: Business Loan Application: Getting a Business Loan in South Africa

Different lenders have different application processes. Banks typically require more paperwork and take longer than alternative lenders such as Lulalend. Lulalend’s online application process takes only minutes and is paperless. Lenders will consider your business performance and ability to repay the credit when they assess your application.