Overview:
BuildMyCredit (Pty) Ltd is a specialist commercial finance and funding readiness consultancy, focused on structuring bankable applications for complex and high-value transactions. The company works with entrepreneurs, investors, and developers to prepare, package, and submit complete funding applications to banks and commercial funding institutions across South Africa.

Founder background: BuildMyCredit was founded by Izelle McHugh, a seasoned bond and commercial finance consultant. Izelle began her career in residential and commercial finance and quickly became the go-to consultant for difficult and complicated transactions. During her tenure at BetterBond, she independently handled commercial transactions—even though the company did not formally offer that service—by building direct relationships with commercial managers and credit teams at the major banks.
Over the years, Izelle has developed a strong track record of:
• Structuring complex deals: Including mixed-use, commercial, and development transactions that require layered funding solutions.
• Rescuing “difficult” applications: Turning previously declined or stalled applications into approved, bankable deals through proper preparation and positioning.
• End-to-end management: From initial feasibility and document collation to final approval and conditions fulfilment.

Bank and funder relationships: BuildMyCredit maintains active working relationships with commercial managers at all major South African banks, as well as access to a wide network of alternative and development funding institutions. This allows the company to:
• Match the transaction to the right funder, based on risk appetite, asset type, and structure.
• Engage directly with decision-makers, ensuring that the application is correctly understood and positioned.
•Navigate complex credit requirements, especially for land, development, and plot-and-plan transactions.

Specialisation in land and plot-and-plan transactions: The company is fully capable of structuring and submitting plot-and-plan and land-based applications, including:
• Acquisition of land for future development.
• Plot-and-plan structures where land and building finance are combined or phased.
• Packaging of supporting documentation such as feasibility studies, projected cash flows, and professional team appointments (where applicable).

BuildMyCredit is dedicated to professional, transparent, and outcome-driven service. Each transaction is treated as a bespoke project, with clear communication to all parties and a strong focus on delivering positive end-results within realistic timeframes.