Smarter capital structuring
for commercial real estate.
Institutional-grade underwriting, capital stack modelling, and due diligence tools — purpose-built for commercial property professionals.
Trusted by forward-thinking property funds, brokers, and developers across South Africa
The industry runs on fragmented, manual processes.
Two compounding problems exist across the South African property market. First, for individuals and first-time investors: acquiring a commercial or residential investment property requires engaging a broker, accountant, attorney, valuer, and bank — each billing independently — creating a costly, fragmented process that excludes most participants before they even begin.
Second, for property companies: even established businesses with dedicated teams rely on inconsistent spreadsheets, ad hoc external advisors, and manual due diligence processes that are slow, expensive, and difficult to standardise across staff and deals.
There is currently no South African-built platform that addresses either problem at scale. Plinth solves both simultaneously.
A complete toolkit for
property professionals.
Everything you need to underwrite, model, and close deals — replacing fragmented spreadsheets with a unified system.
10-Year Financial Modelling Engine
Full DCF, IRR, NPV, and equity multiple analysis over a 10-year horizon. Model rental escalations, vacancy assumptions, opex, capex, and disposal value — all calibrated for SA market norms.
Capital Stack & Bank Debt
Structure your entire capital stack: senior debt, mezzanine, equity, and shareholder loans. Automatic DSCR and LTV calculations against SA bank covenant thresholds.
Due Diligence Module
108-item South African-specific checklist spanning legal, environmental, structural, financial, and regulatory compliance. Track progress by category with assignable status.
AI Document Intelligence
Upload lease agreements, zoning certificates, and compliance documents. Our AI extracts key terms, flags risks, and populates your deal model automatically.
Expert Underwriting Review
Submit your deal sandbox directly to our internal experts for a comprehensive review. Ensure your models meet institutional standards before presenting to your IC.
How it works
From initial screening to final credit submission in four streamlined steps.
1. Model your deal
Input your property parameters, rent roll, and operating expenses. Our engine generates a bank-grade 10-year cash flow.
2. Stress-test assumptions
Layer on debt, mezzanine finance, and stress-test your DSCR and LTV against South African lending norms.
3. Optional: Expert review
Submit your deal sandbox to Plinth's internal experts for a comprehensive pre-submission review and transparency check.
4. Present to committee
Generate a professional, branded investment memorandum and due diligence pack ready for your financiers.
The vision ahead
Plinth is designed to evolve from an analytical toolkit into an intelligent advisory layer and transaction marketplace.
Core SaaS Platform
- 10-Year DCF Financial Engine
- Bank Debt & DSCR Calculator
- Sector-specific DD Checklists
- Professional Deal Pack Generator
AI Document Intelligence
- Automated Lease Analysis
- Zoning & Title Deed Extraction
- Financial Statement Red Flagging
- Bank Approach Advisory Module
Lender Integration
- Direct Bank Submission Portal
- Live Lender Appetite Matching
- Curated Broker Deal Marketplace
- Automated Debt Facilitation
We built Plinth because we needed it.
With over R1 billion in commercial property transactions across the South African market, we experienced the friction of fragmented due diligence firsthand. Plinth is the operating system we built to solve it.
Ready to operate like an institution?
Join forward-thinking property professionals who are replacing fragmented spreadsheets with a single, purpose-built platform.
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