By this time it was 1994 and the whole country was changing. I resigned from Implats in February 1994, signed the franchisor agreement on 1 April, 27 days before the first democratic elections, and we opened the first Cash Converters store in Parow, Cape Town, after two months of training.

That store is still there straight away cash loans except 400m up the road, Mukheibir smiles. Financing was as challenging then as it is now. We needed R1 million, half for the master franchisor fees, half to open our own store, and truth be told, I think we were lucky to have the right banker at the right time because American cash advance marrero la had no experience.

Were still with our bank 20 years later. Owning and running this first store, we learnt so much as franchisees and franchisors.

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