Compliance is assessed annually, so a Grant must be re-contributed every year to stay compliant (never recovered) — its 5-year cost is 5× the annual requirement. A Loan, by contrast, only needs to be advanced once: the same outstanding facility is recognised against the target every year it remains in place. Enterprise Development and Supplier Development can be funded via Grant, Interest-free Loan, or Secured Interest-bearing Loan. Socio-Economic Development can only be funded via Grant — the B-BBEE Codes treat SED as a non-recoverable community contribution, so no loan-based recognition option applies.

Positive = net financial benefit to the entity. Negative = net cost. For the Interest-free Loan, the shaded gold bar spans its full risk range — from R0 (best case, marked with the gold diamond at the top: principal repaid in full) down to a complete write-off of the facility (worst case, if the unsecured borrower defaults). The Secured Loan bar shows the net interest income earned by Year 5 — the principal repaid is a return of the entity's own capital, not counted as a financial gain.

The Secured Loan facility itself remains unchanged until the end of Year 5. This line instead shows the entity's cumulative net cash position. It begins with the full facility advanced in Year 0 and improves each year as cash interest is received. In Year 5, the full principal is repaid in addition to the final year's interest, resulting in a cumulative net positive position equal to the total interest earned over the five-year period.