Credit
Credit overview
One overview page for Ndzinga's credit family: short-term, personal, purchase-order funding and invoice discounting.
All credit paths
NCA affordability
Clear disclosure
Products
Credit, insurance and capital — applied for and managed in one place.
Ndzinga Capital offers three product families — Credit, Insurance and Capital — designed to be chosen by need and entered through a guided digital or advisor-led workflow. All applications are subject to NCA affordability assessment and POPIA-aware document handling.
Credit family
Short-term, personal and business credit
Explore Credit
Short-term
Short-term loans
Smaller, time-sensitive credit for urgent cashflow needs, with affordability checked before any offer.
R500-R10,000 public range
Short repayment horizon
Written quote before signing
Personal
Personal loans
Structured personal credit for larger household or individual needs, assessed against income and expenses.
R2,000-R100,000 public range
3-60 month path
NCA affordability assessment
PO funding
Purchase order funding
Business working capital linked to verified purchase orders from creditworthy buyers.
Verified purchase orders
Buyer and fulfilment review
Advisor-supported assessment
Invoice discounting
Invoice discounting
Working-capital enquiries against verified unpaid invoices and suitable debtor books.
Verified unpaid invoices
Debtor-quality review
Advisor-led enquiry
Insurance, Capital and TaxiFare
Cover and capital alongside your credit
Insurance
Insurance enquiry pathways
Credit-life and funeral insurance enquiries that can sit alongside your lending, arranged through underwriters under their own terms.
Credit-life and funeral insurance
Underwriter-issued policies
Advisor suitability review
Capital
Growth capital for businesses
Advisory-led, structured growth capital for established South African businesses ready to scale.
Advisor-led enquiry
Structured funding
Disclosure before commitment
TaxiFare
Mobile 30-day cashflow
Fast, mobile-first short-term cashflow support for transport, petrol and urgent needs, repaid over 30 days.
R500-R2,000 over 30 days
Mobile-first application
Same NCA affordability check
Products FAQ
Choosing between Credit, Insurance and Capital
Ndzinga Capital brings three product families into one guided relationship. Credit is governed by the National Credit Act (NCRCP22127); advisory and insurance sit under FAIS (FSP 55648). Use the answers below to decide where to start.
Ndzinga Capital offers three product families: Credit (personal loans and purchase-order funding), Insurance (credit-life and funeral insurance enquiries) and Capital (growth capital for businesses). Each can be used on its own or together.
Choose Credit to apply for a loan with an affordability check, Insurance to enquire about credit-life or funeral insurance, or Capital to discuss growth capital for your business with an advisor. An advisor can also help you decide.
Yes. Credit products fall under the National Credit Act, and Ndzinga is a registered credit provider (NCRCP22127). Advisory and insurance services fall under FAIS, where Ndzinga is an authorised Financial Services Provider (FSP 55648).
No. Each product family is independent and many clients use only one. Keeping them under one relationship simply means your documents, disclosures and advisor contact are not fragmented.
For Credit, check if you qualify or apply online. For Capital or Insurance, request an advisor conversation through the Contact page. Every credit application is subject to an NCA affordability assessment before any offer is made.
Yes. Documents and personal data are handled under POPIA-aware consent and stored in the Ndzinga client portal with access logging.