Personal Lending
- Short-term Loan — up to R10,000 over 30 days
- Personal Loan — up to R100,000 over 3 to 60 months
- Affordability and credit assessment
- Guided document submission
Credit · responsible lending
Responsible credit for individuals and businesses.
Short-term loans, personal loans, purchase-order funding and invoice discounting supported by affordability checks, clear fees and guided document submission.
Responsible lending
Loans priced in the open, with every cost shown before you apply.
At Ndzinga Capital, we provide responsible lending solutions designed to help individuals, families and businesses meet real needs — from urgent short-term gaps to structured personal credit and working capital for South African SMEs. Every application is reviewed against NCA-compliant affordability rules and explained in plain language.
Our services
Lending solutions
Lending products covering urgent short-term needs, structured personal credit, and business working capital — from purchase-order funding to invoice discounting. Full fee disclosure is available on the Pricing page.
Business Lending
- Purchase Order Funding — up to R500,000 against verified POs
- Invoice Discounting — funding advanced against verified invoices
- Advisor-assessed; subject to debtor and credit review
Additional Services
- Online eligibility check
- Section 129 and certificate-of-balance support
- Debit-order and Stitch payment setup
- See full fee breakdown on the Pricing page
Why Ndzinga
Why choose Ndzinga for credit
Full cost shown before you apply — rate, fees and total repayable
NCA affordability assessment on every application
Personal loans R2,000–R100,000 over 3 to 60 months
Short-term loans for smaller, near-term cash-flow gaps
Settle personal and short-term loans early with no penalty
Registered credit provider (NCR Reg NCRCP22127)
Our commitment
Every application is assessed for affordability under the National Credit Act, and the amount, term, interest rate and fees are put in writing before you sign — we don't offer a loan you can't comfortably repay.
Need invoice discounting?
It’s assessed on your invoices and debtor book, so it starts with an advisor enquiry rather than the online application.
Credit FAQ
About responsible credit at Ndzinga Capital
Ndzinga Capital is a registered credit provider (NCR Reg NCRCP22127) offering short-term loans, personal loans, purchase-order funding and invoice discounting under the National Credit Act. Every product is offered after an affordability assessment, with fees and rates disclosed in writing before you sign.
Responsible credit means every application is reviewed against the National Credit Act (NCA) affordability rules before a product is offered. Ndzinga Capital is an NCR-registered credit provider and uses verifiable income, expense and credit-bureau data to set the loan amount, term and rate within NCA limits.
Salaried employees, self-employed applicants, pensioners and grant recipients with regular, verifiable income are all considered. Purchase-order funding is also offered to South African small businesses with verified orders from creditworthy buyers. Every application is assessed individually.
Invoice discounting advances funding against your business's verified, unpaid invoices, helping you unlock working capital while you wait for customers to pay. Because it is assessed on your invoices and debtor book rather than a fixed loan amount, it starts with an advisor enquiry rather than the standard online application — use the Contact page to start an invoice discounting enquiry and an advisor will guide you through the requirements.
The loan amount, term, interest rate and fees are set during the affordability assessment, based on your income, existing obligations, credit profile and the chosen product. All values fall within NCA caps for the relevant product category and are disclosed in the pre-agreement statement before you sign.
Every credit agreement includes a pre-agreement statement, a quote, the right to settle early (subject to your agreement type — small and intermediate agreements carry no penalty under NCA s.125, large agreements may carry a settlement charge of up to three months' interest), mandatory affordability checks, and a structured complaints route. Section 129 notices are issued before any default-related action. (The NCA cooling-off right in s.121 applies only to leases and instalment agreements signed away from the credit provider's premises, not to money loans.)
Documents and personal data are processed under POPIA-aware consent and stored in the Ndzinga client portal with access logging. By submitting an application you authorise Ndzinga to run NCA-mandated affordability and credit-bureau checks; consent is captured on the application form. You can request access, correction or deletion of your information through the Privacy & POPIA Notice.