Pro Lending (Pty) Ltd is a South African micro-lending business established to provide short-term, affordable, and compliant credit solutions to employed individuals and small informal traders who experience short-term cash-flow challenges. The company will operate strictly within the National Credit Act (NCA), NCR regulations, POPIA, and FAIS requirements where applicable.

Pro Lending’s core objective is to provide transparent, responsible credit while maintaining sustainable profitability through disciplined risk management, affordability assessments, debit-order collections, and strong compliance controls.

2.1 Business Description

Pro Lending provides secured short-term micro-loans ranging from R1000 to R6000 with repayment terms of 1,3 or 6 months. All loans are issued following affordability assessments, credit bureau checks, and client consent in line with NCR guidelines.

2.2 Vision

To become a trusted, NCR-compliant micro-lender that empowers South Africans with fair access to short-term credit.

2.3 Mission

To provide transparent, responsible, and affordable credit while protecting consumers and promoting financial inclusion.

2.4 Core Values

Regulatory compliance

Transparency

Ethical lending

Client confidentiality

Financial responsibility

3.1 Loan products

Loan Amount Term Options Interest Rate Fees

R1000-R6000 1,3, or 6 months up to NCR-prescribed maximum Initiation and monthly service fees (NCA compliant)

Pro Lending operates in full compliance with:

National Credit Regulator (NCR) guidelines POPIA (protection of personal information act) FICA (where applicable)

Client application submission identity and income verification credit bureau check. Affordability assessment Quotation and agreement signing funds disbursement. Debit order activation.