Global property loans bad credit finance

Having a bit of a rough month financially? Maybe that washing machine that you got fixed earlier on in the month totally blew your budget or that medical emergency you had to attend to could have been the main reason that left you strapped for cash and there is no way that you can make it through the month without some extra cash. Instead of turning to friends or family turn to global property especially if you have bad credit or have been blacklisted. If you have been blacklisted you are certainly not the only one as thousands of south africans are in the same boat as you and there is a solution for everyone.
Continue reading

TymeDigital the new South African bank

TymeDigital – Commonwealth Bank of Australia

The Commonwealth Bank of Australia also known as CBA is an integrated financial services group that is a pioneer in the financial industry. At CBA we are known as one of the largest banks globally when it comes to market capitalisation and we are featured in the Morgan Stanley Capital Global Index. As a group; we operate as the largest listed company on the Australian Securities Exchange and we pride ourselves in being the biggest financial services distribution network in the country.
Continue reading

BMW Finance- finance options to suit your lifestyle

BMW is a world-renowned vehicle brand, often revered for its class and quality vehicle production. As more people strive to get behind the wheel of their own BMW, the company has made this much easier. Through BMW Finance more drivers are able to get access to the car of their dreams. Continue reading

Power Loans – giving you affordable loan solutions

Getting access to a personal loan nowadays is as easy as completing an online application from the comfort of your own home or without even having to leave your office. You don’t have to spend hours waiting in long bank queues or waiting to speak to multiple consultants.

Power Loans is a micro lending institution at the forefront of simple online loan solutions, making it easier for people to get access to much-needed cash.

Power Loans offers clients an easy 3 step application process:

  • Choose how much you need and for how long
  • Fill out the quick online application form
  • Once approved, the money is yours

Tell me more about Power Loans?

Power Loans specializes in providing online cash loans in two ways. Namely: as a maximum affordable loan or a specific affordable loan.

These loans are payday loans, giving clients up to a month to repay them, with no hidden costs. The maximum repayment period is 6 months. Using the online calculator makes it easy for you to budget, because you’ll know exactly how much you can expect to repay throughout the loan term.

By choosing Power Loans, the client receives the maximum level of personal service. As a Power Loans client you get to access to finance at local branches. You get access to a national call centre, with dedicated agents who are there to help you through the entire loan process.

By choosing Power Loans, you get access to online loans which are paid out on the day of approval. It takes less than 24 hours to get approved.

Once you have been approved for finance from Power Loans you get access to amounts of between R500 and R8000.

The loan amount will be sent to your Power Cash Card once you have been approved. This card can be used at any ATM or retail outlet that uses a MasterCard platform.

You’ll then have the financial freedom to pay for your needs. Whether you need to pay for car repairs, for school fees or even for home renovations, Power Loans gives you all the financial muscle you need.

To contact Power Loans, simply call: 087 702 1371

Visit the Power Loans website here: www.powerloans.co.za

Loan Tycoon SA

Loan Tycoon SA

Life should not be worrying about debt and money but rather the enjoyment thereof. People find themselves in sticky situations once or twice where they need money but are unable to obtain a loan. This is usually because commercial banks will not lend them or they are blacklisted. Loan Tycoon SA is a trusted loan finder that finds its clients the perfect loan to pay their expenses or enjoy a holiday.
Continue reading

Mercedes Benz Insurance Solutions

Mercedes Benz is a pricey but reliable and luxurious brand. It is therefore not a coincidence that this esteemed automobile brand understands the importance of protecting various investments with the best possible protection available. It is for this reason that Mercedes Benz financial services has decided to provide  insurance policies which provide great benefits to the client. Continue reading

Roles of commercial banks in South Africa

Apart from conducting the common banking functions, banks play a paramount role in the economic development of South Africa, a country that is characterized with poor, unemployed people engaged mostly in traditional agriculture. Apart from being Africa’s giant economy, South Africa has an acute shortage of resources for allocating proper housing for its people; most South Africans lack initiative and enterprise. As such, commercial banks assist to rise above some of these challenges and promote economic development.
Continue reading

Jet financial services

Jet financial services, taking care of money matters

The list of reputable retail outlets in South Africa and across the border can never be complete without including the name Jet. Established in 1976, this brand has become the largest retailer in Southern Africa with more than 450 stores across South Africa, Botswana, Lesotho, Zambia, Mozambique, Namibia and Swaziland. Apart from the traditional retail products and services, Jet has managed to foster into prominence the Jet financial services.
Continue reading

Shoprite money market

Shoprite money market, world of financial services in one place

The Shoprite brand was established in 1979. Today this retail house has rapidly grown and expanded within South Africa and beyond with 1,200 corporate and 270 franchise outlets in 16 countries across Africa and the Indian Ocean Islands.

Operating on a philosophy of giving customers lower prices on food and household goods in a convenient shopping environment, Shoprite also offers other value added services such as LiquorShops, MediRite pharmacies with qualified pharmacies as well as Money Markets where consumers can make various third-party payments.
Continue reading

Pick n Pay smart shopping - Omnichannel

Pick n Pay smart shopping, shopping with benefits

The retail sector has radically changed over the years from what it traditionally used to be.The advent of the internet age has brought about trends such as Omnichannel retailing, Social Media retailing, New retail careers as well as Mobile apps and payment systems. These trends have impacted on consumer behaviour and allowed consumers to take control of their purchase decisions. In a bid to be part of this development, renowned retail giant Pick n Pay introduced smart shopping.
Continue reading

debt consolidation south africa

Debt consolidation in South Africa with Debt group

At any stage or even in any sphere of life, borrowing financial resources which is commercially and economically termed as being in debt is a necessary step which assists individuals or even entities to meet financial obligations and execute many other plans. Being in debt however comes with an obligation of paying back on agreed terms, debt repayment can potentially even turn into a huge burden especially if different streams of debt have to be incurred and serviced. One business entity alleviating burdens is Debt Group.
Continue reading

Vehicle Finance for Blacklisted People in South Africa

Vehicle Finance for Blacklisted People in South Africa – V rentals, vehicle hire specialists

Vehicle ownership is quite often the ultimate goal for many people. There are however circumstances which hamper on the prospect of full ownership of a motor vehicle but rather necessitate the practice of renting. Some of the mitigating factors which go against full vehicle ownership include affordability, trying to transport huge groups of people and short-term visitation reasons. One business house which is catering for these needs is V rentals.
Continue reading

Standard banks investment risk solutions

Standard banks investment risk solutions

It is an established fact in the world of business that every business organisation faces challenges or risks. The types of risk can vary from business to business but there are some which are very common in most businesses.These risk factors can be internal or external. How these risks are understood and managed in many cases is fundamental in business. It is from this background that Standard Bank has taken keen interest in developing risk solutions.

Standard bank has partnered with businesses in order to maximise revenue within risk and capital limits to ensure that business growth takes place within controlled and managed frameworks. Attention is given to both financial and non-financial risk areas including credit market, liquidity, country risk, compliance, operational, audit and legal. For strategic purposes, these risk areas are grouped into environmental risk and financial risk.

investment-risk-solutionsEnvironmental risk generally refers to the prospective sector or industry in which a business person wishes to set up a business and the targeted clientele.To establish this and provide the suitable solutions, key questions are asked and these are Is it a low, medium or high-risk industry? Who are your main competitors? How much competition is there? Are there any special factors that will attract customers to buy from you rather than from your competitors? How many main suppliers will you have and will they let you buy goods on credit? Does anyone else have similar products that could affect your business? How easy is it for new competitors to enter the market? Is your business seasonal? Will any political event or policy have an impact on your business, for example, strikes? How well do you know your target market? Have you got a good location? Are your premises owned or leased and do they allow for expansion and improvements at a later stage? How many skilled and unskilled staff will you be employing? What percentage of your staff will belong to trade unions and what is the culture of the trade union? How sensitive is your business to the ups and downs of the economy? etc.Once the answers to these questions are found, then the right risk solutions are tailored.

The financial aspect of risk is divided into the finances of your business and the security offered by the client. Standard Bank ensures that they establish how much cash is readily available for business and its source. As a precaution, this cash contribution cannot be in the form of other loans and it should be 20% to 50%, depending on the type of business and set up costs.The loan acquired must be from the cash flow which means there must be a cash flow projection for at least 24 months. A breakdown point should suggest a cash margin of safety of at least 20% which means there will be at least 20% more cash than the absolute minimum required. Security is determined by both personal and business assets and the equipment to be purchased can form part of the security you offer.

The above forms the Standard Bank risk package. Standard Bank can be contacted on 0860123000.

Nedbank-Small-Business-Services

Nedbank Small Business Services

South Africa’s economy is to a large extent driven by a vibrant small scale business sector. It is however this very key sector which faces many challenges such as registration, information, financial capital and other resources. In order to alleviate all these challenges, Nedbank which is one of the country’s biggest financial institutions stepped into the picture by offering small business services.

One of the intervention measures Nedbank has come up with is to help small businesses register themselves. In order to ensure this is done, Nedbank has partnered with a company called SwiftReg who are specialists in new company registrations to enable registration of Nedbank clients in a convenient manner. Clients can also be assisted to change one type of business entity to another. This service ultimately removes the need for an accountant or lawyer in this process.

Any client opening a Nedbank small business services current account can make use of this account but its even more suitable to busineses in the startup phase of business. An annual turnover of between R150,000 and R7.5 million per annum is also a prerequisite.

Customers can make use of this service by visiting any Nedbank branch,ask for a Nedbank small business services representative, this representative will then request the necesary information and facilitate the process of registration.The SwiftReg fee is R390 for a new (pty) Ltd which includes the first director and shareholder, afterwards a charge of R30 per director and shareholder will be demanded.These fees can be paid directly into the companys account at the bank teller. A copy of the deposit slip must then be given to the banker who processes the documents.

The Nedbank small business service is definitely helping to lay foundations for many businesses.


You can apply for a Nedbank loan here

How to challenge a blacklisting

The term blacklisting is one that resonates with many people around South Africa. This is because many in various circles can relate to the paralysing consequences of being blacklisted. For many, the deep waters of blacklisting can be very difficult to navigate through or even challenge.

What is blacklisting? To blacklist in the financial sector is to list an individual or entity as being unworthy of being trusted with credit.The term blacklist can also mean a variety of things, from having an account in arrears to having a judgement against you. Enforcement action listings is when a service provider has listed an individual for non-payment. Subjective action listings is when a service provider has listed you for slow payment, late payment, deliquency or absconding.
Continue reading

m-pesa-south-africa

Vodacom M-Pesa, secure way to transfer money

Vodacom M-pesa is a product brand which has swept through the financial markets like wildfire. M-pesa has received a warm and incredible welcome since it entered the markets and its growth levels has been short of breathtaking. M-pesa has raised the stakes in sending and receiving money.

M-pesa is a mobile money wallet that allows customers to store their money safely, access it easily, send money anywhere affordably and get airtime benefits. In partnership with arguably South Africas biggest mobile communications company Vodacom, the Vodacom m-pesa was launched.

This innovative money transfer platform allows users to transfer money into your m-pesa wallet from any bank account, deposit and withdraw money at any authorised Vodacom m-pesa shop, store money in your m-pesa wallet without any monthly fees. Others are the withdraw of money at any SASWITCH ATM, at authorised retailer POS devices or at participating shops, pay for goods in store using the prepaid m-pesa Visa card where applicable, transfer m-pesa funds to anyone in South Africa with a cellphone and buy airtime from your cellphone.

The requirements to have m-pesa wallet are very simple, you must be an active Vodacom subscriber, have a South African identity book and be 16 years and above. You can register for m-pesa wallet by dialing *111# and follow the instructions or by going to a m-pesa shop with your South African identity book.

With Vodacom m-pesa, money transfer will never be the same again.