Credit
Loans and PO funding
Responsible lending for individuals, families and SMEs, supported by affordability checks and clear disclosure.
Short-term and personal loans
Purchase-order funding
Online eligibility
Products
Credit, insurance and capital in one premium financial services journey.
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.
Explore 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
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.
What does Ndzinga Capital offer?
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.
Which product is right for me?
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.
Are Ndzinga Capital's products regulated?
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).
Do I have to use more than one product?
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.
How do I get started?
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.
Is my information protected?
Yes. Documents and personal data are handled under POPIA-aware consent and stored in the Ndzinga client portal with access logging.