Relationship first.
Paperwork second.
Not because the paperwork does not matter, it matters a great deal, but because a file tells you what someone owns, and a conversation tells you whether they will pay you back.
We meet
Come to Heeraa Mansion, or call. We want to understand the requirement, the asset behind it and the timeline you are working to. No forms at this stage. If it is not something we do, we say so before you have gathered a single document.
We assess
Valuation and diligence are handled in-house by our own people. The credit decision is taken by the people who carry the risk, in the same building, and you get a straight answer either way.
We disburse
Terms structured around the asset rather than a product sheet. Rate, charges and the method of applying interest stated in writing before you sign anything. Clean documentation, and timelines we actually keep.
Four things that have
not changed since 1995.
Decisions taken here
Promoter-led credit calls. No committee queue, no distant head office, no number nobody can explain.
Structures that flex
Terms shaped around the asset and the borrower. A gold loan and an acquisition facility should not look alike, and here they do not.
Discretion as standard
Private financing conducted privately. Much of our business still arrives by referral, which only works if the last borrower was treated properly.
Our own building, our own book
We own the premises we lend from. No charge is registered against our assets. The money we lend is money we can afford to have out.
What we will not do
- Call you at odd hours, or involve your neighbours or relatives to apply pressure. This is written into our Fair Practices Code and binds every member of our staff and any agent acting for us.
- Levy a charge you were not told about in writing before you signed.
- Capitalise penal charges, or compute interest on them.
- Accept a public deposit, we are not authorised to, and anyone offering one in our name is not us.
All of this is set out formally in our Fair Practices Code, and it applies to every member of our staff and any agent acting for us.