About Us

Finbond is a leading Southern African micro-finance institution (MFI) that specializes in the design and delivery of unique value and solution based ethical finance solutions tailored around borrower requirements rather than institutionalized lending policies.

Finbond focuses on assisting clients in the emerging middle class gain access to finance and credit solutions. Finbonds target market of clients is in the LSM 1 to 7 band, a target market not effectively serviced by the large banks and insurance companies due to their focus on the higher income brackets. The division operates through 182 branches in South Africa, Namibia and Botswana under the Finbond Micro Finance brand. This low cost distribution network of 'banking hall' type branches, where direct contact with clients is possible , offer short term  [30 day – 90 day ]  and medium  term [ 6 month]  personal  cash loans and credit life insurance products. Finbond’s “Hedgehog Concept”[ What can we be the best in the world at? What drives our economic engine?]  is to be “The best cash disbursing micro finance company in South Africa selling short term micro finance products putting immediate cash in customers pockets”  [ Short term being defined as 55% of debtors book in 30 day loans / 25% of book 2- 3 months loans  and 20% of book in 4-6 months loans]. Trained loan officers also provide essential education to prospective clients on site. Strategic initiatives currently underway includes:

• Offering funeral insurance in addition to the credit life insurance at all branches,
• Offering cell phone hand sets, cell phone air time and pre paid electricity at all branches
• Expanding the branch Network in Gauteng,Limpopo province, Southern Cape, Northern Cape, Free State, North West, Mpumalanga and Africa

Finbond has emerged as one of South Africa's leading and fastest growing providers of unique finance solutions. The catalyst for the Group's growth has been the identification of the need in the South African micro finance market for innovative lending products and services.

The Group's management have a long and successful track record within the micro finance and financial services sector. This combined with well developed systems, unique branded product offerings, advanced information technology and a well trained and motivated staff compliment, provide Finbond with a sound platform for future growth.