Do you need cash quick?

FINLEND MICRO FINANCE

You are not a loan!

You are making a dream
a possibility with Finlend!

A grandfather and child harvesting carrots together in a garden

Get cash, today!

• Borrow R500 to R8 000.
• In your bank account.
• Repay over 1, 3 or 6 months.

What you’ll need:

A cellphone number
SA ID or passport
Bank account details
Recent proof of income

How to apply

1. Choose the amount you need
2. Choose your repayment period
3. Select “Apply Now” to continue

LOAN ESTIMATE

How much do you need?

Indicative

Loan amount R1 500

R500R8 000

Repayment period

Loans between R500 and R1,500 are available over 1 month only.

Estimated monthly instalmentR0.00

Loan amountR1 500.00

Repayment term1 Month

Estimated interestR0.00

Initiation feeR0.00

Service feesR0.00

Total cost of creditR0.00

Estimated total repaymentR0.00

Longer terms may increase the total cost of credit. Final repayment depends on affordability, credit assessment, verified loan history and your approved agreement.

View estimated repayment schedule

Payment	Date	Opening balance	Principal	Interest	Service fee	Initiation / other	Instalment	Closing balance

HOW IT WORKS

Three simple steps.

Apply

Add your details.

Upload

Send your documents.

Review

Receive your decision.

What you will need

A valid ID or passport, active cellphone number, income and expense details, plus recent proof of income.

Borrow with the full picture

Your estimate shows the configured interest and total repayment before you continue.

Your application stays controlled

Submitting an application does not create a loan. Approval and disbursement remain separate staff decisions.

Want it now and pay your way?

BUY NOW · PAY LATER

It is more than a purchase!

Bring it home today
and split it with PaySplit.

A PaySplit customer shopping at a local lifestyle store

Shop now, split later!

• Preview a purchase up to R10 000.
• Choose a plan that suits you.
• R0 interest when paid on schedule.

What you’ll need:

A cellphone number
SA ID or passport
Payment details
Recent proof of income

How it works

1. Enter your purchase amount
2. Choose a PaySplit plan
3. Apply for a spending limit

PLAN PREVIEW

Split a purchase

R0 interest*

Purchase amount R2 400

R200R10 000

Choose a plan

Pay todayR800.00

Then2 × R800.00

TotalR2 400.00

*R0 interest when paid on schedule. Approval and merchant terms apply.

HOW IT WORKS

Three simple steps.

Apply

Request a spending limit.

Shop

Choose PaySplit at checkout.

Split

Pay on schedule.

Built for real purchases

PaySplit applications stay separate from FINLEND cash-loan applications.

Flexible repayment plans

Preview your instalments before you apply or continue at checkout.

Responsible limit growth

Reliable payment behaviour can support future limit reviews.

SHOP WITH PAYSPLIT

Stores you can shop from.

Shoprite

Mr Price

Woolworths

Game

Dis-Chem

Pick n Pay

Edgars

Concept preview only — stores shown are not yet confirmed PaySplit partners.

Loan application

Secure application

Progress saves securely as you complete the form.

SECTION 1 OF 6

Personal and contact details

Enter your information exactly as it appears on your identity document.

Title * First name * Middle name Surname * Identity document * SA ID or passport number *Used for identity and credit verification. Date of birth * Nationality * Marital status Cellphone number *

+27

We use this number for application updates. Alternative contact number Email address * Preferred contact method Preferred language

SECTION 2 OF 6

Residential details

Provide the address where you currently live and can receive correspondence.

Residential address * Suburb, town or village * Municipality / district Province * Postal code * Residential status * Years at this address * Previous address (if at current address for less than 2 years)

SECTION 3 OF 6

Employment and income

Tell us where your regular income comes from. Use your latest payslip or income record.

Employment / income type * Employer or business name * Job title or occupation * Employee / payroll number Employer contact number * Time with employer * Employer or business address Pay frequency * Next salary / income date * Net monthly income (R) * Other monthly income (R) Source of other income

SECTION 4 OF 6

Monthly affordability

Use average monthly amounts. Include costs you share or pay on behalf of your household.

Rent or bond (R) * Groceries and household (R) * Transport (R) * Utilities and airtime (R) Education / childcare (R) Insurance / medical (R) Existing credit repayments (R) * Other monthly commitments (R) Financial dependants *

Total monthly incomeR0.00

Total commitmentsR0.00

Amount remainingR0.00

Estimated instalmentR0.00

Enter your income and monthly commitments to preview the repayment load.

SECTION 5 OF 6

Banking and loan purpose

The account must belong to the applicant and be able to receive funds and process repayments.

Salary bank * Account holder name * Account type * Bank account number * Branch code Preferred debit day * Loan purpose * Tell us what the funds will cover *

I confirm that the bank account belongs to me and the details supplied are correct.

SECTION 6 OF 6

Reference, documents and declaration

Add a contact person and the documents needed to complete the assessment.

Next of kin / reference name * Relationship * Reference cellphone number *

SA ID or passportLatest proof of incomeRecent bank statementProof of address

Choose how to provide your documentsYou can upload them now or request secure bank-data collection through truID.

DIRECT UPLOADUpload documents yourselfAdd PDF, JPG or PNG files directly to your application.

SECURE BANK CONNECTIONCollect with truIDShare bank statements and account information through a consent-based connection.

Upload supporting documentsPDF, JPG or PNG · up to 5 files

Submitting does not guarantee approval. A loan is created only after assessment, approval and acceptance of the final agreement.

Spending limit application

Secure application

Progress saves securely as you complete the form.

SECTION 1 OF 6

Personal and contact details

Enter your information exactly as it appears on your identity document.

Title * First name * Middle name Surname * Identity document * SA ID or passport number *Used for identity and credit verification. Date of birth * Nationality * Cellphone number *

+27

Alternative contact number Email address * Preferred contact method

SECTION 2 OF 6

Residential and delivery details

This address is linked to your profile and may be used to verify future purchases.

Residential address * Suburb, town or village * Municipality / district Province * Postal code * Residential status * Years at this address * Preferred delivery instructions

SECTION 3 OF 6

Employment and income

Use your most recent income information so the requested limit can be assessed responsibly.

Employment / income type * Employer or business name * Job title or occupation * Employee / payroll number Employer contact number * Time with employer * Pay frequency * Payday * Salary bank * Net monthly income (R) * Other monthly income (R) Source of other income

SECTION 4 OF 6

Monthly affordability

Enter average monthly household commitments before choosing your spending limit.

Total monthly incomeR0.00

Total commitmentsR0.00

Amount remainingR0.00

Estimated paymentR0.00

Enter your income and monthly commitments to preview the payment load.

SECTION 5 OF 6

Purchase and repayment plan

Tell us how you intend to use the requested PaySplit limit.

Requested limit (R) * Preferred plan * Expected purchase date Merchant name Purchase category * Preferred payment method * What do you plan to buy? *

SECTION 6 OF 6

Documents and declaration

Upload clear, recent documents so your spending limit can be reviewed without unnecessary delays.

SA ID or passportLatest proof of incomeRecent bank statementProof of address

Choose how to provide your documentsYou can upload them now or request secure bank-data collection through truID.

DIRECT UPLOADUpload documents yourselfAdd PDF, JPG or PNG files directly to your application.

SECURE BANK CONNECTIONCollect with truIDShare bank statements and account information through a consent-based connection.

Upload supporting documentsPDF, JPG or PNG · up to 5 files

Approval creates a PaySplit spending limit—not a cash loan or an approved purchase.

Loan account

Portal pass

FINLEND LOAN ACCOUNT

Open your account.

Enter the portal pass issued by FINLEND and the identity number linked to your profile.

My FINLEND

Private account

Your application. One secure view.

See your application stage, credit-cost estimate, documents, repayment schedule and next steps.

1ReceivedYour application has been submitted.

2ReviewYour details and documents are assessed.

3DecisionYour application outcome is recorded.

FINLEND CUSTOMER ACCESS

Open your FINLEND account

Use the reference and private six-digit code issued when you submitted your loan application.

Your identity number is never shown or requested on this tracking page.

Support centre

Customer help

CUSTOMER ASSISTANCE

Get help with your loan or payment plan.

Choose your product to reach the right self-service option.

FINLENDMICROFINANCE

Loan support

For cash-loan applications, active loan accounts and repayment information.

01Application status02Loan account access03Repayment information

PaySplitBUY NOW, PAY LATER

Payment-plan support

For PaySplit limit applications, purchases, instalments and participating stores.

01Limit application status02Purchase or instalment help03Store information

DIRECT SUPPORT

Contact customer care

Use the details below when self-service does not answer your query.

PhoneSupport number not configured EmailSupport email not configured

BEFORE YOU CONTACT US

Have these details ready

This helps the team locate the correct application or account quickly.

1Application referenceIf one was issued2ID or passport numberUsed on your application3Registered cellphoneThe number linked to you

Do not send your bank PIN, card PIN or one-time password.

NEED THE TEAM?

Create a support request

Choose the exact task you need help with. We will create a reference for follow-up.

FINLEND APPLICATION

Application received.

Your application has been sent for review.

Application reference—Keep this reference for follow-up.

Private tracking code—This code is shown once. Save it with your application reference.

TODAY AT FINLEND

Good day

Your daily lending brief is being prepared.

PRIORITYPreparing your priority action…

LIVE BUSINESS PULSE

Due todayR0.000 accounts

OverdueR0.000 accounts

Capital readyR0.00Available to lend

Messages today00 reminders ready

Applications00 awaiting review

Promises today0R0.00 expected

Monthly Capital

R0.00

Current lending cycle

Capital Deployed

R0.00

This month

Available to Lend

R0.00

Remaining capital

Expected Interest

R0.00

Booked this cycle

Collections Due

R0.00

Due this month

Capital & collections trend

Last 6 months

Portfolio health

0Active

0Paid

0Due soon

0Overdue

Capital utilisation

Set monthly capital to begin.

Recent activity

Live audit trail

Upcoming collections

LENDING WORKFLOW

Application Pipeline

Move every request from enquiry to review, approval and disbursement without losing the history of the decision.

New

Awaiting documents

In Review

Needs a human decision

Approved

Ready to issue

Issued

Converted to loans

Declined

Decision recorded

COMPANY FUNDING DIVISION

Two lending businesses. One company.

Micro Lending and PaySplit operate as separate business units with separate customers, products, pricing, risk logic and capital tracking. This hub consolidates only management-level funding visibility.

FUNDINGGROUP VIEW

BUSINESS UNIT 01

Micro Lending

Direct cash lending to individual clients under the existing Nxumalo loan book.

Active loans0

OutstandingR0.00

Capital this monthR0.00

Collections this monthR0.00

BUSINESS UNIT 02

PaySplit

Merchant-funded Buy Now, Pay Later with its own customers, transactions, settlements and financial model.

Monthly GMVR0.00

ReceivablesR0.00

PaySplit capitalR0.00

Merchant fee revenueR0.00

Company funding position

Consolidated management view only — operating books remain separate.

Group

Combined capital poolsR0.00

Combined outstanding / receivablesR0.00

Micro Lending share0%

PaySplit share0%

PAYMENTS • AFFORDABILITY • MERCHANT GROWTH

Buy Now. Pay Smarter.

PaySplit is a complete BNPL operation inside the company — with its own shopper limits, merchant economics, checkout engine, instalment schedules, settlements, risk controls, rewards and funding model.

DEDICATED BNPL CAPITALR0.000.0% utilised

GMV this monthR0.000 purchases

Merchant fee revenueR0.00BNPL revenue

Active receivablesR0.00Future shopper instalments

Due next 7 daysR0.000 instalments

Pending settlementsR0.00Merchant obligations

Portfolio health100%Current instalments

Checkout Studio

Create a purchase, test eligibility and preview the instalment schedule.

Repayment Engine

Track scheduled, paid, failed and overdue instalments.

Risk & Limits

Internal BNPL risk signals, freezes and limit recommendations.

SplitScore

Reward reliable repayment and manage limit progression.

Live PaySplit activity

Recent BNPL purchases and shopper payments.

PaySplit Pulse

What needs attention inside the BNPL business.

LIVE

PAYSLIT CHECKOUT

Checkout Studio

Simulate the shopper experience, test available limit and approve a BNPL purchase.

Purchase setup

This is PaySplit checkout logic — no Micro Lending loan is created.

BNPL

Shopper

Merchant

Purchase amount (R)

Payment option

AVAILABLE PAYSPLIT LIMITR0.00Select a shopper

PurchaseR0.00

Pay todayR0.00

InterestR0.00

In-store QR acceptance

Merchant QR can be displayed at a till or service desk.

QR first

Checkout safeguards

PaySplit-specific controls applied before purchase approval.

Available limitPurchase cannot exceed the shopper's available PaySplit limit.

Repayment healthOverdue or failed instalments trigger review or account freeze.

Affordability signalPurchase size is compared with captured monthly income.

SHOPPER MANAGEMENT

PaySplit Customers

Limits, SplitScore, available spending power and repayment behaviour.

Total customers0

Available limitsR0.00

Limits currently usedR0.00

Frozen / review0

Customer	SplitScore	Tier	Limit	Used	Available	Next Payment	Risk

CUSTOMER EXPERIENCE

PaySplit Shopper App

Preview the customer-facing wallet and repayment experience.

•••

Hello

AVAILABLE LIMITR0.00of R0.00

NEXT PAYMENTR0.00Nothing due

SPLITSCORE—

Starter

HomePaymentsScoreSupport

Customer payment calendar

What the selected shopper would see.

Preview

MERCHANT NETWORK

PaySplit Business

Merchant onboarding, GMV, fees, settlement exposure and performance.

Active merchants0

Total merchant GMVR0.00

Fees earnedR0.00

Settlement dueR0.00

Merchant	Sector	Fee	GMV	Transactions	Avg Basket	Settlement Due	Status

TRANSACTION LEDGER

PaySplit Transactions

Every BNPL purchase, merchant fee, customer receivable and payment plan.

Total GMVR0.00

Merchant RevenueR0.00

Outstanding ReceivablesR0.00

Transactions0

Reference	Date	Customer	Merchant	Plan	Purchase	Fee	Outstanding	Status

REPAYMENT ENGINE

Instalment Calendar

Track the lifecycle of every PaySplit instalment independently from Micro Lending collections.

Automated schedule

Due todayR0.00

Due next 7 daysR0.00

OverdueR0.00

Paid this monthR0.00

Due	Customer	Transaction	Instalment	Amount	Status	Paid	Actions

MERCHANT MONEY MOVEMENT

Merchant Settlements

PaySplit's settlement obligations remain separate from shopper instalment collections.

Merchant-funded

PendingR0.00

SettledR0.00

Total merchant valueR0.00

Settlement items0

Settlement	Merchant	Transaction	Gross	Fee	To Merchant	Status	Settled

PAYSPLIT RISK ENGINE

Risk & Limits

Behavioural signals, limit utilisation, missed instalments and human-review controls.

Internal decision support

Low risk0

Watch0

High attention0

Frozen accounts0

Portfolio utilisation0%

Risk controls

Operational PaySplit rules. Final lending decisions remain human-controlled.

Auto-freeze after failed instalmentsReview above limit utilisation%Purchase / income review threshold%

These are PaySplit-only controls. They do not modify Micro Lending pricing, applications or client scores.

Portfolio signals

Risk indicators calculated from PaySplit behaviour only.

Customer	SplitScore	Utilisation	Failed	Overdue	Risk	Current Limit	Suggested Limit	Actions

RESPONSIBLE REPAYMENT REWARDS

SplitScore & Rewards

Reward successful repayment behaviour instead of encouraging unnecessary borrowing.

Behavioural loyalty

Starter300–619

Bronze620–679

Silver680–739

Gold740–799

Platinum800–900

Customer progression

SplitScore is an internal PaySplit behaviour score, not an external credit-bureau score.

Customer	SplitScore	Tier	Completed Purchases	Paid Instalments	Failed / Overdue	Current Limit	Suggested Limit

POST-PURCHASE OPERATIONS

Refunds & Disputes

Cancel future instalments, record customer refunds and manage merchant recovery.

Refund register

Full and partial PaySplit refunds.

Reference	Transaction	Customer	Amount	Reason	Merchant Recovery	Status

Disputes

Shopper or merchant issues requiring investigation.

Case	Transaction	Type	Opened	Status

Client register

0 clients

Client	ID / Passport	Phone	Occupation	Status	Current Balance

Loan book

0 loans

Loan	Client	Principal	Interest	Total Due	Balance	Due Date	Status

Due Today

R0.00

0 loans

Due This Week

R0.00

0 loans

Overdue

R0.00

0 loans

Collected This Month

R0.00

Recorded repayments

SMART COLLECTIONS DESK

Today's action queue

Priorities are calculated from due dates, balances and recorded follow-up commitments.

Promises today0R0.00 promised

Follow-ups due0Recorded actions

Priority overdue0Needs attention first

Next 7 daysR0.00Expected collections

Priority	Due	Loan	Client	Balance	Status	Next Action

Document centre

Generated locally

Document	Client	Reference	Date

CLIENT EXPERIENCE

Client Portal Manager

Create a private portal pass and preview exactly what a borrower will see. This version is local-preview ready; publishing client access requires the secure backend/HTTPS stage.

CLIENT VIEW

Create portal access

Each client gets a unique local portal pass.

Preview mode

Client

Choose a client to manage portal access.

What the client sees

A clean self-service view with no access to your internal workspace.

Balance & due dateCurrent outstanding amount and next due date.

Payment historyReceipts and recorded repayments.

DocumentsStatements, confirmations and receipts.

Proof of paymentUpload a POP into the local review queue.

Security boundary: this local version is a portal preview on the same device. A real client-facing URL needs the next backend phase so client data is served securely and separately from the admin database.

Proof-of-payment inbox

Files uploaded through the local portal preview are held for review.

0 pending

Received	Client	Loan	File	Status

DOCUMENT AUTHENTICITY

Verification Centre

Every issued client document receives a unique Nxumalo verification code and a real QR code generated locally.

LOCAL
VERIFICATION

Verify a document

Enter the code printed next to the QR code on the document.

Instant lookup

Ready to verify

Enter a Nxumalo verification code above.

How it works

Designed for tamper awareness and document traceability.

1GenerateConfirmation, receipt or statement is issued.

2SecureA unique code and QR are printed on the PDF.

3CheckUse this screen to confirm the document exists in the local register.

The QR currently contains the verification code and document reference. Because this system is local, scanning it displays the code; verification is completed in this Verification Centre. If the system is hosted later, the QR can open a public verification page automatically.

Issued document register

A permanent local audit of documents generated by this system.

0 issued

Verification Code	Document	Client	Reference	Issued

CLIENT COMMUNICATIONS

WhatsApp Centre

Payment reminders, client messages and document hand-off from one place.

Assisted local mode

Local assisted mode: Finlend Micro Finance prepares the message and opens the client's WhatsApp chat. For documents, the PDF is downloaded first so you can attach it in the opened chat. Full automatic sending requires a secure WhatsApp Business API gateway.

Reminder Window

Due in 2 days

Due Today

Ready to contact

Overdue

Needs follow-up

Communication Log

Recorded interactions

Reminder queue

Automatically built from open loan due dates.

0 reminders

Client	Loan	Due	Outstanding	Reminder

Optional manual message

Routine loan, payment and reminder messages are automatic. Use this only for an exceptional manual contact.

Preview first

Client

Message Type

Related Loan

Message Preview

Communication history

The local system records when a chat was opened or a secure gateway accepted a request. It does not claim delivery unless a gateway returns that status.

Date	Client	Type	Loan	Phone	Status

Total Disbursed

R0.00

All recorded loans

Interest Booked

R0.00

Gross expected interest

Total Collected

R0.00

All repayments

Overdue Balance

R0.00

Requires attention

Monthly lending performance

Disbursed vs interest

Loan-size mix

Portfolio distribution

Business insights

Automatic

PAYSPLIT STRATEGY & FUNDING LAB

3-Year PaySplit Financial Model

This financial model belongs to the standalone PaySplit BNPL business unit. Change assumptions, compare capital scenarios and see the 36-month funding requirement immediately.

36 MONTH MODEL

Planning model vs live loan book

This module preserves the PaySplit merchant-funded BNPL assumptions from the financial model. “Pull PaySplit Actuals” only uses the current Nxumalo capital and disbursements as planning proxies; it does not change client loans, balances, pricing or approvals.

Starting EquityR0Model assumption

Contribution Margin0.0%After modeled variable losses/costs

Break-even GMVR0Indicative monthly operating break-even

Break-even Month—Within 36-month forecast

Peak Funding NeedR0Total capital capacity required

Peak Funding GapR0Above starting equity

Base-case assumptions

Editable inputs are saved with the local LMS database.

PaySplit BNPL

Starting equity capital Month 1 GMV / transaction volume Year 1 monthly growth% per month Year 2 monthly growth% per month Year 3 monthly growth% per month Average merchant fee% of GMV Expected credit loss% of GMV Funding cost% of GMV Payment processing% of GMV Fraud loss% of GMV Month 1 fixed operating expenses Annual opex inflation% per year First payment at checkout% of purchase Liquidity reserve% of capital Operational / risk reserve% of capital Average order value Average monthly GMV per merchant

Live PaySplit snapshot

Current operating figures from the PaySplit business unit only.

Current month

Current lending capitalR0.00

Disbursed this monthR0.00

Interest booked this monthR0.00

Collections this monthR0.00

Total outstandingR0.00

Live portfolio yield0.0%

PaySplit Model Month 1 GMVR0

Current PaySplit GMVR0

Monthly GMV growth

Base-case 36-month transaction volume.

3 years

Funding requirement

Required funding capacity compared with starting equity.

Capital pressure

Starting capital scenarios

Approximate steady-state capacity before a separate receivables / warehouse facility.

R500k • R1m • R5m • Current

Unit economics — per R1,000

Contribution before fixed operating expenses.

Base case

Merchant fee vs credit loss

Contribution-margin sensitivity after funding, processing and fraud costs.

Sensitivity

36-month forecast

Demand-led model showing profitability and capital required to support scale.

36 months

Month	GMV	Customers	Merchants	Revenue	Contribution	Opex	EBITDA	Funding Need	Funding Gap	Status

Lending month

Capital available for lending

R0.00

Enter / update capital (R)

Capital utilisation

DeployedR0.00

AvailableR0.00

Expected InterestR0.00

Loans Issued0

Closed months

Month-end reports

Month	Capital	Deployed	Interest	Collected	Outstanding

NCR compliance pricing

One controlled set of values is used by estimates, applications, schedules and newly issued loans.

These are configurable maximum pricing inputs for the estimator. A final quotation must still use the correct product classification, affordability outcome, actual agreement dates and the regulations in force on the agreement date.

Business details

Used on documents

Business Address

Phone

Local security

Optional PIN

Enable a local startup PIN to keep the workspace locked when the file is opened on this computer.

New PIN (4–8 digits)

Confirm PIN

WhatsApp automation

Routine loan, payment and reminder templates are selected automatically by the system.

Automated

Automation

Reminder Lead Time (days)

Automation Server

Loan issuedSend the correct loan template + confirmation PDF automatically. Payment recordedSend receipt or paid-up template + PDF automatically. Scheduled remindersSend reminder, due-today and overdue templates automatically.

Automation server not tested

Client names, loan numbers, amounts, balances and dates are inserted automatically. You do not choose the routine message for each client.

Install Finlend as an app

Use the included local app server to unlock installable PWA mode and offline caching.

Browser mode

Finlend Funding OS

When this package is started with START_FINLEND_APP.bat, Chrome or Edge can install it as a standalone desktop app. The app shell is cached for offline use; business data remains in the browser's local database.

Appearance mode

Liquid Glass is an optional visual mode inspired by Apple’s glass-like interface language. It can be turned on or off at any time.

Classic

Enable Liquid Glass modeUse frosted, translucent, layered glass surfaces across Finlend and PaySplit.

What changes in this mode?

Glass navigation and floating panels
More blur, reflection and translucent surfaces
Stronger layered depth and shimmer
Separate glass tint for Finlend and PaySplit

System information

Offline-first

Storage engine—

Last backupNever

Application versionFinlend Premium Funding OS v11.2

Backup Finlend Micro Finance

Create a complete local backup of your clients, loans, payments, pricing, capital records, activity history and settings.

Restore Finlend Micro Finance

Restore a previously exported .finlend or legacy .nxumalo backup file. The current local database will be replaced after confirmation.

Choose a backup file from this computer.

Other exports

Portable records