LulaLend

Ngokubanzi ngeNkampani yeLulalend nemvelaphi yayo eMzantsi Afrika

I-Lulalend (Pty) Ltd, ebhaliswe ngenombolo 2014/156767/07, yinkampani ye-fintech yaseMzantsi Afrika eyaziwa ngokubonelela ngemali-mboleko yosomashishini ngokwedijithali. Yasungulwa ngo-2014 eKapa ngabantu ababini abanamava amaninzi: uTrevor Gosling, olibali le-CA kunye nomrhwebi, kunye noNeil Welman, ingcali yezemali enobuchwepheshe kwingozi yetyala. Le nkampani isahleli iphantsi kolawulo lwabangasese, ixhaswa ngabatyali-mali abaziintloko abanjengoLightrock Africa, DEG, IFC, Triodos IM, Quona Capital, Women’s World Banking, kunye neBlue Earth Capital. Ukusukela ekusekweni kwayo, i-Lulalend iboleke ngaphezulu kwe-ZAR 3 yebhiliyoni (malunga ne-USD 150 yezigidi) ngemali-mboleko kumashishini amaNcinci naAphakathi (ama-SME).

Imodeli yebhishini yeLulalend ijolise kumashishini amaNcinci naAphakathi anomlando wokurhweba ongaphezu konyaka omnye kunye nengeniso yonyaka engaphezulu kwe-ZAR 500,000. Basebenzisa imodeli ye-"tech-and-touch", apho iinkqubo zokunikezelwa kwezikwereti, ukuhlolwa, ukubeka iliso, kunye nokuxhaswa ngemali zenziwa ngokuzenzekelayo ngesicelo. Ingenelelo yomntu yenzeka kuphela kwizigqibo zokugqibela kunye nokulawula ubudlelwane nabathengi. Oku kuyenza ibe yenye yeenkampani zokuqala eMzantsi Afrika ukubonelela ngeenkonzo zokuboleka ngemali ezizenzekelayo ngokupheleleyo, ezinika isantya esikhulu kunye nokufikeleleka.

Iimveliso zeMali-Mboleko neeNkonzo ezibonelelwa yiLulalend

I-Lulalend inikezela ngemveliso ezahlukeneyo zemali-mboleko ezijolise kwiimfuno ezahlukeneyo zama-SME. Zonke iimveliso zabo azikhuselekanga, nto leyo ethetha ukuba akukho sibambiso sifunekayo.

• Isibonelelo seNkunzi esiJikelezayo (RCF): Oku sisibonelelo esiguquguqukayo, esingakhuselekanga esifika kwi-ZAR 5 yezigidi. Amashishini angenza ukutsalwa kwemali kunye neentlawulo ngokwesidingo, nto leyo enika inkululeko enkulu yokulawula imali. Esi sibonelelo sihlaziywa qho ngekota.
• Inkqubela yeNkunzi: Ezi ziimali-mboleko ezininzi zokuqala ezifika kwi-ZAR 5 yezigidi, ezihlawulwa ngaphezulu kweenyanga ezi-3 ukuya kwezi-12. Kubathengi abatsha, i-Lulalend inikeza iinyanga ezimbini zokungahlawuli ekuqaleni.
• Inkqubo yeMali yeZinto kunye neZixhobo: Le yimali-mboleko ekhethekileyo yeZAR 5 yezigidi, ejolise ekuxhaseni ngemali ukuthengwa kwezinto zokusebenza okanye izixhobo zeshishini.
• Imali-mboleko yoKuvala Izikhewu: Ikwafikelela kwi-ZAR 5 yezigidi, le mali-mboleko ijolise ekuvaleni izikhewu zexesha elifutshane phakathi kweentlawulo, inceda amashishini ukuba aqhubele phambili ngaphandle kokuphazamiseka kwinkqubo yentlawulo.

Amanani emali-mboleko aqala kwi-ZAR 20,000 kwaye angaya kufikelela kwi-ZAR 5,000,000. Amazinga enzala ahluka ngokwemveliso kunye nexesha. Ngokubanzi, iindleko zenyanga zi-1.5% ukuya kwi-6% yesixa esibolekiweyo, nto leyo ethetha ukuba i-APR esebenzayo inokuba phakathi kwe-24% ukuya kwi-100% ngonyaka. Isixa esichanekileyo sihlala sixelwa ngexesha lesicelo semali-mboleko. I-Lulalend ayihlawulisi intlawulo yokuhlawula kwangethuba. Nangona kunjalo, kukho iindleko zokuqalisa/zokulungisa ezifakwe kwiindleko zenyanga (2-6%), kunye nentlawulo yokulibazisa intlawulo ye-2% yenyanga kwizixa ezingekahoyiswa.

Inkqubo yeSicelo, iMfuneko kunye neNdlela yoMsebenzi yeApp yeselula

Inkqubo yesicelo seLulalend iyenziwa ngokupheleleyo ngedijithali, ngenxa ye-app yabo yeselula efumaneka kwii-iOS kunye ne-Android, kunye ne-web portal. Akukho ziseko zexesha eliqhelekileyo zokwenyama, nto leyo eyenza inkqubo ikhawuleze kwaye ibe lula kakhulu.

Inkqubo yeSicelo neeMfuneko:

Ukufaka isicelo, amashishini kufuneka adibanise ii-akhawunti zabo zasebhanki nenkqubo yeLulalend ukwenzela ukungenisa idatha yentengiselwano ngexesha lokwenyani, okanye bangalayisha iingxelo zakutshanje zasebhanki. Kuyafuneka kwakhona ukuba kubonelelwe ngesazisi saseMzantsi Afrika kunye namaxwebhu eshishini ukuze kuqinisekiswe. Inkqubo yonke yokubhalisa igqitywa kwimizuzu embalwa. I-Lulalend isebenzisa i-algorithm yayo yokulinganisa ngenqaku lekhredithi, ehlalutya idatha yentengiselwano, enye idatha, kunye nedatha yokuziphatha ukulinganisa amashishini ngexesha lokwenyani. Izigqibo zokuhlolwa kwezicelo zenziwa ngokuzenzekelayo, kwaye kuphela iimeko ezinobungozi obuphezulu ezithunyelwa kuhlolisiso olwenziwa ngabantu.

Iimpawu zeApp yeselula kunye namava oMsebenzisi:

I-app yeLulalend iyafumaneka kwi-iOS (ifuna i-iOS 16.0+) kunye ne-Android (Google Play). Kwi-Google Play, inabasebenzisi abangaphezulu kwe-1,000 abakhuphele i-app kwaye inokulinganisa kwe-4.3 ★. Iimpawu eziphambili ze-app ziquka:

• Ukulawulwa kwesibonelelo semali-mboleko
• Ukulandelelwa kweentlawulo
• Ukabelana ngeenkcukacha ze-akhawunti
• Ubungqina bentlawulo
• Izaziso ezahlukeneyo

I-app yenzelwe ukuba ibe lula ukuyisebenzisa, inike abasebenzisi ukufikelela okulula kulwazi lwe-akhawunti yabo. Emva kokuba isicelo sivunyiwe, imali idluliselwa kuyo nayiphi na i-akhawunti yasebhanki yeshishini laseMzantsi Afrika nge-EFT kwiiyure ezingama-24.

Isimo soLawulo, ukuHlolwa kwabaThengi kunye neNdima kwiMarike

I-Lulalend yinkampani esebenza ngokupheleleyo phantsi komthetho kwaye ibhalisiwe njengomboneleli weenkonzo zezemali nomlawuli weZikweleti zeSizwe (i-NCR) yaseMzantsi Afrika. Ithobela umthetho weZikweleti zeSizwe (i-National Credit Act) kunye nomthetho weZiko leNgcaciso yezeMali (i-FICA), nto leyo eqinisekisa ukuba intengiselwano yabo isemthethweni kwaye ikhuselekile. Akukho zohlwayo zolawulo lukawonke-wonke okanye izenzo zokuqinisekisa umthetho ezichasene nabo ukuza kuthi ga ngoku, okubonisa ukuthembeka kwabo. Banikezela ngokubhengezwa kweentlawulo okungafihliyo, amalungelo okupholisa, uhlolisiso olubolekisa ngobuchule, kunye nokhuseleko lwedatha ngesikhowo.

UkuHlolwa kwabaThengi kunye neNdima kwiMarike:

I-Lulalend ithathwa njengenkokeli kwimarike yokubolekisa ngedijithali yama-SME eMzantsi Afrika, kwaye yayiyenye yeeplatifomu zokuqala ezizenzekelayo ngokupheleleyo kweli lizwe. Kuqikelelwa ukuba banesabelo se-15% kwimarike ye-fintech SME credit. Abakhuphisana babo abaphambili baquka i-FlexiPay, i-RainFin, i-Merchant Capital, kunye ne-TymeBank (kwicandelo lama-SME).

AbaThengi banikeze amanqaku ahlukeneyo kuLulalend:

• Google Play: 4.3 ★ (kwiinguqulelo ezingaphezu kwe-1K)
• Trustpilot: 3.0 ★ ("Average. Refused payout during cycle.")
• Hellopeter: 2.1 ★ ("High interest; re-assessment issues.")

Izikhalazo eziqhelekileyo ziquka ukungavunyelwa kwemali kwisigaba esiphezulu somjikelo wemali-mboleko, iindleko eziphezulu zesibonelelo esijikelezayo, kunye nokujongwa kwekredithi okuphindaphindiweyo. Nangona kunjalo, i-Lulalend inabasebenzi abazinikeleyo bolawulo lobudlelwane kunye nenkxaso ngeendlela ezininzi (i-imeyile: [email protected], ifowuni: +27 66 383 1840) ukulungisa iingxaki zabathengi. Amabali empumelelo abonisa ukuba inkxaso-mali yeLulalend inceda amashishini ukuba akhule ngokukhawuleza, aphucule izixhobo, kwaye adale imisebenzi kuluntu.

Ingcebiso eluncedo kubaboleki abanokubakho

Njengoko i-Lulalend ibonelela ngezisombululo zemali ezikhawulezayo nezilungele amashishini amancinci naphakathi, kubalulekile ukuba ababoleki abanokubakho baqonde ngokupheleleyo imigaqo kunye neemeko phambi kokuba benze isicelo. Nazi iingcebiso ezithile:

1. Qonda Amazinga eNala kunye neeNtlawulo: Hlala uqonda ukuba iindleko zenyanga zi-1.5% ukuya kwi-6% kwaye i-APR ingafikelela kwi-100% ngonyaka. Qinisekisa ukuba uyaqonda yonke intlawulo, kubandakanya iindleko zokuqalisa kunye nentlawulo yokulibazisa intlawulo, ukuthintela izinto ezingalindelekanga. Bala ukuba ingaba le mali-mboleko ibiza kangakanani kwishishini lakho.
2. Jonga iiMfuno zokuHlawula: Xa ukhetha i-Capital Advance, qaphela ukuba kukho amaxesha athile okuhlawula (iinyanga ezi-3, 6, 9, okanye 12). Ukuba ukhetha i-Revolving Capital Facility, qonda ukuba isibonelelo sihlaziywa qho ngekota kwaye kuyadingeka ukuba uhlawule xa ufuna.
3. Sebenzisa iTekhnoloji: Ngokuqulunqwa kwayo kwedijithali, i-Lulalend ibonelela ngesantya esikhulu. Qinisekisa ukuba isicelo sakho sigqityiwe ngocoselelo kwi-app okanye kwiwebhusayithi. Lumkela ukubonelela ngedatha ye-akhawunti yasebhanki echanekileyo ukwenza inkqubo ye-KYC kunye nokuvunywa kwekredithi kube lula.
4. Funda UkuHlolwa Kwabanye Abathengi: Jonga ukuphononongwa kwabathengi kwiindawo ezifana ne-Google Play, i-Trustpilot, kunye ne-Hellopeter. Nangona kukho izikhalazo ezithile malunga neendleko eziphezulu okanye ukuphazamiseka kwentlawulo, qonda ukuba amava ahlukile kumntu ngamnye. Sebenzisa oku njengesikhokelo, kodwa yenza uphando lwakho.
5. Thelekisa Nabakhuphisana: Ngaphambi kokuzibophelela, thelekisa iinkonzo zeLulalend nabakhuphisana abanjengo-FlexiPay, i-RainFin, i-Merchant Capital, okanye i-TymeBank (kwicandelo lama-SME). Jonga ukuba zeziphi iinkonzo ezifanele iimfuno zeshishini lakho ngakumbi.
6. Boleka Ngobuchule: Musa ukuboleka imali eninzi kunale unokuyihlawula. Qinisekisa ukuba ishishini lakho lineendlela zokuhlawula imali-mboleko ngexesha, ukuthintela iintlawulo zokulibazisa okanye iingxaki kwirekhodi lakho lekhredithi.

Ngokuqonda ngokucacileyo iinkonzo zeLulalend, iindleko, kunye nezinye izinto ezifunekayo, amashishini angathatha izigqibo ezinolwazi kwaye asebenzise iimali-mboleko zedijithali ukuxhasa ukukhula kwawo eMzantsi Afrika. I-Lulalend iqhubeka nokuba ligalelo elibalulekileyo kwizisombululo zemali zama-SME, isenza kube lula ukufikelela kwinkxaso-mali ngokukhawuleza.