Combined Finance is a non-bank lender providing innovative, swift financial solutions to individuals and businesses. Our lending services include property bridging finance, estate agent bridging finance, invoice discounting, and instalment sale home loans. We do not compete with banks but rather fill a gap in South Africa's lending market by serving the clients who are overlooked and underserviced by the banks.
Banks traditionally underservice or overlook our target clients because they do not fit into conventional lending and risk models, or because they cannot wait for the long bank processes to be completed. Combined Finance is more agile than traditional lenders, allowing us to make quick decisions, advance money within very tight time frames, and match the finance terms to the needs of each client. We aim for financial services without red tape.
Combined Finance completed its first finance deals in 2012. In February 2013, a small group of investors came together and contributed their own capital to start trading under the Combined Finance brand. Mainfin Capital was acquired. Renier Kriek, who is a co-founder of the business, took over the full-time management of the business in September 2013.
The business has been growing steadily and testing new markets since 2013, while consolidating its market position in the existing offering and expanding to new areas. In May 2018, after several years of planning, Sentinel Homes was launched by Combined Finance as the first non-mortgage home finance company in South Africa.
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