Banking and Finance

Banking and finance services, advice and support in relation to credit and finance agreements, transaction structuring, financing agreements, securities and negotiable instruments, shares and debentures, regulatory compliance, opinions, and drafting of related documentation and agreements.

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Insights

A small debt shouldn’t cost you your home

28 April 2026

Courts have reaffirmed that a primary residence cannot be sold for a small debt without strict scrutiny.

317

Article

Regulating tomorrow’s financial services, today

04 March 2026

South Africa’s fintech landscape is evolving, and regulation is keeping pace.

363

Article

Bypassing the National Credit Act may come back to bite you

02 June 2025

Think you can sidestep credit laws with ‘friendly’ loans or sneaky deals? Think again. Discover why trying to outsmart the... National Credit Act could lead to costly surprises you never saw coming.

592

Article

When credit agreements get sticky

06 May 2025

Navigating the ins and outs of credit agreements under the National Credit Act can feel like walking through legal quicksand.... One wrong clause or overlooked procedure, and your entire case could come undone. Before enforcing your rights, make sure you’re not stepping into a sticky situation of your own making.

1091

Article

Do you need to register as a credit provider? Here's when and how

06 May 2025

Thinking of granting credit, even just once? You might be surprised to learn that doing so—even for as little as... R1—could trigger a legal requirement to register as a credit provider. With recent changes lowering the registration threshold to zero, understanding when and how to register is more important than ever. Whether you're a busi

1827

Article

Suretyship vs Guarantee. What’s the difference?

02 May 2024

In this article, we look at two primary forms of security commonly found in financial transactions, namely suretyship agreements and... guarantees, and explain the difference between these two forms of security.

1938

Article

Be wary of an ‘instant loan’

15 September 2022

Open any newspaper, check your junkmail or read one of the many unsolicited sms or WhatsApp messages and you will... find an advertisement from a credit provider offering an instant credit loan, some even going so far as to state you are immediately approved. But how legit are these solicitations?

1935

Article

Double insurance – stroke of genius or waste of money?

15 July 2022

We all know that insurance is there to provide relief from an uncertain event that could arise and cause damage... to your property. But, can you insure for example your car with two insurers and should your car be written off in an accident claim for and receive double compensation from two insurers for the same accident? You have after all paid them

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Article