Microlending is the hottest new trend in global finance, it’s changing the way people loan money and the profitability of the entire loan industry. Micro finance or micro credit is essentially the loaning of small amounts at affordable interest rates. This is often done against collateral assets, such as a short term loan against a car. It is generally aimed at those who lack access to traditional loan institutions, however, it is applicable to all. It is incredibly profitable as a business model, offering a solid investment opportunity and high returns! Today we’ll explore what microlending is, why it’s a great option as a business model for retirees and how to start a microlending business in South Africa, today.
What are the risks to microlending?
Before investing or learning how to run a microlending business, any savvy investor will first want to know the risks. The loan industry is known for producing incredibly high returns, yet as we all know, the higher the return the greater the risk! However, with microlending it’s different.
The business model unique to XCELSIOR is one with risks as good as zero. Here’s how we’re different:
- Our microlending model means that a loan is never offered unless there is collateral provided in return.
- The collateral ranges from items such as cars and all the way down to boats or jetskis.
- The collateral item is stored in a secure facility with 24 hour security, around the clock.
- As the loan amount never exceeds 50% of the assets trade value it is easy to recoup the initial loan amount in the event of a client defaulting on payment.
- In the event of a client defaulting on repayments, the asset is quickly sold via our registered associate traders.
- We believe in bringing integrity to an unscrupulous industry and thus any excess amount resulting from the sale of the asset is repaid to the loanee. This makes us a growing and preferred loan business for our applicants.
What do we expect in exchange for microfinance?
- And more
Why choose XCELSIOR as your microlending investment partner?
XCELSIOR has broken away from the traditional money-lending system and created a new business model that requires security that is physically retained until the loan is repaid. We provide short- term secured collateral loans to clients that need cash fast – this is particularly beneficial to clients who need instant bridging finance, who are not considered credible by mainstream financial institutions and blacklisted candidates. Unlike banks, we provide financial assistance when no one else will. We are the quickest way to get funding and offer a no red tape service of a lengthy and monotonous paper administration process. This makes us the preferred choice for those needing cash in a hurry.
XCELSIOR is a privately owned, consumer act compliant registered credit provider. Entirely funded by private equity, we offer an excellent business investment opportunity with absolutely no risk and no monthly overheads. We offer a product that will always be in high demand plus our infrastructure, market insights and focus on customer service creates a solid foundation for expansion. We believe increased private funding will give XCELSIOR the capacity to serve more clients, in more places, more often. This is why we’re giving you the opportunity to join our loan industry revolution to become South Africa’s top lending company of choice.
Retire comfortable by investing in your own microlending business
As a retiree, you’re often confronted with what to do with your new life after exiting the working world. Investing in your own microlending business is often a good idea.
With modern lifestyles becoming ever more financially orientated, consumers are constantly looking for ways to keep their funds ticking over. With debt levels increasing, more consumers are looking out for opportunities to provide themselves with credit. Nowadays, mainstream financial providers are making it incredibly difficult for clients to borrow money due to having their fingers burnt with bad debts.
The more mainstream banking constraints make it difficult for people and businesses throughout South Africa to loan money, the faster the micro-lending industry grows. Capitalising on this trend makes good sense, and with XCELSIOR the risks generally associated with such investments are very low to none. As a registered credit provider and with over 15 years in the financial services industry, our unique business model gives all our stakeholders all the benefits of this lucrative industry without the traditional risks.
Why microlending is a great business model
With over 15 years in the financial services industry, our unique business model gives our investors all the benefits of this lucrative industry without the traditional risks. Our pioneering business model takes advantage of the mainstream lending industry’s shortcomings, making us a preferred credit provider. Capitalising on this trend is a fantastic investment opportunity for stakeholders. Becoming a business partner with 100% shareholding in your own business all the while earning between 15% – 21% interest per year (paid monthly). As an example, for a capital investment of R700 000, at 15% interest, compounded monthly, you’ll walk away with R1475026.94 in just five years. You won’t find these investment opportunities at any traditional low-risk investment methods. As a business partner, a minimum investment of R100 000 is required.
In return, you get:
- 100% security on your capital
- 100% shareholding in your own business
- 15% – 21% interest per annum, guaranteed (paid monthly)
- A professional team of experts running your business
- Exceptional Returns with secure capital growth
- Monthly statements and business reviews
- No bad debt to worry about
- No monthly overheads
- No risk involved
- No staff to manage
- Reliable passive income
- Zero bad debt
- A way to actively beat inflation
How to start a cash loan business or secured loans business
As a business partner, a minimum investment of R100 000 is required. After that, opening your loan franchise is a quick, easy and hassle-free process. We at XCELSIOR handle all the administration – we take care of everything and register the business with the NCR , MFSA and in compliance with all statutory requirements. Once the required start-up funds are transferred into this business account – the team at XCELSIOR starts sourcing loans and completes all transactions on behalf of the owner. No formal experience, knowledge or qualification in the financial services industry is required at all.
As this is a passive business opportunity, the owner will not need to invest in hands-on involvement – it’s a business that requires no expenses and no staff to manage. Your capital is secure and will never be lent out without a moveable asset securing at least double the loan amount. Each transaction also falls within the new National Credit Act regulations. That’s how we can guarantee low risk and high returns.
Partnering with XCELSIOR is a superior business opportunity with a flexible, easy to manage financial growth solution. At XCELSIOR we offer you something unique – low risk and high returns – a guaranteed profit from the first month. With our unique business model, just sit back and watch your money grow and work for you.
There are many investment opportunities out there, make sure you take the time to choose the right one. For more information, contact our team of advisors today and allow us to take the time to explain our unique and superior business model to you.