Lndr

CEO and Director Neville Graham leads the firm. His background includes Head of Lending at TymeBank and Chief Credit Officer at MyBucks SA, where he managed credit-risk, collections and insurance functions. The management team also includes Johan Breedt, who oversees IT and process design, and Awie Fourie, who leads distribution.

No. Lndr is a registered National Credit Provider that originates and services loans on behalf of funding partners — specifically, the loans are written on the partners' balance sheets. The firm describes itself as providing an end-to-end digital lending service rather than deploying proprietary capital.

Confirmed partners include Access Bank, which began funding payroll loans under a three-year SLA signed in October 2022, and MTN, which launched a personal-loan product on its MoMo mobile-money platform. An earlier facility with UBank disbursed R245 million before the bank entered curatorship in April 2022.

As of the most recent public update, Lndr reported a loan book of R363 million across 5,969 loans, with a 93% accumulative payroll-collection rate. The firm does not disclose assets under management because the loans reside on partner balance sheets.

Lndr specialises in payroll-deducted personal loans. It targets employees of municipalities, mines and independent businesses where repayments can be collected directly from salaries, which supports the high reported collection rate.