Indhlovu Financial Services
Investors Relations

Financial Reports

Transparent, up-to-date performance metrics for our lending book, investor returns, and portfolio health.

Headline Performance

Key figures at a glance — updated at the close of each reporting month.

Total Capital Raised
R250K
From 12 investors
Capital Deployed
R212K
85% utilisation
Investor Returns Paid
R38K
Since inception
Repayment Rate
93%
Within 32 days

Income Statement Summary

Simplified profit & loss for the current financial year, year-to-date.

Income Statement — Year to Date All figures in ZAR
Line Item Amount (R) % of Revenue
Interest income — short-term loans 148,500.00 96.4%
Late payment penalties 5,200.00 3.4%
Other income 300.00 0.2%
Total Revenue 154,000.00 100%
Investor returns paid (38,000.00) 24.7%
Bad debt & provisions (6,800.00) 4.4%
Operating expenses (22,400.00) 14.5%
Net Profit 86,800.00 56.4%

Portfolio Health

How our lending book is performing across the repayment lifecycle.

180
Active Loans
R1,850
Avg. Loan Size
32 days
Avg. Term
2.1×
Capital Velocity
Paid on time93%
Paid late (1–30 days)5%
Defaulted (30+ days)2%

Monthly Growth

Capital deployed across the last six months.

Capital Deployed (R'000)

110
May
128
Jun
145
Jul
168
Aug
192
Sep
212
Oct

Reports Library

Downloadable reports available to registered investors.

📊

Annual Financial Statements

Full audited financials for the most recent financial year.

PDF · 1.2 MB · FY2024
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📈

Quarterly Performance Report

Detailed portfolio metrics, defaults, and investor returns for Q3.

PDF · 780 KB · Q3 2025
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📋

Investor Statement Sample

See the format of the monthly statement every investor receives.

PDF · 320 KB · Template
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🛡️

Risk & Compliance Summary

Overview of credit checks, POPIA compliance, and risk controls.

PDF · 540 KB · 2025
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Note: Detailed financial reports and monthly investor statements are only released to registered investors with a signed participation agreement. To become an investor, please visit our Investors Relations page.