Capfin
- Company typePrivate
- Founded2010
- Headquarters—
- Headcount501–1,000
- GTM typeB2C
- OfferingServices
Capfin firmographics
Firmographics- Name
- Capfin
- Legal name
- Capfin, a division of Pepkor Trading (Pty) Ltd
- Website
- https://capfincareers.co.za
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Ownership category
- akta.pro rank
Capfin industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Nondepository Credit Intermediation (5222)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Subprime Installment Loans (Non-Prime Personal Loans) (FSAKAOAA)
Keywords
Capfin business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Credit/Lending Operations: Capfin generates revenue through providing unsecured short-term loans to customers. As a credit provider, revenue is derived from interest and fees charged on loan products. The company operates as a division of Pepkor Trading (Pty) Ltd.
Capfin product offering
Product offeringCore offering
Capfin provides unsecured short-term personal loans to South African consumers through a people-centric contact centre and online self-service tools. The company operates under ethical, responsible, and compliant credit policies, offering simple, affordable, and accessible loan products to individuals who need quick access to credit without collateral requirements. Capfin operates as a division of Pepkor Trading (Pty) Ltd, benefiting from a shared central support structure under Pepkor Payments and Lending.
Product overview
Capfin offers a single core product: unsecured short-term loans. The company is a South African credit provider focused on empowering customers through affordable loan products that are simple to use and easily accessible. Founded in 2010, Capfin operates with ethical and responsible lending practices, placing customers at the heart of the business. As of November 2022, Capfin became part of Pepkor Payments and Lending, a division of Pepkor Trading (Pty) Ltd, benefiting from shared central support structures.
Differentiator
Problem solved
Functional benefit
Products and services
- Capfin Unsecured Short-Term Loans Unsecured short-term personal loans that are simple to use, affordable, and easily accessible, offered to South African consumers with ethical, responsible, and compliant credit policies. Loans are applied for and managed via a people-centric contact centre and online self-service tools.
Companies that use Capfin
Customer profileSegments1 record
Ideal customer profiles1 record
Capfin technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Capfin partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Pepkor Trading (Pty) LtdcoreCapfin operates as a division of Pepkor Trading (Pty) Ltd following the launch of Pepkor Payments and Lending on November 1, 2022. Support functions including Credit Risk and Analytics, Finance, Marketing and Business Development, and People Support were transferred to Pepkor, creating a shared central support structure.
Scale indicators1 record
Recent moves4 records
Expansion highlights3 records
Capfin competitors and assessment
Company assessmentDirect peers
- Letshego Holdings: Pan-African inclusive finance group offering unsecured personal and micro-loans across multiple African markets, comparable in product and emerging-market consumer-credit focus.
- Bayport Financial Services: South African and pan-African provider of unsecured personal and payroll-deduction loans, competing head-to-head with Capfin in the same customer segment.
- African Bank: South African retail bank focused on unsecured personal lending to mass-market consumers, directly comparable to Capfin's customer segment and product type.
- DirectAxis (part of Transaction Capital): South African unsecured personal loans provider targeting similar mass-market customers with similar short-term credit products.
Broad incumbents
- Transaction Capital (Transaction Holdings): JSE-listed financial services group whose Bayport and SA Taxi divisions are direct competitors to Capfin in unsecured personal lending and inclusive credit.
- Capitec Bank: Large South African retail bank offering personal loans, credit, and transactional banking to mass-market customers, broadly serving the same segment as Capfin at much greater scale.
Emerging players
- Jumo: African fintech lender offering digital credit to consumers and small businesses, comparable to Capfin via digital distribution and emerging-market consumer-credit focus.
- TymeBank: South African digital-first bank that has expanded into personal credit offerings, competing with Capfin for digitally-engaged mass-market consumers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks5 records
Key highlights6 records
Customer concentration
Capfin social profiles
Digital presenceCapfin financial estimates
Financial estimateRevenue estimate
Valuation estimate
Capfin leadership team
Management profileNumber of profiles
Capfin funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Capfin M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Capfin
What does Capfin do?
Capfin provides unsecured short-term personal loans to South African consumers through a people-centric contact centre and online self-service tools. The company operates under ethical, responsible, and compliant credit policies, offering simple, affordable, and accessible loan products to individuals who need quick access to credit without collateral requirements. Capfin operates as a division of Pepkor Trading (Pty) Ltd, benefiting from a shared central support structure under Pepkor Payments and Lending.
Is Capfin a public or private company?
Capfin is a private company. It is classified as corporate owned and is currently operating.
When was Capfin founded?
Capfin was founded in 2010. It employs 501 to 1,000 people.
How does Capfin make money?
One revenue line is on record: credit/Lending Operations.
Who are Capfin's main competitors?
Direct peers on record are Letshego Holdings, Bayport Financial Services, African Bank and DirectAxis (part of Transaction Capital). Broad incumbents are Transaction Capital (Transaction Holdings) and Capitec Bank. Emerging players are Jumo and TymeBank.
Does Capfin have an API?
No public API is recorded for Capfin.
What industry is Capfin in?
Capfin's product category is Consumer Lending. Its primary akta.pro industry code is FSAKAOAA, Subprime Installment Loans (Non-Prime Personal Loans). Its NAICS code is 5222 and its SIC code is 6141.