Competitive returns for investors on RainFin marketplace

Aug 20, 2017 Blog  Attractive returns , Lending Marketplace



Lending on the RainFin Marketplace enables you to earn competitive returns.  Through the platform, private investors like you, now have access to an asset class that – until recently – was only available to large institutional investors.  This means more opportunities to diversify your investment portfolios.

What makes this so attractive?

Whilst the loans on the platform are unsecured and to small and medium businesses, classifying it in the high risk category, RainFin takes great care to categorise the risk to the investor.  Our risk mitigation, in the form of the RainFin credit policy, is a tri-factor solution which considers the credit affordability of a business and its directors and also takes industry nuances into account (more information on RainFin’s risk management protocols is available here). So, for the investor who is prepared to undertake risk, the reward might be very appealing.

Apart from the attractive returns, the marketplace offers low fees and complete visibility and control over your diversified portfolio.   RainFin’s regulatory and security compliance is also benchmarked to worldwide best practices.  RainFin  is an authorised Financial Services Provider (FSP 45756) and registered Credit Provider (NCRCP 5587) and compliant with the requirements of the National Credit Act, FAIS Act, Financial Intelligence Centre Act, Consumer Protection Act and others .

In fact, we believe so strongly in the marketplace concept and risk mitigation that we have recently launched the RainFin SME fund, through which we, as RainFin, are lending alongside our lender community.

What do you have to do to become an investor?

The process is uncomplicated and worth the effort – see below:


Step 1

Click here and complete your personal information in order to create your profile.  You will then be presented with a risk disclaimer and service fee structure, after which you will sign an investor agreement.  Once this is done, you will be asked if you are registered as a NCR Credit Provider.  According to the amendment to the National Credit Act (NCA) that came into effect 1 November 2016, any person or entity wishing to extend credit to an individual, or a business that has an annual turnover of less than R1 million, must be registered as a credit provider before granting credit.  However, the businesses on the RainFin platform all have a turnover of over R1 million, meaning these fall outside of the NCA and you do not need to be registered to fund them.

Step 2

You will now have to upload basic KYC (FICA) documents to authenticate yourself.  The process of uploading all these documents might be considered a bit tedious, but it is no different to what any other financial institution would request from you to verify your identity.  The list of required documents can be found here.

Step 3

You are almost done!  Now you have to transfer funds into your RainFin account.  We know that at this point you are very keen to start investing, but remember that it might take a day or two for your funds to reflect in the account, as it usually does when transfers are made.

Step 4

You are ready to make offers on loans and start earning.  RainFin takes care of monthly collections from borrowers on your behalf.


Also worth mentioning is the ability to sell/trade your loans at any point on our secondary marketplace.  All you need to do is to select the loans you wish to sell/trade, set the asking price and upload.  Potential buyers can the view loans and make an offer to purchase.  For more information about the secondary market, click here.


If you are as serious about money as we are and would like to Redesign Finance and Enable Inclusive Growth,





Information contained herein is for information purposes only and is merely illustrative.  It is not deemed as advice as defined in the Financial Advisory and Intermediary Services Act (FAIS Act). 

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