ElyForma

Financial Guides

Practical financial guides for South Africans covering loan agreements, repayment schedules, SME funding, government grants, non-compete clauses, and financial document preparation.

Financial Information Disclaimer: These guides provide general information about South African financial matters. They are not financial advice. For personalised financial planning, consult a registered financial advisor (FSP).
Financial

Loan Repayment Schedule South Africa: NCA, Interest Rates, and Amortisation

How to create and use a loan repayment schedule in South Africa. Covers NCA prescribed maximum interest rates, amortisation, balloon payments, early settlement, and how to dispute incorrect loan statements.

Read more →
Financial

Promissory Note Template: How to Document a Personal Loan

Learn how to create a legally binding promissory note. Protect yourself when lending or borrowing money with proper documentation and clear terms.

Read more →
Financial

Loan Agreement Template: How to Lend Money Legally and Safely

Learn how to create a legally binding loan agreement. Protect yourself when lending money to friends, family, or businesses with our comprehensive guide.

Read more →