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ZDFin, with a wealth of practical experience in property and property financial management, understands these challenges; our financial product range has been formulated, is and remains tried and tested, to address a range of financial challenges all tailor-made for your scheme.

ZDFin has a wealth of practical experience in property and financial management. Our financial products address a range of challenges and can be tailor-made to suit your scheme.

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    Please note, we do not offer personal loans or finance.

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    Find us:
    First Floor,
    Building 5 (Glenflager), Kildrummy Office Park,
    Corner Witkoppen & Umhlanga Avenue,
    Paulshof,
    Gauteng

    Open weekdays (08h00 – 16h00)

    Who we are?
    How we can help you?

    ZDFin is a specialist finance company providing smart solutions for residential juristic entities, these commonly referred to as ‘Complexes’ but legally being ‘Schemes’, as defined.

    The legal definition of Schemes incorporates Sectional Title Bodies Corporate, Home Owners’ Associations and Share Block companies.

    The now ‘not-so-new’ legislation that came into effect in October 2016, has finally given some financial direction to schemes (previously left largely to the discretion of trustees and directors), especially insofar as budgeting is concerned.

    The practical reality remains that schemes typically under-budget and seldom do cash flow budgets, taking arrears and debtor balances into account, not to mention the legal costs necessary to pursue. As such, schemes are still challenged in raising adequate reserves to fund large maintenance and capital projects, which may or may not form part of their now legally required 10-year Maintenance Repair and Replacement Plans which give direction to the reserve levy and associated surpluses.

    Rising levels of indebtedness, exacerbated by a weak economy, are also compromising the ability of schemes. Their financial wellbeing is under threat and often funds ring-fenced as reserves – as per legislative directive – are utilized out of necessity to fund administrative shortfalls.

    Ultimately, maintenance cannot be ignored and is ultimately the fiduciary duty of trustees to see to. Indeed, the Maintenance Repair and Replacement Plan approved at a General Meeting (most often the AGM) directs planned maintenance and associated works while also being a driver of financial planning and management via the scheme’s reserve fund and levy. Schemes and trustees who ignore or delay required maintenance work, are not only in breach of their fiduciary duties, but also expose themselves to the resulting erosion of value and often exponentially increased costs at a future date.

    ZDFin has a wealth of practical experience in property and financial management. We understand these challenges. Our financial products address a range of challenges and can be tailor-made for your scheme.

    What People Say About Us

    Piet Sanvenero
    Piet Sanvenero
    2023-11-12
    Nice and clear place to do shopping
    Gwen Bauer
    Gwen Bauer
    2023-10-18
    Just got them into our complex and having been a trustee for 7 years am super excited to have them come in board as our EMA and take away this responsible time consuming job. Super efficient, absolute professionals and so relieved we our complex is in expert hands.
    Charles Boles
    Charles Boles
    2022-07-29
    As Trustees of a sectional title complex we had an urgent need to undertake a remedial project to repair the building. The project and financing thereof were complex. The ZD Fin Team have really been superb. Their financing solution was flexible to accommodate the need of the repair project. They are well versed in the legal requirements and could assist the Trustees in getting these addressed correctly. Their speed of response was also very useful. If you have a financing need for a sectional title scheme you should strongly consider talking to ZD Fin
    Joubert Van Wyk
    Joubert Van Wyk
    2022-07-27
    Excellent service. The team are able to get complexes back on their feet again to start building towards the long term financial viability and sustainability. Their integrity and commitment to find solutions are remarkable.
    Timothy Griesel
    Timothy Griesel
    2022-07-27
    Great company and great people.
    Riaan Cillie
    Riaan Cillie
    2021-11-26
    During the soliciting of project funding proposals for our HOA from various companies, ZDFin stood out for it's prompt and friendly responses, ease in working with and impeccable lending offer.
    Lumineer Property Management
    Lumineer Property Management
    2021-11-26
    As an owner of a property management company, it is vital for me to guide and assist my clients as efficiently and effectively as possible, which includes the integral and required task of ensuring that they are able to exercise maintenance as per their 10 year maintenance plan. Many of my buildings needed bridging finance to fulfill this important task. I could always count on ZDFin to provide the best possible options for bridging finance to my clients. Their service is outstanding and their contracts are easy to understand. The terms of their financing are reasonable and adjustable to the client’s need. Definitely a brilliant option for any Community Scheme in need of finance.
    Paul Martin
    Paul Martin
    2021-11-25
    Very professional and knowledgeable.