We are a purpose-driven, goal-directed team, with one focus:

Enabling Capfin and Tenacity to empower their customers, while creating value for our retail partners and shareholders.

We are relentless in our pursuit to create effortless payment and lending solutions, and we believe we have the best people on board to help us do so.

Unified by purpose and strategy, we respect, trust and build upon each other’s talents and specialised skills.

We empower each other, we thrive when challenged, and we are our company and each other’s strongest advocates.

Our Story

For over two years, Capfin and Tenacity shared a diverse executive team that was responsible for shaping the strategic direction of these two organisations, which have grown into successful businesses over the past 17 years. They soon realised that both businesses have specialised talent and saw an opportunity to create further value in combining their skills and unlocking synergies to exponentially grow the two organisations.

Pepkor Payments and Lending was created as a first step in realising our vision to be Pepkor’s customers’ first choice in payment and lending solutions.

This new division was launched on 1 November 2022 as a shared central support structure that delivers specialised and innovative payments and lending solutions to boost the business’s operational efficiencies, productivity, and output.

What Keeps Us Real

Our ONE TEAM approach means we collaborate and support each other at every opportunity. We don’t shy away from challenges, and we collectively own our shared successes.

We have a deep respect for our internal and external customers. This drives our CUSTOMER CENTRIC innovations and purpose, making sure what we do, and how we do it, makes an impact where it really matters.

Inspired by our people, we look for every opportunity to DEVELOP AND GROW our employees throughout their careers. This investment is instrumental to our success.

Taking PRIDE and recognising EXCELLENCE is part of our fabric and holding each other accountable is how we keep our standards high and thrive amongst our competitors.