Please review our terms and conditions before proceeding with your funding application.

Declarations

By completing and submitting this application, you confirm and agree that:

You understand the nature of the financial product applied for, including all associated risks, costs, obligations, and legal implications.

You acknowledge that Synrg Finance may, at its discretion, cede, assign, transfer, or otherwise dispose of any of its rights and obligations under this application, the applicable terms and conditions, and any related documentation to a third party. You hereby provide your ongoing and general consent to such actions.

You consent to Synrg Finance disclosing information relating to you, your application, and your conduct under any agreement (as permitted by law) to any party to whom rights are transferred, provided that such party is bound by confidentiality and applicable data protection laws.

You confirm that all information provided is true, complete, and accurate. You acknowledge that any party relying on this information, now or in the future, is entitled to do so on the basis that it is correct.

You agree to disclose any additional information that may reasonably affect the assessment of your application.

You understand that certain information and documentation must be obtained in accordance with the Financial Intelligence Centre Act. Failure to provide such information may result in your application being declined, and Synrg Finance shall not be liable for any resulting loss.

You further acknowledge and agree that:

Synrg Finance will charge a success fee of 5% (plus VAT) of the approved loan amount upon successful approval and payout of funding.
This fee will not be payable upfront, but will instead be capitalised into the total approved loan amount by the funder.
The funder will pay this fee directly to Synrg Finance upon successful disbursement of the loan.
By submitting this application, you expressly consent to this fee structure.

Privacy and POPIA Compliance

In accordance with the Protection of Personal Information Act, you acknowledge and agree that:

Synrg Finance collects and processes your personal information in a lawful, reasonable, and transparent manner.

Your personal information will only be processed for specific, explicitly defined, and legitimate purposes related to your application and the provision of financial services.

We may collect, store, process, and share your personal and business information, including special personal information where applicable, for purposes including but not limited to credit assessments, risk analysis, and service delivery.

You consent to the processing of your personal information by Synrg Finance, its affiliates, partners, and third-party service providers where necessary to fulfil the purposes outlined in these terms.

You have the right to:

Request access to your personal information
Request correction or deletion of your information where legally permissible
Object to the processing of your information in certain circumstances
Withdraw consent, subject to legal and contractual limitations

You understand that withdrawal of consent may impact our ability to provide services.

Synrg Finance will take appropriate, reasonable technical and organisational measures to safeguard your personal information against loss, misuse, unauthorised access, or disclosure.

Purpose, Use and Storage of Information

Your personal information will be processed for the purpose of determining your eligibility for our services and facilitating your application for finance.

We will retain and use your information only as necessary to provide our services, comply with legal obligations, and support our operational requirements.

Information Sharing

By submitting this application, you acknowledge, authorise, and consent to your information being used and shared for purposes directly related to your application, including but not limited to:

Financial institutions, lenders, and traders who may provide or facilitate the financial product, and who may conduct their own verification processes
Third-party service providers who assist in facilitating financial products, even if they are not directly affiliated with us
Insurers and reinsurers associated with the financial product
Any party with whom we intend to enter into agreements for the purpose of providing the financial product, including parties involved in securitisation structures
Any party to whom we may transfer or assign our rights under this application and related agreements
Credit bureaus, for the purpose of verifying your credit profile and assessing your creditworthiness
Credit bureaus, for the purpose of assessing the creditworthiness of your directors, members, or authorised representatives
Any person or entity legally entitled to access such information
Third parties offering related products or services that may be of interest to you

Your information may also be used for the following purposes:

Processing and evaluating your finance application, including conducting criminal, credit, commercial, and background checks
Providing approved funding and related support services
Monitoring business performance, including credit card sales where applicable
Delivering administrative and customer support services
Sending marketing communications (directly or via partners)
Improving, personalising, and optimising our services
Conducting internal research, analytics, and statistical analysis
Administering loyalty or reward programmes
Enhancing our understanding of market behaviour and service usage

Your information will be retained for a minimum period of five (5) years, or longer where required by law.

If your application is unsuccessful, or if you default on any repayment obligations, you consent to us retaining your information for a longer period, as reasonably required, and to using such information when assessing any future applications you may submit.

Indemnity

You agree to indemnify and hold harmless Synrg Finance, its directors, employees, agents, and affiliates against any and all claims, losses, damages, liabilities, costs, or expenses (including legal costs on an attorney-and-client scale) arising from:

Any inaccurate, incomplete, or misleading information provided by you
Your breach of these terms and conditions
Any unlawful or negligent act or omission on your part
Any dispute between you and a third-party funder or service provider

Limitation of Liability

To the fullest extent permitted by law:

Synrg Finance shall not be liable for any direct, indirect, incidental, consequential, or special damages, including but not limited to loss of profit, business interruption, or loss of data, arising from:

The outcome of your application
Any decision made by a funder
Delays in processing or communication
Any agreement entered into between you and a third-party funder

All services are provided on an “as is” and “as available” basis, without any warranties, whether express or implied.

General

These terms are governed by the laws of the Republic of South Africa.

By proceeding with your application, you confirm that you have read, understood, and agreed to these terms and conditions in full.

Apply For Funding