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South Africa is seeing a surge in available credit — even though economic growth remains weak. Major banks are reporting strong earnings growth, while private credit funds, fintech lenders and other players are aggressively expanding their lending.

Much of this capital is flowing into SMEs that need quick, flexible funding. But as the market becomes more competitive, loan terms are becoming more complex and repayment structures less transparent, increasing the risk of over-indebtedness.

In this episode of The Unusual Finance Chat, Gary Palmer, CEO of Paragon Finance, explains:

• Why there is an oversupply of capital in the market
• How increased lender competition is changing loan structures
• Why transparency in lending terms is becoming a major issue
• The growing responsibility on borrowers to do proper due diligence
• Why expert financial advice is becoming essential
• And why crypto is still not a meaningful funding source for most SMEs

If you run a business, advise one, or are watching South Africa’s credit markets, this conversation is essential listening.

Find us on your favourite podcast player. The Unusual Finance Chat.

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Welcome to The Unusual Finance Chat with me, Tinus de Jager. In today’s episode we look at two themes shaping South Africa’s financial system: the rising pressure on banks and insurers to disclose climate risks, and the growing role of technology in FICA compliance and greylisting reforms. I speak to Kent Davis of Webber Wentzel and Andrew MacPherson of Paragon to unpack what these shifts mean for the sector and the wider economy.

Find us on your favourite podcast player. The Unusual Finance Chat.