Services

Hela Pesa Salary Advance

August 17, 2020

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This product seeks to address the emergency financial needs for employees in between the payroll dates.

Employees can access up to 40% of their net salary.
Product is offered on our mobile lending application dubbed “Hela_Pesa”.
Salary advances are available to employees who work for organizations that have signed an MOU for the salary advance check-off system with Hela Captal Limited.

Download HELA PESA APP

Benefits of Hela Pesa Salary Advance.

Access anywhere, anytime
No savings required
No registration fees
Comfortable repayment through check-off
Can pay directly through Hela Pesa App
No risk of loosing your money
Apply for Top-up
No guarantors.
No security
No physical approval required.

Requirements for Hela Salary Advance Application

Be in an employee in a company that has a Salary Advance MOU with Hela Capital Limited.
Download Hela Pesa Mobile APP and apply for your advance.

How to apply

Download the Hela Pesa Mobile App, Register and apply for the loan.

Download HELA PESA APP

How to make payments

OPTION 1: Pay via payroll check off system facilitated by your employer.

OPTION 2: Pay directly to Hela on the App by clicking pay button, Enter Amount and Pin.

PEER TO PEER LENDING

August 17, 2020

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What is ‘Peer-To-Peer Lending (P2P)

Peer-to-peer (P2P) lending is a method of debt financing that enables individuals to borrow and lend money without the use of an official financial institution as an intermediary.
Peer-to-peer lending removes the middleman from the process, but it also involves more time, effort and risk than the general brick-and-mortar lending scenarios.

Borrow Invest

SALARY ADVANCE BENEFITS

August 17, 2020

admin

This product seeks to address the emergency financial needs for employees in between the payroll dates.

Employees can access up to 40% of their net salary.
Product is offered on our mobile lending application dubbed “Hela_Pesa”.
Salary advances are available to employees who work for organizations that have signed an MOU for the salary advance check-off system with Hela Captal Limited.

Download HELA PESA APP

Benefits of Hela Pesa Salary Advance.

Access anywhere, anytime
No savings required
No registration fees
Comfortable repayment through check-off
Can pay directly through Hela Pesa App
No risk of loosing your money
Apply for Top-up
No guarantors.
No security
No physical approval required.

Requirements for Hela Salary Advance Application

Be in an employee in a company that has a Salary Advance MOU with Hela Capital Limited.
Download Hela Pesa Mobile APP and apply for your advance.

How to apply

Download the Hela Pesa Mobile App, Register and apply for the loan.

Download HELA PESA APP

How to make payments

OPTION 1: Pay via payroll check off system facilitated by your employer.

OPTION 2: Pay directly to Hela on the App by clicking pay button, Enter Amount and Pin.

PEER TO PEER INVESTOR

August 17, 2020

admin

Self-Directed Investor

Here, P2P investors/lenders have a direct access to peer-to-peer loans through the HELA online investors Platform.

Through self-directed investing, you, the Investor, can make investment selections according to your own strategy. For example, an investor can choose to only buy loans within a given range. The lender works directly with the Hela online loan applicants.

Managed Accounts

Here, your account is managed by Hela. All aspects of the portfolio including loan selection, execution, idle cash management, and portfolio. Rebalancing is managed by Hela’s expert team

This Managed account allows an investor to invest in peer-to-peer loans through multiple borrowers on a Hela managed account investment platform, through a single dashboard.

What is Hela Capital Peer to Peer Investing (P2P)?

Hela Capital P2P is a virtual financial marketplace where investors connect with borrowers through an online platform making it possible for investors to lend money to borrowers online.

What ways can I invest as a Hela Investor?

What exactly is Hela’s Role on the P2P platform?

Provides a credible and secure match-making P2P platform.
Acts as the intermediary between individual borrowers and investors.
Undertakes due diligence and credit checking of the borrowers before availing them on the platform for investing.
Sets interest rates on the basis of an analysis of the borrower’s credit.
Custody of critical investors and borrowers information.

How Does an investor Benefit from this platform?

Earn alternative income when borrowers repay their loans.
Earn higher returns compared to savings and investment products offered by other financial institutions.
Build own customer portfolio through careful analysis of borrower credit information availed by Hela Capital on the platform.
Mitigate risk of bad debt by choosing which borrowers to invest in, and also by diversifying investments among different borrowers availed on the platform by Hela Capital

What are the procedures that I need to follow to become a Hela Investor?

Complete online registration process on www.helacapitals.com
Hela will vet and activate your account.
Log-in to the P2P investing platform.
Review the available list of borrowers on the platform sent to you by Hela.
If a self-directed investor, review borrowers credit information and make investment decisions. Then they wire the loan money directly to the borrowers’ account
If investment is under Hela managed account, the investor agrees on investing limits and criteria with Hela expert. He then avails cash for investing in Hela. Hela disburses the same to a borrower and then continuously review loan portfolio on the online platform.

How do I, as a Investor, ensure that the Borrower Pays?

Hela is the intermediary that follows up on the Borrowers to ensure that they pay you.
After payment is completed by the Borrower, Hela wires you your principle and the agreed interest.
You are also able to track the loan repayments, Borrowers statements and your statement on our online platform.

INVESTING PROCEDURES

Complete the online registration process on www.helacapitals.com
Log-in to the P2P investing platform
Vetting and account activation will be done by Hela
Review available list of borrowers on the platform
If self-directed investor, review borrowers credit information, make investment decision and then wire loan directly to the borrowers’ account.
If investing under managed account, agree investment limits and criteria with Hela expert, avail cash for investing and then continuously review loan portfolio on the online platform.
Online tracking of loan repayments, statements and online other information will be done by Hela.

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