Local, prime-linked lending
Rand-based arrangements that move with South Africa's prime rate. We model an indicative range and talk through how income tracks as prime shifts.
Verified consultant
ProLend private-lending consultant
Daniel Hartman
Wealth & property finance · 20 years
Cape Town, South Africa
Local & offshore
Consultant since 2019
I help people with capital understand private lending properly — model the numbers with a world-class calculator, then walk through the structure in a real conversation. No pressure, no jargon, just a clear picture before you decide anything.
6 yrs
Advising on private lending
R180m+
Client capital modelled
Local + Offshore
Both ProLend pathways
< 24h
Typical response time
Background & experience
Twenty years around capital, spent making complicated things simple.
Before ProLend, Daniel spent the better part of two decades in wealth and property finance in the Western Cape, sitting across the table from business owners, retirees and families who had built up capital and wanted it to work harder — without gambling it.
He joined ProLend because private lending is one of the few areas where a well-structured arrangement can be explained honestly, modelled transparently, and matched to what a person actually needs. His job is not to sell you a number. It is to make sure you understand the structure, the term and the trade-offs before anything happens.
Every client Daniel works with is introduced to ProLend's calculator first, so the conversation starts from real figures — not a pitch.
Areas of expertise
Where clients rely on me most.
Two decades in wealth and property finance means I'm comfortable across the full range — from a first-time lender's opening questions to structuring a larger, more complex deployment.
Offshore fixed-return notes
Hard-currency structures over a fixed term, deployed in Rands at the live rate. Useful when a client wants currency diversification and a defined horizon.
First-time private lenders
If you've never lent privately before, this is where I spend the most time — the structure, the protections, the questions to ask, and what "indicative" honestly means.
Larger capital deployments
For sizeable amounts, I coordinate directly with the product team so the structure, terms and administration are handled properly end to end.
Credentials & training
Two decades, formally grounded.
ProLend Consultant CertificationCompleted the full training programme and knowledge checks, 2019.
20 years in wealth & property financeTwo decades advising business owners, retirees and families across the Western Cape (2004–2024).
Post-graduate diploma in Financial PlanningFormal grounding in structuring, risk and long-horizon planning.
LanguagesAdvises in English and Afrikaans.
How I work with you
Evidence first, decisions second.
01
Start from your numbers
We model your actual figures on the calculator before we talk, so every conversation is grounded in your situation — not a general illustration.
02
Walk the structure in full
I take you through the term, the mechanics and the trade-offs properly — including the less flattering parts — so you can weigh it with your eyes open.
03
No pressure to proceed
After twenty years in this field, I'd rather you decline with clarity than proceed with doubt. If it isn't right for you, I'll say so.
Ready when you are
Model your deployment with Daniel.
Start with an indicative figure on the calculator, then request a conversation. There's no obligation, and nothing happens until you're ready.
Daniel Hartman is an independent ProLend consultant. Figures modelled on ProLend are indicative and do not constitute financial advice or a guarantee of any return. Product terms and administration are the responsibility of the registered product provider.