ZDFin

𝗖𝗼𝗺𝗲 𝘃𝗶𝘀𝗶𝘁 𝘂𝘀 𝗮𝘁 𝘁𝗵𝗲 𝗡𝗔𝗠𝗔 𝗡𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗖𝗼𝗻𝗳𝗲𝗿𝗲𝗻𝗰𝗲 (𝟭𝟳𝘁𝗵 𝘁𝗼 𝟭𝟴𝘁𝗵 𝗢𝗰𝘁𝗼𝗯𝗲𝗿 𝟮𝟬𝟮𝟰) Our ZDFin team is waiting for you to visit our stand. We have donuts and prizes to give away. It is our mission at ZDFin to help build stronger and sustainable Community Schemes. 𝗣𝗹𝗲𝗮𝘀𝗲 𝗰𝗼𝗺𝗲 𝗮𝗻𝗱 𝘁𝗮𝗹𝗸 𝘁𝗼 𝘂𝘀: ☎ +27 (0) 10 020-3228 📧 [email protected] 🌐 https://zdfin.co.za Facebook: @zdfin LinkedIn: ZDFin #ZDFin #EMA #CommunitySchemes

𝗛𝗔𝗣𝗣𝗬 𝗕𝗜𝗥𝗧𝗛𝗗𝗔𝗬: 𝗧𝗮𝘆𝗹𝗼𝗿 𝗗𝗮𝗻𝗶𝗲𝗹𝘀! Our 𝗭𝗗𝗙𝗶𝗻 team is always looking for reasons to celebrate and today we celebrate 𝗧𝗮𝘆𝗹𝗼𝗿 𝗗𝗮𝗻𝗶𝗲𝗹𝘀 𝗯𝗶𝗿𝘁𝗵𝗱𝗮𝘆. 𝗧𝗮𝘆𝗹𝗼𝗿 𝗗𝗮𝗻𝗶𝗲𝗹𝘀, on behalf of the 𝗭𝗗𝗙𝗶𝗻 team, we wish you a very 𝗛𝗮𝗽𝗽𝘆 𝗕𝗶𝗿𝘁𝗵𝗱𝗮𝘆 today and may you have many more with us. #ZDFin #Birthday #Celebration

𝗧𝗮𝗹𝗸 𝘁𝗼 𝗭𝗗𝗙𝗶𝗻 𝗮𝗯𝗼𝘂𝘁 𝗼𝘂𝗿 𝗹𝗲𝘃𝘆 𝗳𝗶𝗻𝗮𝗻𝗰𝗲 𝘀𝗲𝗿𝘃𝗶𝗰𝗲𝘀. Community Schemes rely on timely levy payments from owners to cover essential monthly expenses, such as water, electricity, and security. When these payments are delayed, it can lead to service disconnections. 𝗭𝗗𝗙𝗶𝗻'𝘀 Levy Finance services provide crucial support to Community Schemes. Our offerings include: - A one-time advance on overdue levies to give the scheme a vital cash boost. - Monthly advances on levies raised. - Coverage for legal fees incurred by the Scheme when working with external attorneys. - Regular reports for Trustees and the Managing Agent. - Access to our specialised expertise in levy collection. - Assistance with levy recovery to help rehabilitate the scheme. - Oversight of levy collection files and associated costs. - Guidance from our in-house legal team on all cases handled by external legal specialists. 𝗭𝗗𝗙𝗶𝗻 is ready to discuss how our Levy Finance services can benefit your Community Scheme. ☎ +27 (0) 10 020-3228 📧 [email protected] 🌐 https://zdfin.co.za Facebook: @zdfin LinkedIn: ZDFin #ZDFin #Insurance #CommunityScheme

𝗪𝗶𝗹𝗹 𝘆𝗼𝘂 𝗮𝗹𝗹𝗼𝘄 𝗭𝗗𝗙𝗶𝗻 𝘁𝗼 𝘄𝗼𝗿𝗸, 𝘄𝗶𝘁𝗵 𝘆𝗼𝘂, 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗖𝗼𝗺𝗺𝘂𝗻𝗶𝘁𝘆 𝗦𝗰𝗵𝗲𝗺𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲? 𝗭𝗗𝗙𝗶𝗻 is here to assist with your Community Scheme insurance by offering a wide range of benefits, such as expert guidance, tailored insurance solutions, potential cost savings, and peace of mind. We believe in fostering long-term relationships with our clients, allowing us to work closely with you to continually assess and adapt your insurance coverage as your Community Scheme evolves. Why not partner with 𝗭𝗗𝗙𝗶𝗻 for your insurance requirements? ☎ +27 (0) 10 020-3228 📧 [email protected] 🌐 https://zdfin.co.za Facebook: @zdfin LinkedIn: ZDFin #CommunityScheme #SectionalTitleSchemes #Insurance

𝗟𝗲𝗮𝗿𝗻 𝗔𝗯𝗼𝘂𝘁 𝗢𝘂𝗿 𝗭𝗗𝗙𝗶𝗻 𝗦𝗲𝗿𝘃𝗶𝗰𝗲𝘀. Are you aware that 𝗭𝗗𝗙𝗶𝗻 offers the following services: - EMA (Executive Managing Agent) - Equipment Rentals - Insurance - Levy Finance and Specialist Collections - Loans - Project Finance - Unfinanced Levy Collection At 𝗭𝗗𝗙𝗶𝗻, we believe in building stronger and sustainable Community Schemes. 𝗧𝗮𝗹𝗸 𝘁𝗼 𝘂𝘀: ☎ +27 (0) 10 020-3228 📧 [email protected] 🌐 https://zdfin.co.za Facebook: @zdfin LinkedIn: ZDFin #ZDFin #EMA #CommunitySchemes

𝗧𝗮𝗹𝗸 𝘁𝗼 𝘂𝘀 𝗮𝗯𝗼𝘂𝘁 𝗽𝗿𝗼𝗷𝗲𝗰𝘁 𝗳𝗶𝗻𝗮𝗻𝗰𝗲 𝗳𝗼𝗿 𝘆𝗼𝘂𝗿 𝗖𝗼𝗺𝗺𝘂𝗻𝗶𝘁𝘆 𝗦𝗰𝗵𝗲𝗺𝗲. Maintenance, compliance, installation, repair and security projects can place a strain on a Community Scheme’s financials or delay much needed projects. Why not engage with 𝗭𝗗𝗙𝗶𝗻 about financing your next project to avoid delaying a project which is required to protect your members? 𝗣𝗿𝗼𝗷𝗲𝗰𝘁 𝗳𝗶𝗻𝗮𝗻𝗰𝗲 has the ability to 𝘀𝗼𝗹𝘃𝗲 𝘀𝗵𝗼𝗿𝘁 𝘁𝗲𝗿𝗺 𝗶𝘀𝘀𝘂𝗲𝘀 which is why the benefits and dis-advantages of 𝗽𝗿𝗼𝗷𝗲𝗰𝘁 𝗳𝗶𝗻𝗮𝗻𝗰𝗲 should be talked through. Why not talk to 𝗭𝗗𝗙𝗶𝗻 about your 𝗽𝗿𝗼𝗷𝗲𝗰𝘁 𝗳𝗶𝗻𝗮𝗻𝗰𝗲 requirements? ☎ +27 (0) 10 020-3228 📧 [email protected] 🌐 https://zdfin.co.za Facebook: @zdfin LinkedIn: ZDFin #SectionalTitleSchemes #BodyCorporateFinance #ProjectFinance

𝗧𝗮𝗶𝗹𝗼𝗿𝗲𝗱 𝗹𝗼𝗮𝗻 𝘀𝗼𝗹𝘂𝘁𝗶𝗼𝗻𝘀 𝗳𝗼𝗿 𝗖𝗼𝗺𝗺𝘂𝗻𝗶𝘁𝘆 𝗦𝗰𝗵𝗲𝗺𝗲𝘀 𝗮𝘁 𝗭𝗗𝗙𝗶𝗻. Loans can arise unexpectedly but are sometimes essential for growth and stability. At 𝗭𝗗𝗙𝗶𝗻, we understand that Community Schemes have diverse needs. It is for this reason that we offer flexible loan options to support these requirements. 𝗭𝗗𝗙𝗶𝗻 offers Community Schemes the following types of loans: - 𝗦𝗰𝗵𝗲𝗺𝗲 𝗟𝗼𝗮𝗻: A competitively structured loan specifically for the Community Scheme, with a fixed repayment plan designed to fit the Schemes budget. - 𝗣𝗿𝗼𝗷𝗲𝗰𝘁 𝗙𝗶𝗻𝗮𝗻𝗰𝗲 𝗟𝗼𝗮𝗻: A fixed-term loan aimed at funding major maintenance or capital projects, either in full or in part. We work with you to create a customized solution that accommodates your cash flow. Is your Community Scheme considering a loan? Reach out to us to discuss how we can help. ☎ +27 (0) 10 020-3228 📧 [email protected] 🌐 https://zdfin.co.za Facebook: @zdfin LinkedIn: ZDFin #ZDFin #EMA #CommunityScheme

𝗗𝗼𝗲𝘀 𝘆𝗼𝘂𝗿 𝗖𝗼𝗺𝗺𝘂𝗻𝗶𝘁𝘆 𝗦𝗰𝗵𝗲𝗺𝗲 𝗵𝗮𝘃𝗲 𝘀𝘂𝗳𝗳𝗶𝗰𝗶𝗲𝗻𝘁 𝘀𝘂𝗿𝗽𝗹𝘂𝘀 𝗳𝘂𝗻𝗱𝘀 𝗳𝗼𝗿 𝗿𝗲𝗾𝘂𝗶𝗿𝗲𝗱 𝗽𝗿𝗼𝗷𝗲𝗰𝘁𝘀? 𝗟𝗼𝗮𝗻𝘀 can be 𝗯𝗲𝗻𝗲𝗳𝗶𝗰𝗶𝗮𝗹 to a Community Scheme, when proper a governance process is followed. Before any loan is taken, due dillegence should be completed on the benefits of the loan and the necessity for the loan. The following examples highlight scenarios where taking a loan can potentially be beneficial to a Community Scheme: - 𝗔𝗰𝗰𝗲𝘀𝘀𝗶𝗯𝗶𝗹𝗶𝘁𝘆 𝗠𝗼𝗱𝗶𝗳𝗶𝗰𝗮𝘁𝗶𝗼𝗻𝘀 𝗟𝗼𝗮𝗻𝘀: Utilised to make the community more accessible for individuals with disabilities, by installing ramps, elevators, or other accessibility features. - 𝗜𝗻𝘀𝘁𝗮𝗹𝗹𝗮𝘁𝗶𝗼𝗻 𝗟𝗼𝗮𝗻𝘀: Utilised to implement prepaid electricity and water meters. - 𝗠𝗮𝗷𝗼𝗿 𝗥𝗲𝗽𝗮𝗶𝗿𝘀: When common property requires extensive repairs, such as roof replacement or structural renovations, a loan can provide the necessary funds to carry out the work. Why not talk to ZDFin about the loan you are contemplating? - ☎ +27 (0) 10 020-3228 - 📧 [email protected] - 🌐 https://zdfin.co.za - Facebook: @zdfin - LinkedIn: ZDFin #SectionalTitleScheme #BodyCorporateFinance #Maintenance

𝗢𝘂𝗿 𝗘𝗠𝗔 𝗢𝗣𝗦 𝗺𝗲𝗲𝘁𝗶𝗻𝗴 𝗲𝗻𝗰𝗼𝗺𝗽𝗮𝘀𝘀𝗲𝘀 𝗮 𝘄𝗶𝗱𝗲 𝗿𝗮𝗻𝗴𝗲 𝗼𝗳 𝗲𝘅𝗽𝗲𝗿𝘁𝗶𝘀𝗲 𝗮𝗻𝗱 𝘀𝗸𝗶𝗹𝗹𝘀. Included in the 𝗘𝗠𝗔 𝗢𝗣𝗦 𝗺𝗲𝗲𝘁𝗶𝗻𝗴𝘀, are the following: - Maintenance spend prioritization where the team give guidance on what is urgent or anything which needs to be raised. - Reviewing and approving maintenance projects. - Reviewing AGM / SGM items. - Providing feedback on meetings with owners. - Reviewing budgets. - Reviewing monthly financials. - Checking water and electricity consumptions, looking for unexplained variances which can lead to under recovery as a result of breached or faulty meters. - Appointing of engineers to complete a full assessment and ensure that there are no structural / insurance risks. - Reviewing tax issues such as PAYE and UIF. This includes checking that staff are on 𝗠𝗮𝗻𝗮𝗴𝗶𝗻𝗴 𝗔𝗴𝗲𝗻𝘁 payrolls and that payrolls correctly reflect leave. - Reviewing insurance to ensure it is up to date and that there are no risks to insurance. They use this opportunity to define action plans to rectify any endorsement items noted on policies and obtain quotes for reduced premiums. We can provide many reasons for you to be talking to 𝗭𝗗𝗙𝗶𝗻: ☎ +27 (0) 10 020-3228 📧 [email protected] 🌐 https://zdfin.co.za Facebook: @zdfin LinkedIn: ZDFin #ZDFin #EMA #CommunityScheme

𝗙𝗿𝗶𝗲𝗻𝗱𝘀𝗵𝗶𝗽𝘀 𝗮𝗺𝗼𝗻𝗴 𝗧𝗿𝘂𝘀𝘁𝗲𝗲𝘀 𝗮𝗻𝗱 𝗺𝗲𝗺𝗯𝗲𝗿𝘀 𝗰𝗮𝗻 𝗼𝗳𝘁𝗲𝗻 𝗯𝗹𝘂𝗿 𝘁𝗵𝗲 𝗹𝗶𝗻𝗲𝘀 𝗯𝗲𝘁𝘄𝗲𝗲𝗻 𝗮𝗰𝗰𝗼𝘂𝗻𝘁𝗮𝗯𝗶𝗹𝗶𝘁𝘆, 𝗿𝗲𝘀𝗽𝗼𝗻𝘀𝗶𝗯𝗶𝗹𝗶𝘁𝘆, 𝗮𝗻𝗱 𝗰𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲. By appointing 𝗭𝗗𝗙𝗶𝗻 as your 𝗘𝘅𝗲𝗰𝘂𝘁𝗶𝘃𝗲 𝗠𝗮𝗻𝗮𝗴𝗶𝗻𝗴 𝗔𝗴𝗲𝗻𝘁, you will: - Gain an objective perspective on critical decision-making. - Provide a straightforward solution for members to navigate challenging situations involving fellow members, such as legal issues, renovation requests, or rule violations. - Ensure dedicated attention from qualified and experienced professionals instead of relying on a part-time volunteer team. - Eliminate any indemnification for the Executive Managing Agent under the STSMA. - Have an EMA who is fully committed to your needs. Make the choice for clarity and professionalism with 𝗭𝗗𝗙𝗶𝗻. ☎ +27 (0) 10 020-3228 📧 [email protected] 🌐 https://zdfin.co.za Facebook: @zdfin LinkedIn: ZDFin #ZDFin #ExecutiveManagingAgent #Liability #CommunityScheme