First-time private lenders
If you have 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.
Verified consultant
ProLend private-lending consultant
Noel FisherPrivate-Lending Consultant in Sandton
Alternative Asset Investments
Sandton, Gauteng
Local & offshore
In person & online
I offer attractive solutions to people seeking capital growth and/or a stable and predictable monthly income and/or a disciplined monthly saving plan. Also "Off-shore" fixed term and fixed rate investments over three, four and five year periods.
Local + Offshore
Both ProLend pathways
Sandton
Gauteng, South Africa
In person & online
How Noel meets clients
Background & experience
Alternative Asset Investments
I offer attractive solutions to people seeking capital growth and/or a stable and predictable monthly income and/or a disciplined monthly saving plan. Also "Off-shore" fixed term and fixed rate investments over three, four and five year periods.
I hold a BSc(Pharm) degree from Rhodes University and Industrial Engineering Diploma from Witwatersrand Technical College. Also registered with the SA Pharmacy Council and a member of the Pharmaceutical Society of SA. I have both manufacturing and marketing experience in the pharmaceutical, Cosmetic and FMCG space. Held top management positions with several International Corporations before launching my own business, Qestmed Ltd before selling my interest/shareholding in 2005. After a brief period of semi-retirement, have devoted the last 10 years to pursuing my interest in creating wealth with a focus on "Non-Traditional" investments.
Areas of expertise
Where clients rely on me most.
People who might be risk averse and seek comfort from a low risk environment, solid asset security, legal and contractual protection and with minimal cost to client. Protection.
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.
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.
Credentials & training
What backs me.
ProLend Consultant CertificationCompleted the full training programme and knowledge checks, 2026.
BSc (Pharm) degree Rhodes UniversityFormal qualification.
Technical College Diploma in Industrial Engineering (Witwatersrand Technical College)Formal qualification.
LanguagesWorks with clients in English and Afrikaans.
Where Noel works
Based in Sandton, working across Gauteng and online.
Noel works with clients in Sandton, Johannesburg, Pretoria, Centurion and Centurion, as well as online with clients anywhere in South Africa. First conversations happen in person or over a video call — whichever suits you.
Common questions
About working with Noel.
Who is Noel Fisher?
I offer attractive solutions to people seeking capital growth and/or a stable and predictable monthly income and/or a disciplined monthly saving plan. Also "Off-shore" fixed term and fixed rate investments over three, four and five year periods. People who might be risk averse and seek comfort from a low risk environment, solid asset security, legal and contractual protection and with minimal cost to client. Protection.
Where is Noel based?
Noel is based in Sandton, Gauteng, and works with clients in Sandton, Johannesburg, Pretoria, Centurion and Centurion — as well as online with clients anywhere in South Africa.
Who does Noel work best with?
People who might be risk averse and seek comfort from a low risk environment, solid asset security, legal and contractual protection and with minimal cost to client. Protection.
What does Noel help clients understand?
How private lending works in South Africa — the local prime-linked pathway and the offshore hard-currency pathway — including the structure, the term, the security features and the risks, so you can weigh it up yourself.
Does Noel provide financial advice?
No. Noel is an independent ProLend consultant and does not provide financial, investment or tax advice — only information, and a walk through the pathways. Product terms and administration are the responsibility of the registered provider.
Can I model local and offshore scenarios with Noel?
Yes. You can model an indicative local prime-linked or offshore hard-currency scenario for your own amount using the calculator on Noel's link, then discuss what it shows together.
Is there any obligation after enquiring?
No. Modelling a scenario and enquiring are free and carry no obligation. Nothing proceeds until you are comfortable, and final terms, availability and acceptance still apply.
Important boundaries
What this is — and what it isn't.
- Noel is an independent ProLend consultant, not an employee of ProLend.
- Noel does not provide financial, investment or tax advice.
- Figures modelled on ProLend are indicative, not quotes or offers.
- Returns are not guaranteed, and depend on the arrangement, prevailing rates and the term.
- Capital carries risk, including the risk of loss.
- Product terms and administration are handled by the registered credit provider under the National Credit Act.
Ready when you are
Model your scenario with Noel.
Start with an indicative figure on the calculator, then request a conversation. There's no obligation, and nothing happens until you're ready.
Noel Fisher 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.