This is an advertorial and has been paid for by the client. 

In South Africa’s complex financial landscape, access to liquidity at the right time can make or break an opportunity. Whether you are a property seller awaiting transfer proceeds, a Road Accident Fund (RAF) claimant stuck in limbo, or a legal professional managing high volume of third-party claims, Lamna Bridging Finance offers tailored, efficient, and compliant financial solutions designed to keep your cash flow moving and your goals on track.

With a strong reputation built on trust, regulatory integrity, and personalised service, Lamna has become a reliable partner for individuals and professionals navigating transitional financial challenges. This article delves into three core services that are transforming the way South Africans access short-term liquidity: Property Bridging Finance, RAF Advances, and Attorney Working Capital.

Property Bridging Finance: Realise your sale proceeds faster

Selling property is often a slow and bureaucratic process. Even after signing a sales agreement and securing a buyer, delays at the Deeds Office, municipal clearance issues, or slow-moving transfer attorneys can keep funds locked up for months. For many sellers, this wait creates immense financial pressure.

Lamna’s Property Bridging Finance solves this problem by offering fast, hassle-free advances on the proceeds of property sales.

Who can benefit?

• Sellers awaiting the proceeds of a residential or commercial property sale.
• Estate agents or developers who require upfront liquidity.
• Individuals needing funds for relocation, debt consolidation, or investment while their transfer is being finalised.

How it works

Once your sale agreement is signed and all legal documents are in place, Lamna can provide an advance of up to 80% of the net proceeds. This allows you to:

• Pay off debts and avoid interest accumulation.
• Fund a deposit on a new property.
• Settle rates and taxes or levy arrears holding up the transfer process.

Lamna’s process is straightforward and often completed within 24 to 48 hours after submission of all required documents. The bridging advance is repaid once the property transfer is registered and the proceeds are released.

RAF Advances: Relief when you need it most

Being the victim of a road accident is traumatic. Waiting months – or even years – for a payout from the RAF makes recovery even more difficult. Despite a favourable court order or settlement, the disbursement of funds through the RAF can take significant time due to administrative backlogs. That’s where Lamna’s RAF Advance solution comes in.

Why choose Lamna for RAF Advances?

Lamna offers transparent, upfront advances to claimants who have:

• A stamped court order or signed offer of acceptance.
• A registered attorney willing to sign an undertaking.

What sets Lamna apart?

• Regulated and ethical: Lamna operates with full compliance under South African financial legislation and consumer protection laws. We charge a fixed, regulated fee and avoid excessive or hidden costs.
• Zero client exploitation: Lamna prohibits third-party lead providers from charging commission to clients. Our fees are fully disclosed and absorbed by the company – not deducted from the claimant’s advance.
• Attorney cooperation: Lamna works hand-in-hand with claimant attorneys to ensure fast, secure disbursement without compromising the client’s legal process.

A lifeline for claimants

Whether you need funds to cover medical bills, rent, school fees, or day-to-day living expenses, Lamna’s RAF Advance provides a critical safety net. Clients typically receive funds within 48 hours after attorney confirmation, easing the financial burden during a time of vulnerability.

Attorney Working Capital: Powering legal practices through third-party claims

Attorneys who handle RAF, medical negligence, or other third-party claims often face a frustrating reality: Claims can be approved, but funds remain delayed. In the meantime, these firms must continue covering overheads, expert witness costs, and operational expenses.

Lamna offers a game-changing solution in the form of Attorney Working Capital Advances, specifically designed for legal firms with active caseloads.

Who qualifies?

• Legal firms specialising in RAF, medical negligence, or class action claims.
• Firms with signed court orders, capped offers, or settlement agreements.
• Attorneys with a reliable history of claim finalisation.

The Lamna advantage

Unlike traditional bank loans, Lamna’s advances are:

• Non-dilutive: There is no equity or profit share taken from the firm.
• Fast and efficient: Approval and disbursement often occur within days.
• Flexible: Financing is structured around the attorney’s needs, with repayment aligned to expected settlements.

Boosting legal capacity

This service empowers attorneys to:

• Onboard new clients without financial hesitation.
• Hire experts and pay for medical reports or court fees.
• Keep operational cash flow stable – even in long litigation cycles.

Why choose Lamna Bridging Finance?

• Speed and simplicity: Traditional finance can be slow, rigid, and wrapped in red tape. Lamna’s team is trained to evaluate and finalise applications with minimal delay – often within 24 to 48 hours.
• Compliance and transparency: As a registered credit provider (NCRCP7428), Lamna maintains full regulatory compliance. Our processes are transparent, our agreements are legally vetted, and our rates are straightforward.
• National footprint, personalised service: Lamna has offices in key urban hubs such as Cape Town, Johannesburg, and Durban. More importantly, our business development executives regularly liaise with attorneys, sellers, and clients across the country – ensuring a face-to-face service in a digital world.
• Ethical conduct: Lamna prides itself on avoiding the pitfalls common in short-term finance. We do not charge application or handling fees, nor do we work with lead providers who extract additional commissions from vulnerable claimants.

Final thoughts: Bridging the gap with confidence

Whether you are unlocking property funds, accessing life-saving RAF money, or financing your legal firm’s growth, Lamna Bridging Finance is a dependable partner. Our tailored solutions are not just about cash – they are about giving South Africans freedom, dignity, and opportunity when they need it most.

If you are stuck in financial limbo, do not wait. Contact Lamna today to unlock your liquidity and move forward with confidence.

📞 086 111 2866

📧 info@lamna.co.za

🌐 www.lamna.co.za

This advertorial was first published in De Rebus in 2025 (May) DR 10.

This is an advertorial and has been paid for by the client.