Welcome To
iMoola Transaction Services

Why iMoola? Tell Me More!

About Us

iMoola has 16 years of experience in the SMME markets with specific skills in :


  • Vetting of SMMEs and suppliers.
  • Contractual and project analysis including costing, viability and projections.
  • Credit modelling including design and implementation of credit structures to suit SMME market and its demands.
  • Collection and distribution of funds.

  • iMoola is a registered financial services provider (FSP licence number: 45755).
  • iMoola holds two banking agency agreements with two South African banks.
  • iMoola has developed its own unique Intellectual Property and systems to service the market and its clients – such as the Guarantee Card ©.

iMoola takes pride in the results of 2015 whereby the company enabled and empowered a number of SMMEs which resulted in 13 individual SMMEs becoming millionaires. This emulated in various rewards and prizes iMoola won — in appreciation of the iMOOLA service delivered.


It is our mission and vison for 2016 to enable, empower and grow.


Our Vision is to see at least 45 SMMEs become millionaires by December 2016.


iMoola has launched project VULA in 2016 and is currently creating job ans business opportunities for 278 unemployed graduates across the country.

Lania Kruger

Lania Kruger


Lania started her career in the financial sector during February 2012. She has been dealing with the financial aspects of medium to large companies also serving on the Credit Committee. Her knowledge and understanding of all the risks in the SMME and Financial Sectors, together with her experience has seen her accelerated and made her a valuable asset to iMOOLA.


Melanie Clifford


Melanie started her career in 1989 as a data capturer and financial accounting system analyst for Deloitte (Louw, Futter and Partners). Melanie married Christo Clifford and in 1991 she started working in her husband’s business and she was responsible for running the total administration of multiple businesses until 2013. Melanie started a Company (MC Sure) that was contracted to do the collections for MMF. The business expanded and the name was changed to iMOOLA Transaction Services (Pty) Ltd to accommodate more work. Melanie also serves as of the Trustee Trust.