Financial

s erv ic es

IKO-KNOT
making dreams a reality

IKO-KNOT

Product list

Loans / Blacklisted loans

Asset Finance (large amounts of cash - for businesses)
Business to business loans
Start-up Business loans
Franchise opportunities
Vehicle Finance and Rent to own
Bridging Finance

Home Loans / Blacklisted Home Loans

Merchant Finance
Commercial Finance
Discount on quotations
Investments
Consolidation Loans
Debt restructering, Mediation, Sequestration and debt review

Welcome at Iko-knot
At Iko-knot the biggest rule is to keep our client happy.

Happy client = reference = bigger client base

With Iko-knot it is important to make every client feel special and always to be friendly and
courteous. Going the extra mile and helping you achieve financial freedom and taking the
heavy burden off your shoulders.

Please have a look at our Product guidelines in the following few pages. We offer a wide
range of products to suit every individuals needs.

I am your agent:

Pieter Rittles
Contact no: 061 - 470 8980
Email: selttirtrading@gmail.com

Product Guidelines
Motor financing
With motor vehicle finance we have 5 financing houses. We give feedback within 5 7 working days.
We have the only Capitec vehicle finance in SA and we can limit your declines by 60%. There are 2
of the 5 finance houses that also help blacklisted clients (only if they qualify)
Rent-to-own
The rent-to-own option we can help any person in SA. Even if they are under debt review, admin,
sequestration or black listed. You only have to qualify with affordability. There are a whole range of
vehicles across SA. Gauteng, Western Cape, Free state, Mpumalanga. Should you be interested in
this option you can contact the office and a list of vehicles will be sent. Unfortunately there is a
deposit payable with the rent-to-own options and the period can be from 48 mnths to 66. Only after
the last payment the vehicle will be transferred to the client.
Long term loans / blacklisted loans
Long term personal loans up to R250 000 only if a client qualify. Unfortunately we cant help people
under debt review. (But, we are currently negotiating with one of our investors to accommodate
such people; we should have feedback by end May 2015.) The application form and necessary
documents have to be send to the office in PDF format and have to be completed and be send in
one email. There must be 3mnths bank statements, 3 pay slips, I.D and a valid proof of address not
older than 30 days (Must be postage received at home or a letter from your work that confirm your
address or a declaration from the local municipality NO rent contracts or letters from property
agents will be accepted as well as hand written documents)
Consolidation loans
Consolidation loans work on exactly the same principal as long term loans. Consolidation loans are
up to R250 000 only if a client qualify. (House consolidations no limit) The application form and
necessary documents have to be send to the office in PDF format and have to be complete and be
send in one email. There must be 3mnths bank statements, 3 pay slips, I.D and a valid proof of
address not older than 30 days (Must be postage received at home or a letter from your work that
confirm your address or a declaration from the local municipality NO rent contracts or letters from
property agents will be accepted as well as hand written documents)
Mediation & Sequestration
Mediation This is a brand new concept which was developed to give a person some breathing
space with their debt that is taking over their lives. This is basically a consolidation loan without a
loan. With mediation we negotiate to write of all the extra interests and costs. Example: Your
current debt are R50 000 and R21 000 are for interest, that interest are written off and you only pay
back the balance at a new term. So where your payment was R5 000 a month, the new payment will
be R2 500. It isnt like debt review or administration because you still keep your good name and
credit record and should he be bad we will help you to repair it.

Product Guidelines
The only 2 things that cant be put under mediation is a car and home installment. All your other debts are
moved under one roof with one installment. Your client can mediate any debt (except the vehicle and
home) even lawyer debt etc. If you are interested in mediation, you can just send in your completed
application form with the necessary documentation and send it your agent that helped you and you need to
circle the appropriate block on the application form.
Sequestration We do cash sequestration. So in other words there cant be an assets payment. Meaning,
there cant be any home or vehicle payments still outstanding. Even though should a vehicle be bought
through MFC, arrangements have been made with the curator of the court to keep this vehicles out of the
sequestration process and you will be able to keep the vehicle. The duration of the sequestration is just 2
years and your credit profile will be clean after the whole process. During this 2 years the last 6months you
go into rehabilitation where your credit record are cleaned and it take you about 6 months after the
sequestration to build up a credit score where you will be able to start afresh. You basically pay back 25c on
every R1 you owe. A minimum payment per month is R2 200. Research had shown that we are the cheapest
in SA at the moment. Should you be interested in this option, you can complete the application form and
send it your agent that helped you and circle the appropriate block on the application form enabling us to
send you the other documentation that need to be completed to send to the sequestration lawyer.
Pension, Home sales & property agents bridging financing
Bridging financing can be done for any home sale transaction, (the property agent can also bridge on her
commission) larger than R30 000.
Home loans / Blacklisted home loans / additional bonds
We service a large client base with home loans and we can even help black listed clients with bonds.
Blacklisted home loans only main requirement is that you do not have unpaid items on your bank statement
for the last 90 days. We can even help non-South African citizens as long as they already have a SA credit
profile. Should you be interested send your completed application form to the office and stipulate that it is
for a bond. With this application there is a R5000 mandate fee payable upfront with your application for
registration and administration duties. (non-refundable 95% success rate)
Franchise Opportunities
We offer franchise opportunities. Should you be interested in a certain franchise and have all their
necessary applications, projected income and expenses, business plans, franchise agreement etc we will
negotiate and will be able to give full funding unlike banks which need a 50% deposit and the other 50% in
assets and liabilities. With franchises we also offer an investment included in the loan amount to help you
cover any unexpected costs and eventually help you pay back the loan. You can also complete the
application form with all the necessary documentation and send it your agent that helped you. There are a
R6550 mandate fee with this offer with a further capital outset from you of +\- R20 000 / R30 000 for du
diligences on you and the properties with the private investor, before a loan are approved (99% success
rate).

Product

Guidelines

Start-up business loan

We specialize with start-up business loans, and we have an investor that is very eager and giving with
profitable business plans. They service a large spectrum of business opportunities and even new
developments. Currently they / we are servicing a feeding scheme in Mpumalanga that is very big and worth
almost R40 million. The investors also service Franchising. There are a R6550 mandate fee with this offer with
a further capital outset from you of +\- R20 000 / R30 000 upwards when du diligences on you and the
properties with the private investor, and travelling costs are scheduled and before a loan are approved (99%
success rate). The investor DO NOT do du diligence on a client if he does not see potential therefore he wont
waste your time and you his. Usually the investor charge $400 p/h; but there have been set a special rate for
our clients. You will need a proper business plan and should you not have one available one can be done for
you by our outsourcing company and will be done according to the investors specifications. The investor can
also offer you equity share which will boost your business dramatically. This is up to you should you wish or
not wish to do this and can be discussed with the investor. Proudly South-African businesses get preference.
Business to business finance
No amount is too big or too small for business to business loans. Your must be a registered business which
have been trading longer than a year and must have financial statements and business plans in place. Should
you be interested, you can complete the application form and you can send it your agent that helped you and
you need to circle the appropriate block on the application form. There is also a R6550 mandate fee as the
Start up business loans. There is a further capital outset from you of +\- R20 000 / R30 000 upwards when du
diligences on you and the properties with the private investor, and travelling costs are scheduled and before a
loan are approved (99% success rate). The investor DO NOT do du diligence on a client if he does not see
potential in a business and therefore he wont waste your time and you his. Usually the investor charge $400
p/h; but there have been set a special rate for our clients. You will need a proper business plan and should you
not have one available one can be done you by our outsourcing company and will be done according to the
investors specifications. The investor can also offer you equity share which will boost your business
dramatically. This is up to you should you wish or not wish to do this and can be discussed with the investor.
Proudly South-African businesses get preference
Commercial Finance
We can finance anything that carries a barcode for a business. Nothing is too big or too small. Should you be
interested in this option, you can complete the application form and you can send it your agent that helped
you and you need to circle the appropriate block on the application form and the next set of application will
be send to you.
Discount on quotations
Should you have an existing business, and have existing contract awaiting payment we can do bridging on
that funds for you as well if you have property that have value and / or is paid in full we can also do it. Same
procedure is followed as all the business loans with capital outset etc.

Investments
Investments Management, Long term and daily investments
The investment is known as the Millionaires secret. This was an exclusive secret between selected
people, but we decided to share this wonderful secret to combat poverty.
Management Account investment: The minimum investment amount is R65 000 with a minimum
period of 36months. Maximum amount is endless. However you cant top up your management
account as with a long term or daily investment. Growth on your long term are 66% per year (5.5%
per month) - guaranteed. 66% dividends and interest rebates paid out yearly to you.

Long term investment: The minimum investment amount is R5 500 with a minimum period of
36months. Maximum amount is endless and you can top up your long term any time you like. Growth
on your long term are 50% per year (4.16% per month) - guaranteed. 50% dividends and interest
rebates paid out yearly to you.

Daily trade investments: The minimum investment amount is R5 500 (no minimum / maximum
period). Management or Long term open the market for a daily trade investment. In other words,
you need to have a management or long term before you can open a daily trade investment, but
both (management and daily or long term and daily can be opened simultaneously) Investment
amount is endless. You can top up your investment anytime you like with a minimum amount of
R5500 again maximum endless. You have to do a daily investment within 6 months time when
taken a long term.
Management Account investment:
Explained: Same principal as long term investment. Only difference, a minimum deposit of R65 000.
Long term investments:
Explained: A Minimum investment deposit of R5 500 will be made to cover 10% investment cost (this 10% is a
once of fee towards the investment house handling your investment) After you made a deposit and
completed the investment application, they will phone you and ask security question, then in 7 days they
will sms you with a web address and your unique user name and password (only you have access to). You will
only have access to your investment via internet and your interest will be re-invested at 100%. Every 12
months you will receive 50% dividends and interests on your capital. Should you wish to do another
investment you can top up with a minimum of R5 500 (10% once off admin fee for the investment house
handling the transaction). There are insurance on your money and for even larger investment amounts there
are a separate insurance.

Product Guidelines
Daily trade investments:
Explained: A Minimum investment deposit of R5 500 will be made to cover 10% investment cost (this 10% is a
once of fee towards the investment house handling your investment) After you made a deposit and
completed the investment application, they will phone you and ask security question, then in 7 days they
will sms you with a web address and your unique user name and password (only you have access to). You will
have access to your daily trading with a Payoneer bank card (which you will receive after 30 days from
application) you will also have access to your investment via internet and the option to also apply for a
Payoneer Credit card where you can transfer money between your daily trading Payoneer debit card and the
credit card. You can withdraw money from your daily trading as you please, should you need to withdraw
very large amounts, you will have to complete a withdraw sheet (you can get this from our office) and your
money will be released in 7 days. Should you wish to do another investment you can top up with a minimum
of R5 500 (10% once off admin fee for the investment house handling the transaction). You can not withdraw
more than your initial capital unless you close your daily account. With daily trade there is a 20 1000%
interest rate growth depending on the market trade of the day, even though some days trading are slow and
can stand still and then a minimum of 20% per month can also be earned. Your capital is capped every day
and if you do not do a withdrawal; trading will take place as normal.
You cant lose your money, as your capital is guaranteed by AVA TRADE and insurances are in place.

Examples of Trading
Examples of trades and interests:

Examples of Management Investment Dividends and interests

A

Month

Initial Investment
amount

Amount at every 12 months

as per column (A)

Total of 66 % dividends & interests

paid out to you (yearly).
Column C x 66%

12
24
36

R65 000

R
R
R

123,578.49
234,948.34
446,685.55

R 61,789.24
R 117,474.17
R 223,342.77

Examples of Long term Dividends and interests

A

Month

Initial Investment
amount

Amount at every 12 months

as per column (A)

Total of 50% dividends & interests paid

out to you (yearly).
Column C x 50%

12
24
36

R5000

R
R
R

8,154.21
13,298.21
21,687.27

R 4,077.10
R 6,649.11
R 10,843.64

16,308.41
26,596.43
43,374.55

R 8,154.21
R 13,298.21
R 21,687.27

32,616.82
53,192.86
86,749.10

R 16,308.41
R 26,596.43
R 43,374.55

12
24
36

R10 000

R
R
R

12
24
36

R20 000

R
R
R

ONLY Examples of Daily trades

A
Days

30
60
90
30
60
90
30
60
90

This is only an estimation as trading can stand still and the possibility of only 20% per month growth can be expected
also. Below is calculated on best case scenario with a 20% growth per day.
Initial
Estimation of interest with a 20%
Estimation of capital amount with a growth of 20% per day
Investment
grow every day if trading and growth
every 30 days if you do not draw any money and leave it to
amount
take place as planned on a certain day
grow (but it can also be as low as only 20% growth per
of a month.
month)

R
R
R

197,813.59
46,956,261.96
11,146,304,374.11

R
R
R

1,186,881.57
281,737,571.77
66,877,826,244.67

R10 000

R
R
R

395,627.19
93,912,523.92
22,292,608,748.22

R
R
R

2,373,763.14
563,475,143.53
133,755,652,489.34

R20 000

R
R
R

791,254.38
187,825,047.84
44,585,217,496.45

R
R
R

4,747,526.28
1,126,950,287.06
267,511,304,978.69

R5000

Investments Q & As
Q - Where some money paid out to investors?
A Yes there is. Actual trading examples can be given without client name if required. Due to confidentiality
clause the client names cant be made public.
Q If I do an investment of R5 000, could I add some more money on top of the investment?
A You can make as many investments as you like, it will be added to your current investment, but a
minimum top up investment amount of R5 500 have to be made. You can have limitless investments as long
as you have a minimum of R5 500.
Q How do I know my money is safe?
A Your money is guaranteed by Marketsforu. (attached guarantee)
Q If I need money from my long term before the 3 or 5 year period is over, can I get some of the
money?
A No you cant draw money before your period is over therefore it is advisable to have a long term
investment and a daily investment. Daily investments are available on a daily basis.
Q How much money must be paid to the agent?
A The client doesnt pay any money towards the agent, JSE pay Iko-Knot and Iko-knot pay the agent. The
only fee you need to pay is the once of 10% admin fee on each investment you make. The minimum
investment amount is R5500 where only R5000 will be invested for you and the R500 is for the once off 10%
admin fee.
Q What other deductions are there on my money?
A There are no other deductions, not even tax as this is already handled by the trade house and they pay
the tax over for each and every client before the money are paid in your account. However, if you transfer
money from your Payoneer card to your South-African bank card a 42% tax are payable on the money.
Q What are the risks?
A There is no risk involved as there are insurance as per earlier question
Q Do I need to worry about anything?
A Yes you do. You have to worry how you going to spend all your money as it will be making so many
babies, you wont know how and where to spend it all; insuring a worry free future.
Q Can I draw money or swipe with my Payoneer daily trading card?
A Yes, you can draw and swipe as you please. The only thing you are not able to do is load debit orders on
the account. You can also apply for a Payoneer credit card and transfer money between the two cards as
needed. For very large amounts you will need to fill in a withdraw form (obtained from us) and it will be
available within 7 days. Large amounts will be calculated on your web account and it will automatically tell
you to fill in a withdraw form (from agent) to enable large withdrawels. There is a limit of 25 000$ per day
on the card. It is advisable not to transfer money to your South-African Bank card as you will pay 42% tax
on the money.

Product Guidelines
Merchant Finance
Last but not the least we have merchant finance. Merchant finance we can help you buy goods that you
usually struggle to get financed. We already have a wide range of products available, should the client
want / need something that isnt on the list, we will try and find it for him / her.
Hope we can be of service for you, should you not understand any of the information or need more in
depth information, do not hesitate to contact our office or the agent that send you this information and
we will explain it to you until you are satisfied.

Thank you for considering doing business with us.

Should you wish you can also visit our web site:

www.iko-knot.co.za

Iko-Knot

Making Dreams a reality

Investment validation documentation

Mr Louis Roche Contact Number and

emails have been removed due to clients
phoning mr Roche while trading and in the
night while he is sleeping and this can
cause us to loose our trading license and
closing doors for other clients.
Clients need to correspond direct with Ikoknot office!!

Investment validation documentation