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About Us

Ndivhu Consulting

Ndivhu Consulting is a startup-focused business consulting firm dedicated to assisting individuals who are looking to enter the world of entrepreneurship.

Our services are designed specifically for:

  • First-time business owners
  • Individuals planning to start a lending business
  • Entrepreneurs who want to operate professionally and legally from the start

Our goal is to ensure that before you begin operating your business, you understand exactly what is required and how to structure it properly.

Our Services

How We Help You

Startup Business Consultation

We provide guidance on choosing the right business structure, understanding regulatory requirements, business registration processes, required agreements and policies, setting up operational processes, and risk awareness and compliance.

Duration: 60 Minutes | Fee: R1,500

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Lending Business Startup Consulting

We guide aspiring lenders on how to structure a lending business, NCR registration preparation, required lending agreements, client onboarding procedures, loan calculation basics, compliance under the National Credit Act, and record-keeping practices.

Duration: 60 Minutes | Fee: R1,500

1-Month NCR Registration Package

Fee: R6,500 (Payment must be made upfront)

This package includes:

  • Full guidance on all required supporting documents
  • Completion of all NCR application forms
  • Submission of your NCR application to the NCR
  • One (1) full 60-minute consultation session to discuss the process and requirements
  • Question & Answer support via WhatsApp or text throughout the month for registration-related queries
  • Guidance on NCR registration fees and payment process
  • Advice and recommendations for accountants who can assist with financial requirements
  • Recommendations for debit order / debit check service providers used in the lending industry
  • Guidance on setting up debit order systems and assistance with the process where required

This package is designed for individuals who are ready to register their lending business and want the process handled professionally and efficiently within one month.

Please note: NCR approval timelines depend on the NCR's internal processes. This package includes assistance with the application process and submission.

Speaking Services

Business and motivational speaking services for aspiring entrepreneurs and startups. Topics include: How to Start a Business the Right Way, Common Startup Mistakes to Avoid, Understanding Business Compliance, and more. Available for corporate events, schools, universities, and workshops.

Common Mistakes

Why Most Startups Fail

Many startups do not fail because of a lack of effort — they fail because they begin operating without the correct structure.

Common Mistakes
  • Starting without understanding compliance requirements
  • Operating without proper client agreements
  • Not separating business and personal finances
  • Charging clients without written policies
  • Poor record-keeping practices
  • Lack of operational processes
Risks You Face
  • Legal risk
  • Financial loss
  • Regulatory penalties
  • Unsustainable operations

At Ndivhu Consulting, we focus on helping you avoid these risks by ensuring that you begin your business journey with the correct foundation in place.

Leadership

Meet The Founder

Ndivhuho Munangiwa

Ndivhuho Munangiwa is the founder of Ndivhu Consulting, a startup-focused business consulting firm dedicated to assisting aspiring entrepreneurs in building structured, compliant, and sustainable businesses from the ground up.

She has been actively involved in the lending industry for more than 7 years, equipping her with practical knowledge and industry insight into the requirements, compliance obligations, and operational structures necessary to start and manage a lending business professionally.

Ndivhuho is also the Chief Executive Officer (CEO) of Sent Studios, amongst other businesses that she owns and serves as a board member of.

Through her consulting and speaking engagements, she aims to empower first-time entrepreneurs with the foundational knowledge required to start and operate businesses in a structured and compliant manner from day one.

Mission

To empower aspiring entrepreneurs by providing startup-focused consulting that promotes structured, compliant, and sustainable business practices from the beginning.

Vision

To become a trusted consulting firm known for supporting first-time entrepreneurs in building professional and legally structured businesses.

Partnerships

Our Partners

We collaborate with trusted partners to provide comprehensive support for your business journey

Sent Studios

Creative media and production company specializing in photography, videography, and digital branding solutions.

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Cheeze Africa

Marketing and creative division specializing in strategic brand positioning, digital advertising, and high-impact communication.

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Trevail

Professional services and business solutions for growing enterprises.

Van Wyk

Expert consulting and advisory services for business development.

Questions

Frequently Asked Questions

Who are your services for?

Our services are designed for individuals who are planning to start a business.

Do you assist businesses that are already operating?

We assist startups, early-stage businesses, and entrepreneurs who are looking to formalise their business operations and operate in a structured and legally compliant manner.

Do you register businesses on behalf of clients?

We provide guidance and advisory support on the registration process.

Is the consultation a once-off session?

Yes. The consultation is a once-off advisory session unless you opt for the mentorship programme.