Portfolio Risk Review

Sable & Finch Credit · unsecured lending · nine branches

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Synthetic data Sable & Finch Credit is a fictional lender. Every figure on this page is generated and contains deliberately planted findings. No real borrower or client data appears here, and no identity numbers exist anywhere in this dataset.

Built by Omnatix. Loan, affordability, repayment, arrears, collections and write off exports land as CSV, are modelled through bronze, silver and gold layers in dbt on DuckDB, tested on every build, and published as Parquet. This page loads those files and runs SQL against them in your browser using DuckDB-WASM. There is no backend and no database server.

Pricing follows the National Credit Act caps for unsecured credit: interest at the repo rate plus 21%, an initiation fee of R1 207.50 plus 10% above R1 000 capped at R5 175, and a monthly service fee of R69. Affordability is assessed against the regulated minimum expense norms. Nothing on this page is legal advice.