Your employees pay rent every month. That history makes them stronger candidates for a home loan than the financial system currently recognises. Llama is the benefit that changes the outcome.
Most of your staff qualify. Most employers don't know it yet.
“Most South Africans earn enough to service a bond — and still can't get one. Llama is the benefit that changes that.”
adidasNIKEadidasNIKENot because they earn too little — but because the banks can't see their rent, and the deposit is a wall nobody told them they could remove.
South Africa's formally employed renters are not the problem. The system is.
Here's how an employee goes from paying rent to owning a home — and exactly what your involvement is at each stage.
Via WhatsApp. No app to download. No paperwork. Nothing required from your HR team. You send one email announcement. Everything after that is between the employee and Llama.
Your role: one emailEach month, Llama tracks their progress and connects them with the resources they need. The process is fully POPIA-compliant and invisible to you. As they move closer to qualifying, they earn rewards redeemable at partner brands.
Your role: noneNo deposit required. Llama manages the process end to end — including any government grants and savings programmes the employee is entitled to. Your employee arrives at homeownership.
Your role: receive a quarterly impact reportThe first question every CFO asks: if it's free, what's the catch?
Llama earns through institutional and commercial partnerships — not from employers or employees. Your cost is R0. Your staff's cost is R0. The commercial relationships that make this possible are the same ones that fund the rewards your employees earn along the way.
For CFO-level detail on how the model works, your 15-minute walkthrough is the right place. We'll walk you through it in plain language — no obligation, no pitch.
Drag to match your team. See what the numbers say.
Most financial wellness programmes cost R200–R500 per employee per year and end in a webinar. Llama ends in homeownership — and costs the employer nothing.
EAP cost range sourced from industry averages across South African HR providers, 2023–2024. Llama cost to employer is R0 as funded by brand partnerships and a guarantor fee at bond activation.
Other benefits engage. Llama transforms. Here's why HR leads, CFOs, and employees choose llama.
Funded entirely by brand partnerships and a fee at bond activation — never by you. Llama costs the employer nothing to offer, nothing to maintain, and delivers the outcome employees care about most.
POPIA compliant. Underwritten by a network of partner lenders. Employees interact with Llama directly — no system integration, no payroll touch, no data flows through your infrastructure.
Llama doesn't create structural lock-in — the employee's financial record and homeownership journey stay with them wherever they go. What stays with you is the goodwill of being the employer who made it possible. That's not something R500 more a month competes with.
Every quarter you receive an anonymised impact report — pre-formatted for ESG and B-BBEE submission. The narrative your board wants, delivered. Not assembled by your team.
Everything you need to make the case internally — from the numbers to the employee story.
“Llama was the first thing I could give my staff that felt genuinely meaningful — and it cost me nothing. One of my team messaged me after her first month saying she could see her fund growing. That made it worth it.”
“In logistics, people leave for R500 more a month — I can't always match that. Llama gave my team something money can't replace: a real path to owning a home. Setup was one email. I haven't had to explain it since.”
Global financial infrastructure experience, African market depth, and a decade on the ground in SA real estate.
Thirty years at the world's most regulated institutions — Deutsche Bank, Barclays, HSBC, Visa, Mastercard, and the UK's FCA. He ensures Llama is built to the standard banks and regulators require.
Allen has spent his career scaling fintech products across the African continent, working with institutions including Old Mutual, Standard Bank, and Ecobank. He brings the relationships and market fluency that get Llama into boardrooms and onto benefit lists.
Prince is a qualified real estate agent and agency owner with over a decade in the SA property market. He gives Llama direct access to the landlord, tenant, and agency relationships that sit at the heart of the product.
Still have questions? Book a 15-minute call and we'll walk you through everything in plain language.
Book a callBook a 15-minute walkthrough and we'll show you how many of your employees qualify — and what happens when they find out.
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