Pepkor Payments and Lending is a division of Pepkor Trading (Pty) Ltd, offering specialized payment and lending solutions. It operates through Capfin and Tenacity Financial Services, providing personal loans and store credit. Their target audience includes Pepkor retail partners and customers. The company's unique selling proposition is its centralized support structure, which enhances operational efficiency and offers competitive financial solutions, aiming to be the first choice for Pepkor customers[1][3][4].