Lend on paper that holds up when repayment doesn't.
Loan agreements, acknowledgements of debt and payment plans — signed the day they're agreed, sealed with a certification signature, a SHA-256 fingerprint and an independent timestamp. Because if a dispute comes, it comes years later, and it comes down to the paperwork.
No credit card to start — Personal plan included.
Pay out sooner
The agreement goes out by link and comes back signed the same day — no branch visit, no printing, no waiting for someone to find a scanner.
Proof that keeps
When repayment is disputed in three years, you're not arguing over a photocopy. The seal, the fingerprint and the timestamp are checkable by anyone — including a court — free.
Honest about the NCA
Regulated credit agreements carry National Credit Act requirements of their own. KuduDoc is the signing and proof layer — it doesn't make an agreement NCA-compliant, and we say so plainly.
From the loan itself to the surety behind it
Banks aren't the only lenders. Micro-lenders, businesses extending terms, and anyone owed money uses the same stack of paper:
5. Repayment
The Borrower shall repay the Capital Sum in twelve equal monthly instalments of R4,500, on or before the first day of each month, commencing 1 September 2026, into the account nominated by the Lender in Schedule B.
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Loan agreementsFrom formal lending to a director's loan — signed, sealed, dated.
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Acknowledgements of debtAn AOD signed today is worth far more than an invoice disputed later.
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Payment plans & settlementsRestructure the debt and get the new terms signed on the same call.
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Suretyships & guaranteesPrepared and routed here — but the surety signs in wet ink or by accredited AES, and we seal the executed copy. Why.
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Instalment sale agreementsGoods sold on terms, with the paper trail intact from day one.
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Cession & security agreementsCessions of debtors or income, signed alongside the loan they secure.
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Debit order mandatesCollection authority signed in the same envelope as the loan.
The National Credit Act exists, and we won't talk around it. If you lend in the course of business, regulated credit agreements come with NCA requirements of their own — prescribed disclosures, affordability assessment, and registration as a credit provider above the threshold. KuduDoc handles the signing and the proof: who signed, what they signed, when, and that nothing changed afterwards. It does not make a credit agreement NCA-compliant, and nothing on this page is compliance or legal advice.
What we can promise is that the signing and evidence layer will be the strongest part of your file.
Signed today. Provable in 2031.
When it's disputed
Proof that outlives the repayment schedule
A borrower who stops paying in 2029 may dispute a signature made in 2026. Every completed agreement carries a certification signature, a SHA-256 fingerprint and an independent timestamp — committed at sealing, Bitcoin-anchored within hours — and anyone can check all three for free at /verify.
See how verification works1. Acknowledgement
The Debtor acknowledges being truly and lawfully indebted to the Creditor in the sum of R48,000, arising from goods sold and delivered, and undertakes to repay it in accordance with clause 3 below.
Identity
What we can and can't tell you about who you're lending to
Not yet, and it matters too much here to fudge: KuduDoc records who signed, from which device, and when, but it does not check the borrower's ID document, match a selfie to it, or query Home Affairs. Document-and-liveness checking and a live HANIS lookup* are in build and not live, so for high-value lending, verify identity the way you do today and use KuduDoc for the signing and the proof.
Where identity verification is headed* On our roadmap — in build, not live yet.
Before the next loan goes out
Yes — electronic signatures are legally recognised in South Africa under the ECT Act, the same as for other ordinary agreements. One boundary worth knowing: bills of exchange and promissory-note instruments under the Bills of Exchange Act are excluded by the Act's Schedule 2 and still need paper. A standard loan agreement or AOD isn't one of those.
No. If your lending falls under the National Credit Act, its requirements — disclosures, affordability assessment, credit provider registration — sit with you as the lender. KuduDoc gives every agreement a clean signing flow and sealed, independently checkable proof of what was signed and when. That's the layer we do, done properly. Nothing here is compliance or legal advice.
A tamper-evident certification signature, a SHA-256 fingerprint of the exact file, an independent timestamp — committed the moment it's sealed, Bitcoin-anchored within hours — and a hash-chained audit trail of every event. All checkable by anyone at /verify, free, without trusting KuduDoc's word for it.
Not the suretyship itself. You can route the loan agreement and the surety's copy of the paperwork through KuduDoc, but the surety's own signature on the deed should be wet ink or an accredited advanced electronic signature: a statute requires a suretyship to be signed, and section 13(1) of the ECT Act reserves that case for an accredited provider — we are not one. Sign the loan here, execute the suretyship properly, then seal the executed copy so its terms can be proved later. The full reasoning is on the suretyships page, and it's worth reading before you rely on a guarantee.
Not through KuduDoc yet. We capture the borrower's ID and proof of address, seal them with the agreement, and record the signing itself — device, timestamp, audit trail — but we don't check the ID document, match a selfie to it, or query Home Affairs. Both of those are in build and not live. Until they are, run your identity check the way you do now, before the money moves. Where identity verification is headed.
5 loan agreements a month are free, forever, no credit card. Sending more than that, or want a team seat? Personal raises that to 10 a month and costs R79/month including VAT for a household of five — that is the annual rate, and month-to-month costs more. Professional adds team seats and unlimited sends; its seat rate is on the full pricing page. Either way, agreements you've already sent are never affected by a plan change.
The next loan you make deserves paper this strong.
Personal plan available · South Africa · POPIA-minded
Also see: Suretyships · Client onboarding & FICA · NDAs & commercial agreements