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Diversit-e Smart Trade College knows what is expected from a business to retain clients, the extra mile and hours to keep them satisfied, and the value of testimonials. For this reason, we formally would like to express our appreciation toward CT International and its whole team. 1. When Diversit-e Smart Trade College approached CT International to assist our clients with obtaining finance for their purchases, we were warmly welcomed. 2. The processes are easy to follow, payments are received on due dates, and our clients are dealt with professionally. 3. Thanks to the level of service we have received from CT International, our business expanded. We grew exponencially, and were we able to invest more funds in developing a quality product and appoint employees with the required skill to coach- and ensure service delivery is more than what the clients expect. 4. Without even blinking an eye, Mr. Mike Russon, CEO of CT International Financiers, goes out of his way to do follow-up visits- and calls, and with his many years of mastering the art of sales, guide and coach us to grow even more. This personal touch shows the level of commitment CT International has for its clients. 5. We solely believe in the saying “Your network is your net worth” and for that, we are honored to be associated with a regulated company like CT International Financiers. 6. We will recommend their services to any person who wants to grow their current business or who is looking at ways to start a new venture and need assistance with consumer product finance. Big thumbs up to CT International. We hope to do business with you and your team for many years to come. Sincerely. Francois Oosthuizen M.D. Diversit-e Smart Trade College

To whom this may concern, I, Kobus Tosen operating as CCL Globalex can confirm that I have been doing consumer finance through CT Financiers for the past 19 years and can very comfortably say that to work with Mike Russon and his very sufficient team is only but a pleasure. The engine room of CT Financiers is not only sufficient, seamless and effortless but the staff behind the desks are competent and very hard working. Always willing to go the extra mile for us. We are a company that operates and makes use of systems that are user friendly, since that technology is not our strengths and throughout the years CT Financiers has been this and more, every time there is a system update or improvement we are clearly guided through the process to ensure we understand the system, the staff is always more than willing to assist wherever possible. The sufficiency behind the contact with our clients is also very professional and promptness is of out most important to both us and Mike Russon and I think that’s what makes CT Financiers so successful. The interest rates are always fair, as well as the initiation fees and other administrative fees that go along with our finance deals are always in the line of what most banks either charge or even better. Mike Russon and his team are always willing to go beyond there needs and means in order to help our clients and help us with the business. Being in a sales driven career environment, things need to always happen quickly and sufficiently and that’s one thing Mike Russon and his team thrive on. And that’s what makes any sales company interested and hungry to do business with CT Financiers. CT Financiers is not only a great company with great systems, but great staff and most importantly reliable, it’s a company that’s been running for over 35 odd years so that alone says a lot in our opinion, always judge a business by how long its been successfully standing. We proud to be part of Mike Russon’s team as well as having the benefit of being associated with CT Financiers. read more Kobus Tosen Director, CCL Globalex

Ek doen al besigheid met CTI vir meer as 20 jaar. As n sake eienaar kan ek eerlik sê ek sou nie wees waar ek is vandag sonder hulle nie. Ongelooflike reeks van produkte in die korporatiewe veld. Die enigste maatskappy wat ek ken waar die CEO persoonlik betrokke is op n daaglikse basis. Die mense wat kerm is mense wat geld leen en dan wil huil wanneer dit moet terug betaal word. Ek beveel CTI aan vir enige maatskappy wat wil groei saammet n lojale vennoot.

Having partnered with CTI Financiers, for more than five years, across our group of Companies, one gains a rare and invaluable perspective. You truly come to understand who you dealing with in business.
In all my years as an entrepreneur, I have not encountered another Financial institution, who invests the time and effort, to genuinely understand my vision, my strengths and limitations and my specific business needs.

Many of the opportunities I pursue, are ‘explosive’ in nature. They arise suddenly, often when I am called in, to rescue mismanaged projects, where critical decisions and immediate funding,
are non-negotiable.

One such an example, involved a Tender, exceeding R100 million, to complete a 15-storey Commercial building.
Multi-million-Rand funding was required, within a matter of days.

CTI’s CEO, Mike Russon, met with me on a Monday morning. By Friday, the required payments had been made. Without his decisive leadership and the highly competent Management team supporting him, that contract would have been lost. That experience alone, speaks volumes about CTI’s efficiency, integrity and ability to execute under pressure.

One of CTI’s greatest advantages, is that they buy me time… something I simply do not have. They effectively manage my entire financial “engine room,” allowing me to focus on what I do best: execution and delivery. This level of support, is invaluable to any high-growth business.

Could I qualify for funding with traditional Banks?Certainly, in different circumstances.
However, my most recent experience with a major Bank, was the final confirmation that CTI, is in a league of its own. Despite fulfilling all my obligations, on a completed Commercial development, payment of several million rand, was delayed for six months, with one excuse after the other.

I am done with Banks, that treat entrepreneurs like numbers. They drag out processes, request endless documentation in fragmented stages, show little interest in your growth journey, impose rigid lending caps and ultimately, over-promise and under-deliver.

In contrast, Mike Russon, listens.
He ensures that he understands the mechanics of a project, makes a decision within 24 hours and within the next 48 hours, his team completes due-diligence and finalizes the details.
Within a week, you are ready to proceed.
As every businessperson knows, time is money.

I confidently and unequivocally, endorse
CTI Financiers, as the ideal Financial partner for businesses that:
-Require decisive responses within 24 hours
-Seek to grow their Debtors book by over 300%, without additional security
-Value direct access to a CEO, who is a serial Entrepreneur, understands real-world business challenges, opens doors when needed and treats clients with respect and integrity
CTI is not just a Financier.
They are a strategic partner. Their service, ethics and efficiency, set a benchmark in the industry.

Yours in business and satisfied client

To Whom it May Concern
Dear Sirs

CT INTERNATIONAL FINANCIERS (PTY) LTD ("CTI")

As a player in the renewable energy sector, we became frustrated with the cap placed on our credit facility by our bankers (one of the Big 5) which inhibited our ability to grow at a time when demand for our products was exploding.

Fortunately, we were introduced to CTI who immediately understood our vision and who put together a bespoke trade financing package that catered to our needs as a growing business. It was thanks to CT's flexibility that we were able to grow the business into a nine-figure turnover within a two-year period.

Not only were CTI prepared to increase our facility as we grew but they became genuine partners providing us with strategic advice and back-end support that enabled us to concentrate on growing sales.

It is not an exaggeration to say that we would never have achieved what we did without CTi's support.

Sincerely