Offering tailored finance solutions for clients who expect efficiency, professionalism, and service excellence.
About AVFS Consulting
Finance Structured. Risk Managed. Compliance Secured.
Founded by Anzel Viljoen, AVFS Consulting was built on years of experience within the motor industry and financial services sector. With a strong background in automotive finance, insurance products, and regulatory compliance, AVFS Consulting offers tailored finance solutions for clients who expect efficiency, professionalism, and service excellence.
AVFS Consulting is a specialist Finance & Compliance Advisory Firm founded by Anzel Viljoen and strengthened by the appointment of Kirsy Mulder as Legal & Compliance Manager.
AVFS Consulting blends award-winning automotive finance leadership with rigorous legal and compliance oversight — ensuring every deal is structured soundly, transparently, and with governance at its core our firm bridges the gap between strategic finance and legal accountability.
Together, AVFS bridges the gap between structured finance and contractual risk management — offering clients a rare combination of commercial expertise and legal oversight. We do not just process applications, we structure transactions.
We specialise in the following services:
- Vehicle and asset finance
- Leisure asset finance (boats, motorcycles, golf carts & caravans)
- Business and structured finance solutions
- Value-added products and insurance solutions
- Dealer and partner finance consulting
Our Core Pillars
Strategic Structuring
Every transaction is positioned for approval through intelligent financial analysis and lender alignment.
Legal & Compliance Oversight
Regulatory adherence across FAIS, FIC, NCA and POPIA frameworks.
Risk Management
Identification, mitigation and documentation of commercial and contractual risk.
Performance Optimisation
Second gross strategy, product penetration frameworks and dealer advisory.