About Us
Our Vision
To become a trusted finance and compliance advisory partner across South Africa — known for integrity, precision, and intelligent deal structuring.
Compliance and Governance
In today’s financial landscape, compliance is not optional — it is foundational.
AVFS Consulting operates with strict adherence to:
- FAIS legislation
- Financial Intelligence Centre Act (FIC)
- National Credit Act (NCA)
- POPIA regulations
Every transaction is treated with transparency, documentation integrity, and responsible lending principles.
What Makes AVFS Different?
Most finance consultancies focus on approvals.
We focus on structure, compliance and risk mitigation.
With finance expertise supported by dedicated legal and compliance oversight, AVFS Consulting offers:
- Vehicle & leisure asset finance
- Business & structured lending advisory
- Contractual review & compliance guidance
- Dealer and partner advisory
- Risk identification & mitigation
- Insurance & policy structuring
- Governance-focused documentation processes
Our Operating Philosophy
Finance without compliance creates risk. Compliance without commercial strategy limits growth. AVFS Consulting integrates both.
Every transaction is approached with:
Strategic Structuring
Regulatory Alignment
Risk Awareness
Ethical Transparency
Long-term relationship focus
Leadership
Anzel Viljoen - Founder
Award-winning Senior Finance & Insurance Executive with more than a decade of experience across Mercedes-Benz, Jaguar, Land Rover, Jeep, Alfa Romeo, Citroen, Fiat, Opel, and Peugeot.
Kirsty Mulder - Legal & Compliance Manager
Commercial and Contract Law, Business Management. Kirsty brings high-level legal oversight, structured risk management, and corporate governance expertise to AVFS Consulting — ensuring every process meets regulatory and contractual best practice.