Leah

LEAH FINANCE

We help you unlock your potential

With Leah’s Income Share Agreement (ISA), we invest in your future, not your past. We identify and fund the most in-demand skills training in the job market, so that your path to skills advancement is both stress-free and maximizes your potential. Because your success is our success.
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Students

Student financing can be a complex procedure, but it doesn’t have to be. Explore our financing option.

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Education Providers

Drive success and growth through affordable tuition options for your students.

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Employers

Prepare yourself for the challenges of tomorrow through Corporate Upskilling.

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How does Leah's ISA work?

Unlike traditional loans, our innovative financing solution focuses on your future success, not your background. We pay for your tuition and living expenses upfront in exchange for a fixed percentage of your future income over a fixed number of months, it’s that simple. In other words, we invest in your potential.

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Application & Enrollment

Apply for Leah’s ISA on our platform for the skills course you want funding for.

  • Fast application process
  • No co-signer or collateral needed
  • All programs offer the most relevant training with track records of high-paying jobs after graduation

Graduation & Payments

Once you graduate and start earning, your monthly ISA payments will begin.

  • You pay a fixed percentage of your monthly income
  • 3 months to find employment
  • If you are unemployed or earn below R15,000 your payments are paused

Completion of your ISA

Your ISA contract ends after a fixed maximum number of months.

  • If you earn little, you pay little. If you earn a lot, you pay a bit more
  • But never more than the maximum amount we agreed upon

THE DIFFERENCE

Student Loan vs. Income Share Agreement

STUDENT LOAN INCOME SHARE AGREEMENT
Repayment amount
Fixed principal plus accrued interest. The student pays back the amount financed plus interest, independent of their employment outcomes.
Percentage of income, capped by maximum repayment amount, maximum number of repayments and/or a maximum repayment period. The student may pay more or less than the amount financed depending on their employment outcomes. Constant debt-in- come ratio as the repayment is a percentage of income earned in a month.
Repayment schedule
Repayments start once the student graduates. Fixed payments are independent of income level (some income-contingent options available).
Repayments start once the student earns above a minimum threshold. The student pays a fixed percentage of monthly income as long as it remains above a minimum threshold.
Who pays the most?
Least successful graduates who incur late fees and negative amortizations.
Most successful graduates.
Credit requirement
Most require collateral, credit history and creditworthy cosigners.
Most require enrollment in value-for-money education programs. May require guardians to cosign [Leah doesn't].
UBS Optimus Foundation

1.1 bn

jobs will be radically transformed
by technology by 2030.

50%

of the global labor force will need reskilling or upskilling by 2025.
World Economic Forum.