Let me break it down for those that are shocked at Hamilton Ndlovu having acquired all those beautiful assets at once. That's because banks have managed to keep us in a small box especially when you black.

1. The so called government credited NCR this was to guard against careless lending. This was not enough for the banks, where they suddenly came up with nonsense called exposure. Exposure it's limit set for one to be lend up to.

2. I deal with consumer issues, it breaks my heart to see how Africans exposure is so low irrespective of how much one is making or earning. Banks try and limit Africans to below 5m exposure no matter how much they making, in order to acquire assets.

3. Banks charge fees, there more money you get in your account banks make money and when you paying someone. With my bank they make 90k from my account per month just on fees. Meaning in 3 months they project 270k just on fees.

4. If I where to borrow money from the bank just under 500k to grow my business, instead of being rated on how much I bank, bank will instead ask me about my projections if money will be made, yet this information is with them based on what I bank.

5. As a black business man before business loan is approved, I will be asked for lease agreement to show indeed I am opening a new office, disclose all my debtors, take a life cover policy where there is no beneficiary for such low amount of 500k.

6. The biggest problem I have is, should you have one unpaid on your account, your scoring is going to drop from 12 to a 0. You scoring will only pick up after 6 months, whether you banking good and only had one unpaid.

7. As a black business, you want to buy a car using your business, you will be told that it is a luxury and won't generate income, whether you are a doctor, lawyer, etc. Makes one wonder you suppose to buy a van as a doctor.

8. Interest rate we get as black business is ridiculous, we offered anything from 11% to 15%. This is so high in terms of your repayments.

9. The black business we never told of our options on how to keep our assets other than surrendering when business is not doing well. One has an option for the bank to extend your contract in order spread the arrears, thus riding repossession.

10. Saddest one is, it's our own black people within the banking space that do this us. They are trained to reach target at all cost, whether the law is broken or not. They get paid on commission sadly.

In closing, Hamilton Ndlovu shocked the bankers, not the people because they wondering with all these stringent measures they put in place for black business, how on earth did he manage to buy all these beautiful assets all at once?