means any director, manager or employee of, and any person who acts on behalf of, a moneylender or a credit grantor or a lessor, and any person, except the moneylender or the credit grantor or the lessor concerned, who receives an application from any person who intends to borrow money in terms of a money lending transaction or to obtain credit in terms of a credit transaction or to lease movable property in terms of a leasing transaction, or who in any manner acts on behalf of any person so intending in any negotiations relating to such loan, obtaining or lease.