cppgevius, here are some things I can tell on the fly:
1. Your XML sitemap is not valid.
Google Sitemap Validator
2. I would write the robots.txt all the way around as it might be confusing the bots. I mean like this:
Sitemap:
http://www.liafin.co.za/sitemap.xml
User-agent: *
Disallow: /link.php
3. Add some more content on your index page.
There are for sure some more issues on the site, but I guess others can help you out here.
Good luck.