Connecting Finance,
Resources &
Sustainable Solutions
Across South Africa
Threerae is a diversified South African group operating across three complementary platforms — responsible finance for individuals and SMMEs, commodity sourcing and trade facilitation, and hydroseeding, land rehabilitation and erosion control.
01 — Our Business Architecture
Three Platforms. One Purpose.
Threerae is structured around three business platforms. Each one addresses a point where a capable participant is blocked by something other than capability — and each develops its own specialist capabilities and partnerships.
Microfinance & Fintech
Salary Advances · SMME Finance · Fintech-as-a-Service
Expanding access to responsible finance for the individuals and small businesses the major lenders overlook — and building the technology that makes delivering it scalable. Registered under the National Credit Act.
Salary Advance Loans
Up to R5,000 for employed individuals, repaid on your next payday. 5% fee, fully disclosed before you sign.
Purchase Order Funding
R10,000–R100,000 for SMMEs holding a confirmed order from a credible buyer. 30-day term.
For Employers
Offer salary advances as a payroll-deducted staff benefit — no cost and no credit risk to you.
Commodities
Sourcing · Agency · Trade Facilitation · Market Access
Most commodity deals fail on the counterparty, not the price. We connect verified producers, suppliers and buyers across African and selected international markets — and walk away from transactions that do not verify.
Environmental Rehabilitation & Erosion Control
Hydroseeding · Rehabilitation · Erosion Control
For mining, infrastructure and construction clients, rehabilitation is a financial provision with a number attached. Done properly and progressively it reduces that number. Our flagship capability is hydroseeding, across all nine provinces.
Hydroseeding
Fast, even vegetation cover on mine surfaces, road embankments, slopes and disturbed land.
Erosion Control
Vegetative and structural measures that stop soil loss before it becomes a liability.
Land & Mine Rehabilitation
Revegetation, topsoil management and monitoring supporting closure and compliance.
02 — About Threerae
Who We Are
Threerae is a diversified South African company operating across Microfinance & Fintech, Commodities, and Environmental Rehabilitation & Erosion Control. We build and facilitate practical solutions that connect people, businesses, capital, resources, technology and markets.
Our objective is to build a diversified, scalable business that creates long-term commercial value while contributing to financial inclusion, responsible resource development and environmental sustainability — combining sector expertise, strategic partnerships, technology and practical execution, with a deliberate bias toward the last of those.
Where we operate
Our office is in Gauteng and we serve clients across all nine South African provinces. Our commodities platform also works into selected international markets.
Our Vision
To become a leading global company delivering innovative solutions across financial services, commodities and environmental rehabilitation — contributing to inclusive economic growth, responsible resource utilisation and a more sustainable future.
Our Mission
To create long-term value by combining financial services, technology, commodity-market access and environmental expertise to deliver practical, responsible and commercially sustainable solutions for our customers, partners, shareholders and communities.
Provinces Served
Gauteng · KwaZulu-Natal · Western Cape · Eastern Cape · Free State · Limpopo · Mpumalanga · North West · Northern Cape
03 — Sectors We Serve
Creating Value Across Multiple Industries
Threerae works with mining and natural resources, construction and infrastructure, financial services, agriculture and land management, commodities, and the public sector.
Mining & Natural Resources
Rehabilitation, erosion control and land restoration on operating mines and at closure stage — reducing accumulated rehabilitation liability rather than deferring it.
Construction & Infrastructure
Civil contractors, developers and infrastructure operators needing erosion control and vegetation establishment on disturbed sites, cuttings and embankments.
Financial Services
Individuals, entrepreneurs, SMMEs and organisations requiring accessible, regulated financial and technology-enabled solutions.
Agriculture & Land Management
Land restoration, soil stabilisation and vegetation establishment on degraded or disturbed agricultural land.
Commodities & Trade
Producers, suppliers, buyers, traders and strategic partners seeking sourcing, agency and market-access opportunities.
Government & Public Sector
Infrastructure, environmental rehabilitation, land restoration and financial inclusion projects — including suppliers delivering against public-sector orders.
04 — Why Threerae
Diversified Capabilities. Integrated Opportunities.
- Three complementary platforms giving diversification with specialist depth in each
- A proprietary loan management system running onboarding, affordability, servicing and collections
- NCA-registered lending with affordability assessment and full written cost disclosure
- Hydroseeding and rehabilitation delivered across all nine South African provinces
- A partnership-led model giving access to specialist technical and financial capability
- Site-specific rehabilitation specification rather than one generic treatment applied everywhere
- Verified counterparties in commodities, and the discipline to decline a deal that does not check out
- A long-term view — building sustainable businesses rather than optimising single transactions
Common Questions
About Threerae
What does Threerae do?
Threerae is a diversified South African group operating three platforms: Microfinance & Fintech (salary advance loans, SMME and working-capital finance, employer payroll partnerships and fintech-as-a-service), Commodities (sourcing, agency, trade facilitation and market access), and Environmental Rehabilitation & Erosion Control (hydroseeding, land rehabilitation and erosion control).
Is Threerae a registered credit provider?
Yes. Threerae is a registered credit provider in terms of the National Credit Act 34 of 2005. All lending is subject to affordability assessment and credit bureau checks, and the full cost of credit is disclosed in writing before any agreement is signed.
Where does Threerae operate?
Across all nine South African provinces — Gauteng, KwaZulu-Natal, Western Cape, Eastern Cape, Free State, Limpopo, Mpumalanga, North West and Northern Cape — with our office based in Gauteng. Our commodities platform also works into selected international markets.
How are three unrelated businesses connected?
Each platform addresses a point where a capable participant is blocked by something other than capability: an employee facing a month-end timing gap, an SMME that has won an order but cannot fund the supplier, a producer who cannot find a credible buyer, or a mine with a rehabilitation obligation and no practical way to vegetate a surface at scale. Different sectors, the same shape of problem.
Let's Build Together
Partner With Threerae
Whether you are seeking financial solutions, commodity-market access, environmental rehabilitation expertise or a strategic partnership — send your details and our team will be in touch within one business day.
Point us in the right direction
Select what you are interested in on the form and we will route you to the right process first time rather than sending you round the organisation.
Compliance Notice
Threerae is a registered credit provider in terms of the National Credit Act 34 of 2005. All lending applications are subject to affordability assessment and credit bureau checks. We lend responsibly.
Send An Enquiry
No commitment. We just need enough to start the conversation.