About Us
About Threerae
A diversified South African group operating across three complementary platforms — building practical solutions that connect people, businesses, capital, resources, technology and markets.
Who We Are
Three Platforms. One Purpose.
Threerae is a diversified 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 — across South Africa, the wider African continent and selected international markets.
The three platforms are not a hedge. They share a structural logic: each one addresses a point where capable participants are blocked by something other than capability. An employee who earns enough but faces a month-end timing gap. An SMME that has won an order but cannot fund the supplier. A producer with real material who cannot find a credible buyer. A mine with a rehabilitation obligation and no practical way to vegetate a tailings surface at scale. Different sectors, the same shape of problem.
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. We combine sector expertise, strategic partnerships, technology and practical execution — with a deliberate bias toward the last of those.
Direction
Vision & Mission
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.
Our Values
What We Stand For
Integrity
We conduct business with transparency, accountability and professionalism. In lending that means full disclosure of cost before signing; in commodities it means walking away from a transaction that does not verify.
Partnership
We believe sustainable growth is built through strong relationships and aligned interests, not through extracting maximum value from a single transaction.
Innovation
We use technology, new ideas and practical approaches to solve real-world problems — including the unglamorous ones like collections workflow and reconciliation.
Responsibility
We consider the financial, social and environmental impact of what we do. In practice this includes declining credit applications that would over-extend a client.
Excellence
We pursue high standards of execution, service and continuous improvement, and we would rather be measured on delivery than on intent.
Dignity
How we treat people under financial pressure is a test of the rest. Our client communication is factual and non-shaming, especially when something has gone wrong.
Why Threerae
Diversified Capabilities. Integrated Opportunities.
Three Complementary Platforms
Diversification across financial services, commodities and environmental solutions, with each division free to develop specialist capability.
Technology-Enabled
We run our own proprietary loan management system — onboarding, affordability workflows, servicing, DebiCheck and collections — rather than operating on spreadsheets.
Practical Solutions
We focus on solutions that address real commercial, financial and environmental requirements, not on positioning.
Strategic Partnerships
We collaborate with specialist organisations, technology providers, financial institutions and technical partners where a project genuinely requires it.
Market Understanding
Local relationships, regional conditions and on-the-ground reality matter more in these sectors than a model built at a distance.
Long-Term Value
Our objective is to build sustainable businesses rather than to optimise individual transactions.
How We Work
Our Partnership Model
Threerae believes complex opportunities are best addressed through collaboration. A partnership-led model keeps us agile while giving us access to the specialist capabilities a given project needs — rather than forcing every problem through whatever we happen to own.
Financial Partners
Supporting access to capital, financial infrastructure and financial products.
Technology Partners
Providing platforms, systems, integrations and fintech capabilities.
Commodity Partners
Connecting producers, suppliers, buyers and markets.
Technical Partners
Providing specialist environmental, engineering and rehabilitation expertise.
Clients & Project Owners
Understanding requirements and delivering practical solutions.
Strategic Investors
Supporting growth, expansion and new market opportunities.
Our Commitment
Responsible Resources. Inclusive Finance. Lasting Impact.
We believe economic development, financial inclusion and environmental responsibility can work together — and that saying so is worth very little without the mechanisms to back it.
What that means in each platform
- Microfinance & Fintech — expanding access to responsible financial services, including the discipline to decline
- Commodities — facilitating responsible commercial activity and connecting resources with credible markets
- Environmental Rehabilitation — restoring disturbed land, controlling erosion and supporting sustainable land management
Explore
Our Three Platforms
Microfinance & Fintech
Salary advances, SMME and working-capital finance, employer partnerships and fintech-as-a-service.
Commodities
Sourcing, agency, trade facilitation and market access across African and selected international markets.
Environmental Rehabilitation
Hydroseeding, erosion control and land rehabilitation for mining, infrastructure and construction.
Next Step
Talk To Threerae
Whether you are a client, a partner or an investor, tell us which platform you are interested in and what you are trying to achieve. We will point you at the right person 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.