Microfinance & Fintech
Fintech-as-a-Service: Financial Infrastructure for Africa
Threerae runs its own lending operation on its own technology. Our longer-term objective is to make that infrastructure available to other lenders and businesses, so they can deliver credit without building the stack from scratch.
Where This Sits
Built From Operating It, Not From A Whiteboard
We are direct about the stage this is at. Threerae operates a proprietary loan management system today — onboarding, credit and affordability workflows, loan servicing, collections, DebiCheck integration and automated customer communications all run on it, for our own book. Fintech-as-a-Service is our stated longer-term objective: opening that infrastructure to other lenders and businesses as a platform.
We think that order matters. Lending technology built by people who have never carried the credit risk tends to be optimistic in exactly the places that cost money — affordability logic, collections workflows, and the unglamorous reconciliation work between a payment instruction and a ledger. Everything in our stack exists because our own operation needed it to work.
Our finance objective
To develop Threerae from a traditional financial-services operation into a technology-enabled financial-services platform capable of delivering and supporting scalable financial solutions — beginning with the infrastructure that already runs our own lending.
The Capability Set
What The Platform Covers
Digital Lending & Origination
Loan origination and digital customer onboarding — application capture, document collection, identity verification and decisioning workflow.
Credit & Affordability Workflows
Multi-bureau credit checks, income verification and affordability assessment built around National Credit Act requirements rather than bolted on afterwards.
Loan Management
Servicing, ledgers, schedules, statements and account lifecycle management for short-term and transaction-based credit products.
Repayment & Collections
DebiCheck integration, tiered reminder workflows and automated collections sequencing — the part that determines whether a book performs.
Payments & Integrations
Payment integrations, payroll deduction handling and financial-services APIs for connecting to existing systems.
Risk, Compliance & Reporting
Compliance workflows, audit trails, provisioning views and dashboards for portfolio health, arrears and regulatory reporting.
Who It Is For
Three Kinds Of Conversation
We are interested in talking to
- Lenders and financial-service providers who need infrastructure rather than another spreadsheet
- Businesses wanting to embed credit into an existing customer relationship
- Employers and payroll operators integrating salary-linked financial products
- Technology and payment partners whose capabilities complement ours
- Strategic investors and partners supporting platform development
What we bring to it
- A working loan management system running a live book, not a prototype
- Operational experience as an NCA-registered credit provider
- Affordability and collections logic shaped by carrying the risk ourselves
- A partnership-led model rather than a build-everything-in-house instinct
- Honesty about what is production-ready today and what is roadmap
Next Step
Talk To Threerae
Tell us what you are trying to build or replace, and where the current process breaks. We will be straight with you about what our platform handles today versus what sits on the roadmap — a partnership that starts with an overstatement is not worth having.
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.