Platform 01 — Threerae
Microfinance and Fintech in South Africa
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.
The Platform
Access, Without Pretending Credit Is Harmless
Our Microfinance & Fintech platform does two things. It expands access to appropriate financial products for individuals, entrepreneurs and SMMEs who are underserved by the major lenders, and it uses technology to make delivering those products faster, cheaper and more consistent.
We are careful about how we talk about the first part. Widening access to credit is only a good thing if the credit is affordable, and the honest version of financial inclusion includes declining applications. Every product here sits on the same foundation: verified income, multi-bureau credit checks, an affordability assessment that can and does return a no, full written disclosure of cost before signing, and a collections approach that treats people with dignity when things go wrong.
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.
Our Products
What We Offer
Salary Advance Loans
Up to R5,000 for employed individuals, repaid on the next payday. 5% fee per cycle, fully disclosed before signing.
Purchase Order Funding
R10,000 to R100,000 for registered SMMEs holding a confirmed order from a credible buyer. 30-day term.
For Employers
Offer salary advances to your staff as a payroll-deducted benefit, at no cost and no credit risk to your business.
Fintech-as-a-Service
The technology-enabled financial infrastructure our own lending runs on, being opened to other lenders and businesses.
Our Capability
Microfinance & Fintech Services
Microfinance
Practical financial products for underserved individuals and small businesses, built on affordability assessment, disciplined risk management, transparent process and regulatory compliance.
- Salary advance and short-term microfinance
- SMME and working-capital finance
- Purchase-order and transaction-based funding
- Credit-linked financial solutions
- Credit life and related financial protection
- Digital customer onboarding
- Loan servicing and collections
- Financial inclusion initiatives
Fintech-as-a-Service
Our longer-term objective: a platform enabling businesses and financial-service providers to access technology-enabled financial infrastructure rather than building it themselves.
- Digital lending platforms
- Loan origination and digital onboarding
- Credit and affordability workflows
- Loan management
- Repayment and collections management
- Payment integrations
- Customer communications
- Financial-services APIs, reporting and dashboards
Compliance
How We Lend
NCA Registered
Threerae is a registered credit provider in terms of the National Credit Act 34 of 2005, with the reporting and conduct obligations that registration carries.
Affordability Assessed
Verified income and multi-bureau credit checks assessed against existing obligations and reasonable living expenses. Reckless lending is prohibited and we treat that as a working constraint.
Fully Disclosed
A written pre-agreement quotation setting out every fee, the total repayable and the exact repayment date, before anything is signed.
Dignity-First Collections
A tiered reminder workflow using factual, non-shaming language. Clients who contact us early are met with options, not judgement.
POPIA Compliant
Personal information processed lawfully and for a stated purpose, as set out in our privacy policy.
Risk-Smart, Not Volume-Hungry
We would rather decline an application than write a loan that damages the client and our book. Underserved does not mean under-assessed.
Next Step
Talk To Threerae
Whether you are an individual needing a salary advance, an SMME with an order to fund, an employer looking at a staff benefit, or a partner interested in the platform — tell us which and we will route you to the right process.
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.