Our Portfolio

Our growing stable of 8 brands currently serves 240k customers across 5 countries


Leveraging the use of technology developed in-house, SmartAdvance delivers innovative and simple financial products, including personal loans and insurance, to enable and empower employers, employees and consumers. SmartAdvance currently services leading African brands in the FMCG, medical services and retail sectors. It is a registered financial services provider.


Happy Pay is Africa’s leading Buy Now Pay Later platform financially empowering consumers with a zero-interest financial solution and simple payments. Offering technology that makes BNPL appealing and safe, Happy Pay grows merchants’ customer bases through influencer social distribution and by providing quick approval for interest-free shopping. Happy Pay also offsets its transaction impact and encourages conscious consumerism through its reforesting initiative called Happy World.


TrustGro is a lender with a unique approach to credit, focusing on financial education and SMEs in Kenya and Tanzania. With more than 9000 clients contributing to its books, TrustGro aims to create an inclusive ecosystem where people and organisations can access financial solutions that help them meet their desired objectives.


NiftyPay provides inclusive financial services in Sub-Saharan Africa. Our mission is to provide simple, affordable and hassle-free financing. We provide customers with a one-click, Buy Now Pay Later, Subscription and Credit omni channel-platform.


Niftycredit offers personal credit through an online portal, using smart technology, where customers can apply for credit online or through the Niftycredit app within minutes. Our system offers personalised credit based on positive payment behaviour, allowing our customers to get money when they need it on better repayment terms.


This authorised financial services provider offers insurance products and employee benefit solutions for individuals and employers, including funeral cover, commuter cover, credit life and group medical insurance. These services are supported by smart technology to make the application process easy and enable customers to maintain control of their insurance products online

Fractal Labs

This artificial intelligence business uses data to unlock insights for strategic development within organisations. Fractal Labs converts data into measurable and scalable financial and risk tools to enable businesses to run faster and more efficiently while reducing operational costs and overcoming regulatory, financial and fraud challenges.

Debt Helper

Debt Helper offers personalised Debt Management services. Their team of experts find the best solution for their clients to get ahead of their debt by assessing their financial situation, renegotiating credit agreements and investigating reckless lending. Debt Helper focus on technology to drive their processes and their systems integrate with South Africa’s major credit providers to ensure fast and efficient solutions. With a wide range of Debt Management solutions available, Debt Helper help people get back in control of their finances!


This platforms controls the entire payroll process for businesses, relieving administrative efforts on the company. The tax-compliant product provides HR services, payroll solutions and allows for easy migration from older platforms. Employees will be able to use self-service functionalities to request leave and view their payslips.


GetBucks is a registered financial services provider which, through a digital platform, provides a range of lending and insurance products to Namibian and eSwatini consumers. With a dedicated team for customer support and personalised credit for individuals and SMEs, it makes access to cashflow simple.

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