Shining a light on non-bank lending.

The technology platform that brings structure and transparency to non-bank lending.

We design, build, and stress-test financing models from the ground up — so lenders can grow and investors can deploy with confidence.

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Legal · Structuring · Risk · Technology · Monitoring

A finance lab for non-bank lending.

Non-bank lending powers real economies — but it's often opaque and hard to access. DebiFlow changes that. At our core is a technology platform that brings structure and transparency — through asset-backed instruments, standardised credit and due diligence frameworks, and institutional-grade monitoring.

Foundation Type View
What we do Mission
Where we're going Vision
What we stand for Values
Mission

To bring transparency and structure to non-bank lending — making it accessible, accountable, and investable.

  • We design, build, and stress-test financing models from the ground up.
  • We handle the legal structuring, risk calibration, due diligence frameworks, and the technology to manage it all.
  • The end product is a lending model that is as secure and transparent as we can make it.
Vision

A world where every non-bank lending transaction is as visible, structured, and trustworthy as any institutional market.

  • For lenders, we optimise cashflow and reduce administrative burden.
  • For investors, we provide mandate-aligned access to high-yield returns — secured by quality assets with a clear path to recovery in the event of default.
  • Investor capital is always either deployed and earning, or held and ready.
Values

Transparency, structure, accountability, and access.

  • Transparency — We believe sunlight is the best disinfectant. If it can't be seen, it can't be trusted.
  • Structure — Good lending needs good frameworks. We standardise what the market won't.
  • Accountability — Every rand deployed is tracked, monitored, and recoverable.
  • Access — Institutional-grade doesn't have to mean institutional-only.

One platform, end-to-end.

DebiFlow handles everything required to take a financing model from design to deployment — legal paperwork, structuring, risk calibration, and the technology to run it.

Legal frameworks
Standardised facility agreements, security-sharing documents, and collection account pledge agreements — pre-drafted and ready to deploy. Enforceability is built in from day one, not bolted on later.
Credit structuring
We design asset-backed instruments with defined advance rates, drawdown rules, and collateral buffers. Each model is tailored to the underlying asset class, with eligibility criteria that keep the investment pool clean and investable.
Risk calibration
Portfolio covenants, concentration limits, ageing thresholds, and performance triggers — all defined upfront. Automated breach detection flags issues in real time, with repurchase workflows to maintain collateral quality.
Technology & monitoring
Cloud-hosted platform where lenders and investors work from the same single source of truth. Standardised data templates, automated reporting, exception queues, and reconciled settlement — all versioned and auditable.
Recovery & enforcement
If agreed protections are triggered, the platform enforces the pledged accounts and security package to execute the payment waterfall — without waiting for lengthy insolvency proceedings. Clear paths to recovery, built into every model.

Capital, always working or always secured.

Every model we build follows the same principle: investor funds are either deployed into quality assets and earning a return, or held on hand and ready. Never idle, never unprotected.

  • Define drawdown rules, limits, and investor liquidity preferences.
  • Set maximum exposure limits, net of expected repayments.
  • Track utilisation and available headroom in real time.
  • Route inflows and outflows through managed accounts.
  • Process investor settlements on the agreed cadence, or redeploy into new assets.
  • Maintain full cash-on-hand visibility at all times.
  • Enforce repurchases to maintain collateral quality.
  • Keep the security pool aligned to eligibility rules and mandate limits.
  • Deliver reconciliations and reports for validation and evidence.

Two ways to work with us.

We take our financing models to market in two ways — depending on whether you want us to manage capital or power your own operations.

Managed solutions

  • We deploy investor capital into products we've built and are comfortable with.
  • Ongoing risk management, portfolio monitoring, and performance reporting.
  • Investors get oversight, transparency, and access to high-yield returns backed by real assets.
  • We charge a management fee based on assets under management.

White-label solutions

  • We license our financing models, legal frameworks, and technology platform to third parties.
  • You run your own lending operations using our infrastructure.
  • Full access to our structuring, risk calibration, monitoring, and reporting tools.
  • We charge a fixed service fee.

Built-in protections, not afterthoughts.

Every financing model ships with the same institutional-grade safeguards — whether managed or white-labelled.

Collateral
Asset-backed security
Only verified, in-scope assets are funded. Advance rates and collateral buffers preserve headroom and protect investors.
Limits
Covenants & triggers
Portfolio covenants set clear boundaries. Automated breach detection and exception queues catch issues before they escalate.
Legal
Enforceable from day one
Standardised documentation, pledged accounts, and cession mechanics enable rapid enforcement on breach — no waiting for court.
Audit
Full transparency
Versioned inputs, outputs, and calculations every cycle. Reconciled reporting and a complete audit trail for ongoing visibility.

Let's build something together.

Whether you're a lender looking for funding infrastructure, an investor looking for structured access, or an operator looking to white-label — we'd like to hear from you.

Managed solutions

  • Lenders with a track record and at least 1 set of audited financials.
  • Investors looking to deploy R100k+ for a minimum of 6+ months.
  • We'll walk you through the process, share our standardised legal pack, and prepare a due diligence profile.

White-label solutions

  • Operators, funds, or platforms looking to run their own lending operations.
  • Access to our financing models, legal frameworks, risk tools, and technology platform.
  • We'll scope your requirements and build a solution that fits.

Let's get the conversation flowing.

Lender, investor, or operator. Get in touch.

Book a demo