Your merchants’ blind spot is your biggest cost. We remove it.
When a spaza shop runs out of cash at month-end, you feel it — as a cancelled order, dead stock, or a defaulted loan. The Pulse gives you 14-day forward visibility of merchant liquidity, so you act before the crunch, not after.
One signal. Value on every side of the till.
Wholesalers & cash-and-carries
14-day forward demand across your merchant network — cut shrink, dead stock and cancelled orders, and de-risk trade credit.
Lenders, MFIs & banks
Pulse Verified is a ready-made pre-qualification signal — a verified cash-flow track record where formal books don’t exist.
Telcos & MNOs
Data-bundle provisioning powers frictionless onboarding, and puts your network at the centre of township commerce.
Consultants & bookkeepers
The multiplier channel — one advisor sale onboards an entire client book, with foresight your clients actually keep using.
Development & NGOs
Measurable financial inclusion: bring forecastability and a credit on-ramp to merchants the formal system left invisible.
FMCG brands
Demand-velocity signals by category and corridor — see where liquidity is heading before you dispatch stock.
Wholesalers lose real money to a blind spot. The data holds the cure.
Modeled for a mid-sized regional cash-and-carry hub serving ~2,000 spaza shops on ~R120m annual revenue.
You already have the customers. We remove your CAC.
- Forward demand, not trailing history — adjust procurement before suppliers dispatch to your warehouse.
- Order screening — high-risk pre-packed orders are flagged against a merchant’s Safe-to-Spend before they hit the floor.
- Programmatic onboarding — a co-branded WhatsApp link on the digital receipt turns your merchant database into Pulse users at near-zero cost.
- You give distribution; we give foresight — a symbiotic data flywheel, never free marketing.
Underwrite the merchants the bureau can’t see.
Traditional scoring fails informal traders because there are no formal books. A Pulse Verified merchant carries something better: a verified, corroborated record of real daily cash flow — built from their own numbers and independently confirmed by wholesalers.
- Pulse Verified as pre-qualification — 30, 60, 90 days of healthy Safe-to-Spend, ready to act on.
- A modeled 30% reduction in non-performing loans versus traditional scoring, on merchants using the foresight engine.
- Foresight-embedded underwriting — license the engine as a white-label signal inside your own credit product.
- POPIA by design — you receive verified signals, never raw personal data.
Built for legacy systems and grid-down reality.
Live webhooks where you have them; a secure hourly flat-file poller where you don’t. Loadshedding-proof by design.
Connect
Custom webhook, or an SFTP flat-file export from your existing ERP — no modern API required.
Sanitize
An in-memory POPIA gate strips ID numbers and names before anything touches disk. Only anonymized metrics are stored.
Forecast
The engine turns transaction velocity into 14-day demand and liquidity signals in AWS af-south-1.
Act
Your team sees a live dashboard; merchants get a WhatsApp nudge. Offline-first caching survives tower and power outages.
Trust is the whole product. We won’t trade it for a deal.
Never against the merchant
We will never sell a merchant’s liquidity signal to be used against them. The trader’s interest comes first, always.
No predatory lenders
One bad partner unwinds years of trust. We do not integrate with predatory lending, full stop.
POPIA, not as an afterthought
Anonymization is an automated infrastructure gate, not a policy document. Compliance is built into ingestion.
Let’s turn your merchant network into a foresight network.
We’re signing a small number of anchor wholesalers and lenders into the pilot corroboration loop. If your business touches South Africa’s informal traders, let’s talk.
Savings and risk-reduction figures are FinFex’s modeled projections for representative partners, not guaranteed outcomes; actual results depend on network size, data quality and integration. Full assumptions shared under partnership discussion.