Katlego FinanceKATLEGOFINANCE

A South African financial company

Growth should not wait on an unpaid invoice

Katlego Finance offers two things: financial literacy simulations that let students and working professionals practise real money decisions safely, and a real embedded finance platform for South African small businesses already trading. Two different offerings, one company.

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The Katlego Finance mark, a navy letter K whose diagonal stroke rises as a gold arrow

Katlego

Success, in Sepedi

About us

Our story

Katlego means success in Sepedi, and it is the idea behind everything we build. Katlego Finance started with a simple observation: most people make their biggest money mistakes the first time they encounter them, a first payslip spent badly, a store card that spirals, a business that runs out of cash while waiting on a paid invoice.

We build two separate kinds of things because of that. Katlego Professionals and Katlego Students are closed financial life simulations, safe practice with no real money involved, for working adults and for students respectively. Katlego Finance, our embedded finance platform, is a real financial technology product for South African small businesses that are already trading, giving them working capital protection and risk tools without the paperwork and delay of traditional finance.

We are a young South African company, still growing, and every product here is built for how South Africans actually handle money, not a copy of a system built somewhere else.

Our mission
Our mission is to give South African small businesses the working capital and protection they need to grow on their own terms, and to give every South African, from a first year student on NSFAS to an owner waiting on an unpaid invoice, the practice and the tools to make confident financial decisions without risking real money to learn the hard way.
Our vision
We want a South Africa where a small business's cash flow depends on how well it serves its customers, not on how long it can wait to be paid, and where financial literacy is practised before it is tested.

What we do

Two offerings, not one path

Katlego Finance is two separate things under one name. One is real financial technology for businesses already trading. The other is financial literacy simulation for individuals. Neither requires the other.

For your business

Katlego Finance, for small businesses

Katlego Finance connects directly into how a business already tracks its invoicing, sales, and cash flow, and turns that activity into real-time protection. It scores the risk that a customer will pay late, lets a business owner protect a specific invoice with a genuine guarantee in a few clicks so cash is not stuck waiting on a slow payer, and extends that same kind of protection to everyday operational risks of trading in South Africa, like a power cut disrupting a till or stock spoiling when a cold chain breaks. No broker, no lengthy application, no paperwork stack, the platform reads the business's own activity and acts on it directly.

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For your own financial life

Katlego Professionals, for working life

Practise the money decisions of working life before they cost you.

Katlego Professionals is a closed financial life simulation built for working adults. You build a character, give them a salary and a set of goals, and steer them through first payslips, rental deposits, retirement decisions, insurance gaps, and a side business growing up, all in fast forward, months passing in minutes. Nothing you do touches your real bank account, payslip, credit record, or policy, your character takes the risk, you keep the lesson. Each module is bought once and kept forever, and finishing one earns a certificate an employer can verify online.

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Katlego Students, for the years before that

Learn money by living it, one decision at a time.

Katlego Students is the same idea, built for South African students in school, TVET, or university, including those on NSFAS. You build a character, set a real goal like a first home or an emergency fund, and steer them through allowance days, taxi fare hikes, tempting store cards, and family calls for help, watching the goal build scene by scene as the months pass. The simulation never touches a real bank account, credit record, or wallet, and guardian consent is built in for users under 18. Every finished module earns a certificate anyone can verify online.

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Not a pipeline, two products

Katlego Finance is not a journey where you start as a student and end up as a business owner on the platform. It is two separate offerings that happen to share a name and a mission. Katlego Professionals and Katlego Students are safe places to practise financial decisions with no real money involved. Katlego Finance is a real platform for a real business that already has customers, invoices, and cash flow to manage today. You are welcome to use one, the other, or both, neither is a requirement for the other.

Pricing

Simple pricing for Katlego Finance

This pricing is for Katlego Finance, the SME platform. Katlego Professionals and Katlego Students are priced separately, buy the modules you need once, no subscription.

Free

R0

  • Up to 5 invoices a month
  • Risk score for your top 3 customers
  • Manual payment reminders
  • Import up to 20 records to get started, plus CSV export of your own data
Start free
Popular

Growth

R299/month

  • Unlimited invoices and customers
  • Full risk score on every customer
  • Automated reminder sequences
  • Payment links so customers can pay you directly
  • Unlimited CSV import and export
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Pro

R699/month

  • Everything in Growth
  • Multi-user access for your team
  • Pre-extension credit checks before you offer a new customer terms
  • Cash flow forecasting and sector benchmarking
  • Dedicated migration support when you move your records over
  • Invoice protection on qualifying invoices, guarantee fees calculated automatically
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Trust and safety

What the simulations will never do

Katlego Professionals and Katlego Students never connect to a real bank account, real payslip, real credit record, or real policy. Every decision your character makes is practice, not a real transaction, and nothing on either platform is financial advice. We built it this way on purpose, so the lessons are real but the risk never is. This applies to the two simulation products only, Katlego Finance, our SME platform, is a real product that does work with a business's real invoicing and transaction data, because it is built for businesses that are already trading for real.

  • No real bank account
  • No real payslip
  • No real credit record
  • No real policy

FAQ

Questions, answered

Katlego Finance is a South African financial company with two separate offerings: financial literacy simulations for students and working professionals, and a real embedded finance platform for South African small businesses. Katlego means success in Sepedi.

No. Katlego Finance the SME platform is a real product for businesses already trading, handling real invoices and real transaction data. Katlego Professionals and Katlego Students are separate, closed simulations with no real money involved. They share a company and a name, not a product.

Katlego Finance has a free plan and two paid tiers that add more as your business grows, see the pricing section above. Katlego Professionals and Katlego Students are priced separately, per module, not by subscription.

Yes. You can explore it directly.

It connects directly into how a business already tracks its invoicing, sales, and cash flow, scores the risk that a customer will pay late, and lets a business owner protect a specific invoice with a genuine guarantee in a few clicks. It extends that same kind of protection to everyday operational risks of trading in South Africa, without a broker, a lengthy application, or a paperwork stack.

No. Katlego Professionals and Katlego Students are closed simulations. Neither ever connects to a real bank account, payslip, credit record, or policy. Your character takes the financial risk in the game, never you.

No. Katlego Professionals and Katlego Students are educational simulations, not financial advice, and nothing you see there should be treated as a personal recommendation. Speak to a qualified financial advisor for advice specific to your situation.

Yes. Guardian consent is built into the signup process for users under 18, and the simulation never touches real money or real financial accounts.

Ready to grow?

Whichever one you need, there is a place to start.

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