FluxCap Financial Services — ESG & Financial Inclusion Strategy

The ESG and financial-inclusion strategy - the responsible-lending, social-impact and governance commitments underpinning FluxCap.

FluxCap Financial Services Business PlanSection 16 › ESG & Financial Inclusion Strategy

Section 16 · Business Plan

ESG & Financial Inclusion Strategy

The ESG and financial-inclusion strategy – the responsible-lending, social-impact and governance commitments underpinning FluxCap.

FluxCap’s ESG proposition is intrinsic to its commercial model rather
than adjacent to it: the product is financial inclusion, delivered
responsibly, measured honestly. This alignment is central to the
Company’s attractiveness to development finance institutions, whose
participation in the funding stack is both a capital source and a
governance signal.

Pillar Commitments Measurement
Financial inclusion Serve thin-file and previously excluded consumers; vernacular-language journeys; USSD access for low-data users % of approvals to thin-file applicants; geographic reach beyond metros
Responsible lending Affordability safeguards beyond statutory minimums; transparent all-in pricing display; no hidden fees; hardship rescheduling programme Complaint ratios; over-indebtedness referrals; NCR compliance findings
Consumer education FluxWell financial literacy content free to all users, customers or not; school and community programmes from FY2029 Active FluxWell users; measured credit-score improvement across the base
Governance Social & Ethics Committee ownership; annual responsible-lending audit published to funders Independent audit findings; covenant compliance
B-BBEE & transformation Level 4 at launch → Level 2 by FY2029; ownership, management control, skills development, ESD spend Verified scorecard; learnership numbers
Environment Cloud-first, paperless operations; modest direct footprint measured and offset Carbon disclosure in annual funder report

The dignity argument deserves explicit statement: FluxCap’s
regulated, transparent product competes most directly with informal
money-lending, where effective rates are uncapped and collection
practices can be coercive. Every customer migrated from that channel
into a regulated, NCA-priced product with hardship protections
represents measurable social value creation — the
metric DFI partners such as the DBSA, IFC and IDC are mandated to
fund.

Confidential — this business plan is provided to prospective investors and lenders for evaluation purposes only and may not be reproduced or distributed without the written consent of FluxCap Financial Services (Pty) Ltd.