FluxCap Financial Services — Products & Services
The product portfolio and the product rollout logic underpinning FluxCap's lending and financial-wellness offering.
Section 6 · Business Plan
Products & Services
The product portfolio and the product rollout logic underpinning FluxCap’s lending and financial-wellness offering.
FluxCap launches with a focused short-term product and expands
deliberately into lower-risk, longer-duration and fee-generating lines.
Each product is described below with its revenue mechanics and NCA
pricing envelope.
| Product | Description | Revenue mechanics |
|---|---|---|
| FluxAdvance | Short-term digital cash loans, R500–R8,000, 1–6 months | Interest to 5%/month (3% on repeat loans within a year) + initiation and monthly service fees within NCA caps |
| FluxFlex | Flexible instalment loans, R3,000–R50,000, 6–24 months, adaptive repayment | Interest to repo + 21% p.a.; initiation + service fees; credit-life premium |
| FluxSalary | Salary-linked microfinance via employer payroll integration; deduction at source | Lower rate for lower risk; employer-channel origination fee; float income |
| FluxScore | Alternative AI credit-scoring platform (internal + B2B licensing from FY2029) | Internal risk engine; per-score API fees to third-party lenders |
| FluxWell | Financial wellness suite: budgeting, credit health, savings nudges, education | Freemium; premium subscription R29–R49/month |
| FluxEmbedded | Embedded lending APIs for e-commerce, payroll systems and fintech partners | Merchant discount / API fees; revenue share on partner-originated credit |
Product rollout logic
FluxAdvance launches first because short-term credit generates the
fastest data flywheel: high application volumes rapidly train FluxScore,
and short durations turn capital several times a year. FluxFlex follows
within six months to retain graduating customers at lower pricing and
lower risk. FluxSalary and FluxEmbedded then shift the origination mix
toward structurally lower-risk, partner-distributed
channels — payroll deduction and merchant context — which is
the primary mechanism behind the assumed cost-of-risk glide path from
22% to 13%. By FY2031 interest income falls to 58% of revenue with fees,
subscriptions, API and insurance income providing 42%.
Non-interest revenue reaching 42% of the FY2031 mix assumes
successful execution of at least three employer payroll partnerships by
FY2029 and a functioning embedded-finance API channel. If these B2B
channels underperform, revenue concentrates back into direct short-term
lending — where both cost of risk and customer-acquisition cost are
highest. Section 25 quantifies this sensitivity.
Illustrative customer pricing — inside NCA caps
The example below shows the all-in cost of a representative
FluxAdvance loan against the statutory maximum, demonstrating the
pricing headroom the Company deliberately retains below the cap as a
conduct buffer and competitive lever.
| Element | FluxAdvance example (R3,000 / 3 months, first loan) |
NCA statutory maximum |
|---|---|---|
| Interest | 4.5% per month → R405 total | 5.0% per month → R450 |
| Initiation fee | R365 (R165 + 10% of R2,000) | R365 (same formula, cap R1,050) |
| Monthly service fee | R55 × 3 = R165 | R60 × 3 = R180 |
| Credit life (FluxFlex only) | n/a on short-term product | R4.50 per R1,000 per month |
| Total cost of credit | R935 (31.2% of principal) | R995 (33.2% of principal) |
| Disclosure | Single all-in rand figure shown pre-acceptance | Prescribed Form 20 quotation |
Customer journey — application to disbursement
- Minute 0–2: mobile onboarding — cell number, ID number, biometric
selfie liveness check against Home Affairs verification. - Minute 2–5: consented data pull — bureau report, bank-transaction
categorisation via open-banking rails or statement upload; employer
verification for FluxSalary applicants. - Minute 5–7: FluxScore decisioning — statutory affordability
assessment, probability-of-default estimation, exposure and price
assignment; ~92% of decisions fully automated. - Minute 7–9: contract & mandate — plain-language quotation,
digital signature, DebiCheck debit-order mandate authenticated by the
customer’s bank. - Minute 9–15: disbursement — real-time payment to the customer’s
account; declined applicants routed to FluxWell with specific,
actionable credit-health guidance and a re-application pathway.
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.