Micro Lending for Transport

Accessible credit solutions that empower drivers and operators to grow their businesses through data-driven risk assessment and flexible financing.

The Challenge

Financial Exclusion in Transport

Traditional financial institutions often overlook the transport sector, leaving drivers and operators without access to the capital they need to maintain vehicles, expand operations, or improve service quality.

This creates a cycle where:

  • Vehicle maintenance is delayed, leading to breakdowns
  • Operators can't afford to expand their fleets
  • Drivers resort to exploitative informal lending
  • Cash flow challenges impact service reliability
75%
Of operators lack access to formal credit
40%
Interest rates from informal lenders
R50k
Average maintenance cost per vehicle/year
30%
Of revenue goes to vehicle costs
Our Solution

Data-Driven Micro Lending

Leveraging transport data to provide accessible, fair, and transparent credit solutions

Data-Driven Risk Assessment

We use real-time operational data - trip frequency, revenue patterns, route consistency - to build accurate credit profiles that traditional banks can't access.

Maintenance Financing

Short-term credit for essential repairs and regular maintenance, preventing small issues from becoming costly breakdowns.

Working Capital Loans

Bridge financing to manage daily operational costs, fuel expenses, and cash flow gaps during slow periods.

Digital Application Process

Apply for credit directly through our platform with instant pre-approval based on your operational track record.

Fair Interest Rates

Transparent, competitive rates based on your actual business performance, not arbitrary credit scores.

How It Works

Simple, Fast, Fair

01

Build Your Profile

Use our tracking and payment platforms to establish a digital operational history that demonstrates creditworthiness.

02

Apply Digitally

Submit a loan application through our mobile app or web platform with minimal documentation required.

03

Get Instant Decision

Receive automated credit assessment and pre-approval within minutes based on your operational data.

04

Repay Flexibly

Automated deductions aligned with your revenue cycles, with flexible terms that adapt to your business.

Our Products

Flexible Financing Options

Choose the right product for your needs

Quick Cash

R500 - R5,000

  • 7-30 day terms
  • Instant approval
  • Daily deductions
  • Emergency repairs
  • Fuel advances
Apply Now
Most Popular

Maintenance Loan

R5,000 - R50,000

  • 1-6 month terms
  • 24-hour approval
  • Weekly deductions
  • Major repairs
  • Parts & servicing
Apply Now
Success Stories

What Our Clients Say

"When my taxi needed urgent repairs, I got approved within hours. The daily deductions fit perfectly with my income. No bank would have helped me that fast."

Thabo M.
Taxi Owner, Johannesburg

"I started with a small maintenance loan. After paying it back on time, I qualified for vehicle finance. Now I own two taxis instead of one."

Nomsa K.
Fleet Owner, Pretoria

"The fact that they use my trip data to assess my loan means I don't need payslips or bank statements. They understand the taxi business."

Sipho D.
Taxi Operator, Durban
Benefits

Why Choose Our Micro Lending

No Traditional Credit History Required

Your operational performance is your credit score

Fast Approval & Disbursement

Get funds when you need them, not weeks later

Transparent Terms

No hidden fees, clear repayment schedules

Build Credit History

Successful repayment unlocks larger credit limits

Integrated Platform

Seamlessly works with our tracking and payment systems

Support & Education

Financial literacy resources to help you succeed

Ready to Access Fair Credit?

Join thousands of drivers and operators who have unlocked growth through our micro lending platform.

Get Started Learn More

NCR Registered Credit Provider | NCRCP15988

Micro Lending Terms and Conditions

NCR Registered Credit Provider

Registration Number: NCRCP15988

1. General Terms

These terms and conditions govern the provision of micro lending services by Mukone FinTech Solutions PTY LTD, a registered credit provider in terms of the National Credit Act 34 of 2005 (NCA).

2. Eligibility

  • Applicants must be at least 18 years of age
  • Must have a valid South African ID or be a registered business entity
  • Must be an active user of Shared Mobility Africa's platform or associated services
  • Must have a verifiable operational history through our tracking and payment systems

3. Loan Products

We offer the following credit facilities:

  • Maintenance Financing: Short to medium-term credit for vehicle repairs and maintenance

4. Interest Rates and Fees

  • Interest rates are determined based on individual risk assessment and operational data
  • All fees and interest rates comply with the NCA maximum prescribed rates
  • No hidden fees - all costs are disclosed upfront in the loan agreement
  • Initiation fees, monthly service fees, and insurance premiums (where applicable) will be clearly stated

5. Credit Assessment

Credit decisions are based on:

  • Operational performance data from our platform
  • Historical revenue and trip patterns
  • Vehicle utilization and efficiency metrics
  • Payment history on our platform
  • Affordability assessment in compliance with the NCA

6. Repayment Terms

  • Repayment schedules are tailored to your cash flow patterns
  • Automated deductions can be set up through our payment platform
  • Early repayment is allowed without penalty
  • Late payment fees may apply as per the loan agreement

7. Data Privacy and Usage

  • Your operational data is used solely for credit assessment purposes
  • All data handling complies with the Protection of Personal Information Act (POPIA)
  • We may share credit information with registered credit bureaus
  • You have the right to access and verify your data at any time

8. Default and Collections

  • In the event of default, we will notify you and attempt to arrange alternative payment arrangements
  • Defaulted accounts may be handed over to registered debt collectors
  • Negative credit information may be reported to credit bureaus
  • We reserve the right to take legal action to recover outstanding debt

9. Right to Information

You have the right to:

  • Receive a quotation before entering into a credit agreement
  • Receive a copy of your credit agreement
  • Request a statement of account at any time
  • Apply for debt review under the NCA if facing financial difficulties

10. Complaints and Disputes

  • Complaints should be directed to: complaints@sharedmobility.africa
  • We will acknowledge complaints within 5 business days
  • If not satisfied with our resolution, you may escalate to the National Credit Regulator (NCR)
  • NCR Contact: 0860 627 627 or complaints@ncr.org.za

11. Regulatory Compliance

Mukone FinTech Solutions PTY LTD is registered with the National Credit Regulator under registration number NCRCP15988 and adheres to all provisions of:

  • The National Credit Act 34 of 2005
  • The National Credit Regulations
  • The Protection of Personal Information Act 4 of 2013

12. Amendments

These terms and conditions may be amended from time to time. Any changes will be communicated to active borrowers at least 30 days in advance.

Contact Information

Mukone FinTech Solutions PTY LTD

lending@sharedmobility.africa
+27 (0)87 236 3065
55 Richards Drive, Halfway House, Midrand, South Africa

NCR Registration Number: NCRCP15988

Last Updated: January 2026