We began in 2017 as Credit Gateway, founded with a clear goal: to provide people with easier access to credit information and scores. As we grew, so did our vision. We recognised that true financial health required more than credit access – it demanded holistic wellness solutions, compassionate debt rehabilitation, and ongoing financial education.
To empower individuals and organisations by alleviating the burden of debt and providing a clear, compassionate path to financial resilience and freedom.
To become South Africa’s most trusted and impactful partner in financial wellness, transforming how individuals, employers and institutions approach financial health.
Operational setup, ecosystem integration, Luanch of grouo Subsidiaries, geographic expansion
Contracted corporate partners, onboarded unions and employers
Concluded R100m Funding
Employers client acquisition grew 70%
Obtained Goverment Deduction code to assits civil servants
Exponential growth in users and loan distrbursements.
We believe that everyone deserves the opportunity to achieve financial stability and success, regardless of their background or circumstances. To achieve this vision, our subsidiaries work together in a number of ways to deliver our financial wellness program.
Welltec Shared Services provides the central underwriting, administration, and operational support across the Group. As the underwriting management agency, it ensures responsible credit decision-making, strong governance, and regulatory compliance. By centralising key functions, Welltec Shared Services enables consistency, efficiency, and risk management across all subsidiaries, allowing the Group to deliver sustainable and customer-centric financial solutions.
Welltec Finance is the Group’s registered credit provider, offering responsible and affordable credit solutions designed to support financial stability rather than create financial strain. Through transparent pricing, ethical lending practices, and data-driven credit assessments, Welltec Finance helps customers access credit that aligns with their affordability and long-term financial wellbeing.
Welltec Academy focuses on financial wellness training and consumer education, empowering individuals with the knowledge and skills needed to make informed financial decisions. The aim is to drive lasting behaviour change and build financial confidence across diverse communities
Welltec Financial Services is responsible for the origination and distribution of financial products across the Group. With strategic distribution channels, it ensures that appropriate financial solutions reach the right customers at the right time. Its focus is on delivering accessible, relevant, and responsibly structured products that support overall financial wellness.
Repear Debt Restructuring operates as an Alternative Dispute Resolution (ADR) Agent, specialising in the origination and facilitation of debt management products and services. It assists over-indebted consumers by engaging creditors, restructuring debt obligations, and providing structured solutions that restore affordability and financial dignity. Repear plays a critical role in helping clients regain control of their finances and move towards long-term financial recovery.
