About us
We get South Africans finance-ready, not just hopeful.
Saneli Financial Foundations is a South African credit readiness service. We turn your bureau record into a plain-language plan, settle what is holding you back, and only then help you approach a lender.
Why we exist
Most people only discover a default or judgment on the day a bank declines their bond or vehicle application. By then the deal is gone, the deposit is wasted and nobody explains what to fix.
We built Credit Score ReadinessSA so that the same information a lender sees is in front of you months earlier — with the exact accounts to settle, the order to settle them in, and the repayment you can genuinely afford once your salary has been analysed.
Membership is a flat R199 a month. Members who bring in friends earn R29.85 for every friend each month that friend stays subscribed — seven paying friends cover the subscription entirely, and everything above that is theirs to keep.
Your data stays yours
We only draw your credit report with your written POPIA consent, and every access is logged. We never ask for banking passwords or one-time PINs.
Affordability before approval
Every repayment we show you is stress-tested two percent above the base rate, so the number you plan around is the number you can survive.
Paid to creditors, not to you
When we settle accounts through an internal consolidation loan, the money goes straight to the creditor and we collect the closure letter for you.
One clear finish line
A single readiness score against the target your bank actually uses — 620 for a home loan, 590 for vehicle finance.
Ready to see where you stand?
Sign up, give consent once, and your readiness dashboard fills in automatically.