We provide Government employees​ with a unique debt restructuring model​ that alleviates the financial burden​ of paying high-interest rates on unsecured debt.

What is the Problem?

South African Government employees, who own homes and have some of the most secure jobs in the country, have some of the highest levels of expensive, unsecured debt.​ 

Retail banks and mortgage subsidy schemes have funded over 3 million Government employee mortgages at favorable rates.​ 

Subsequently, many non-banking financial loan companies have offered expensive short-term funding lines, stretching the affordability and at times reaching into reckless lending. 

Once there is any negative mark on the clients’ credit history, the retail banks are not able to consolidate the expensive short-term debt into the existing mortgage.​ So, the client continues to pay high levels of monthly debt for the short-term debt, even though they have positive equity in their mortgage facility*. 

These borrowers are not high risk but need financial literacy and smart restructuring to save them thousands of Rands every month.​ *e.g. The home value is R1 000 000  and the mortgage is R300 000, there is R700 000 of positive equity. Their Loan to Value (LTV) is 30%. 

Why Us?

Watch this interview about Bond Optimiser, with Lee Pluke, CPO Africa Direct

What is the Opportunity?

Level 1

Individual or entity that provides ADEB with adhoc leads. Fair understanding of product offering but hasn’t received extensive Bond Optimizer training.

Level 2

Tiered monthly structure with incentives. Fees paid within 5 business days of bonds being registered. Lead fee payable upon successfully registered leads.

Level 3

Individual or entity that provides ADEB with regular flow of leads. Have received Bond Optimiser training. Can perform lite assessments. Has access to portal.

Level 1

All you provide is client name, surname and contact details, and we will do the rest.

Individual or entity that provides Africa Direct Edubond with adhoc leads. Fair understanding of product offering but hasn’t received extensive Bond Optimizer training.

Level 2

Provide client name, surname and contact details

Individual or entity that provides Africa Direct Edubond with adhoc leads. Fair understanding of product offering but hasn’t received extensive Bond Optimizer training.


  • Monthly structure with incentives. Fees paid within 5 business days of bonds being registered.
  • Level 2 lead providers are also required to create a debtcon lite, and submit documents (no motivations, or any further intervention with the client)
  • We take over, once they have captured all info, and submits the application to us

Level 3

Provide client name, surname and contact details.

  • Obtain all the require information and documents, to submit application, online
  • Motivation to be submitted to credit
  • Manage relationship with client from application to registration

Has received Bond Optimiser training. Provide Africa Direct Edubond with regular flow of leads.

Our Working Affiliates

Corporate Bank

Financial auditors

Conveyancing attorneys

Corporate attorneys

NCA compliance auditors