Own
Clients hold participation interests in real operating companies and assets.
We make business ownership simple
Ownership
Multi-Business Ownership
A single platform gives clients access to a diversified portfolio of real South African businesses — all managed day-to-day by our team of chartered accountants.
One system
The same model across every business
Whether the asset is a farm, a petrol station or an airline, the system is the same. Clients own real interests; professionals manage the operations; and the returns flow back to members.
Managed
Our chartered accountants run the daily accounting, tax, payroll, compliance and operations.
Earn
Profits, rentals and trading surpluses are consolidated and distributed to members.
Engage
Members track performance and shop inside the ecosystem through the Stratum app.
Asset classes
Businesses and assets available on Stratum
Clients are not limited to one sector. The platform is designed to spread ownership across the everyday industries that South Africans rely on.
Agricultural farms
What you own: The land, infrastructure, livestock, warehousing and trading companies.
How you participate: Rental income from farm and warehouse operations; profit share from livestock, meat and hides; profit share from manufactured products such as furniture and leather goods.
Property developments
What you own: Apartments and the trading stores inside each development — grocery, butchery, fruit and vegetable, liquor, airtime and data kiosks, and more.
How you participate: Rent paid by tenants and profit share from the trading stores.
Franchises
What you own: Multiple franchise interests instead of concentration in a single brand.
How you participate: Consolidated franchise profits paid into members’ accounts, reducing single-franchise risk.
Petrol stations
What you own: Fuel retail sites and their associated convenience retail operations.
How you participate: Fuel-margin and convenience-retail profit participation.
Telecommunications
What you own: Infrastructure and trading interests in telecoms businesses.
How you participate: Revenue share from data, airtime and related services.
Energy
What you own: Energy-generation and energy-retail assets.
How you participate: Income from energy sales and the consumption revenues of stores in the portfolio.
Shoe retail company
What you own: A dedicated footwear retail operation.
How you participate: Trading profit share from retail sales.
Logistics
What you own: Delivery companies, including last-mile operations.
How you participate: Income from contract deliveries and e-commerce fulfilment.
Insurance
What you own: Interests in insurance distribution and underwriting participations where available.
How you participate: Commission and underwriting profit share.
Car dealership
What you own: Vehicle retail and related financing-support operations.
How you participate: Profit share from new and used vehicle sales and ancillary services.
Credit provider
What you own: A regulated credit-lending book.
How you participate: Interest and fee income distributed after provisions and compliance costs.
Azania Air
What you own: A privately owned airline project developed with partners such as Airbus.
How you participate: Profit participation from passenger and cargo operations as the airline scales.
Why it works
Ownership without operational burden
Clients do not need to leave their jobs, learn an industry or manage staff. Our firm acts as the professional manager, so clients can own businesses the same way they would use any other professional service.
Diversification
By owning interests across many sectors, members are not tied to the fortunes of a single business. Farms, retail, logistics and aviation each respond differently to economic conditions.
Professional management
Every company is run by our chartered accountants and appointed operational teams. They keep the books, pay taxes, run payroll, manage suppliers and report back in plain language.
Shared infrastructure
Because the businesses are interlinked, they share customers, suppliers and data. A store owned by members can buy from a farm owned by members, keeping value inside the ecosystem.
Transparent reporting
Members receive regular reports and can follow their contributions, returns and business performance through the Stratum Fintech app.
Important notice
Disclaimers
Please read the following carefully before deciding to participate in any ownership opportunity.
Ownership interests are offered through the Stratum Fintech platform and are subject to availability, regulatory approvals, platform terms and the specific offer documents of each business.
Returns, rentals, profit shares and distributions are not guaranteed. They depend on the trading performance of each business, market conditions, costs and other factors. Past performance of any business or asset class is not indicative of future results.
The descriptions on this page are summaries for information purposes only and do not constitute financial, investment, tax or legal advice. Clients should read the relevant offer documents and, where appropriate, seek independent professional advice before participating.
Luthando Maduna & Co Chartered Accountants provides professional accountancy, tax, advisory and business-management services. It is not a licensed financial-services provider under the Financial Advisory and Intermediary Services Act where that licensing is required for a particular activity.
Participation may involve risk, including the risk of loss of capital. Only participate with funds you can afford to commit for the intended investment horizon.