Own
Clients hold participation interests in real operating companies and assets.
Luthando Maduna & Co
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 matched to their interests, structured by our team of chartered accountants and managed day-to-day with support from the banks we work with, Standard Bank and/or FNB.
Our role is to decode complex opportunities and translate them into clear business cases. We match each client’s profile and goals with suitable assets, then design the ownership structure, governance and reporting framework that protects members and supports sustainable returns.
Every opportunity is overseen by competent professional teams — chartered accountants, tax specialists, compliance officers and operating managers — so members can participate with confidence, knowing the business is run on sound principles and transparent reporting.
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. We identify the opportunity, structure the ownership model with the banks we work with, Standard Bank and/or FNB, place competent management teams and ensure 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.
How We Work
A clear path from consultation to ownership
We help clients understand the model, match their interests to the right opportunities, structure the business case and register as SAMBO members on the Stratum platform.
Book a consultation
Meet our team to discuss your goals and interests. We explain how multi-business ownership works and identify opportunities that fit your profile.
Review the structured opportunity
We present a clear business case, ownership structure and risk disclosure developed with the banks we work with, Standard Bank and/or FNB, so you can make an informed decision before participating.
Register on Stratum
Join the Stratum platform and become part of the SAMBO member community from R250 per month, with professional teams managing operations on your behalf.
Proposed opportunities
Launched in stages through the Stratum Platform
The businesses and assets described on this page are proposed opportunities. They are not all trading yet, and each will be launched in stages as the SAMBO network grows, agreements are finalised and the necessary regulatory, banking and corporate structures are put in place.
Our role as chartered accountants is to identify suitable opportunities, structure the ownership model with the banks we work with, Standard Bank and/or FNB, appoint competent management teams and ensure that members receive transparent reporting at every stage.
Once operating, SAMBO members will be able to shop from the businesses they own and access services such as booking flights directly through the Stratum Platform. Every transaction contributes to demand data that helps the network expand and brings new Mini Complexes and assets closer to launch.
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 proposed privately owned airline project based on an agreement with a supplier who has offered to assist with a future airline owned by SAMBO members.
How you participate: Long-term profit participation from passenger and cargo operations if the project proceeds; members would also be able to book flights through the Stratum Platform.
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.