Your whole book. One platform. From application to final payment.
Originate, decide, e-sign, invoice, collect and recover — every rental and rent-to-own agreement in one system, from the first application to the last rand collected. Built for the finance providers who carry the risk.
Built for South African finance compliance
Connected to the rails you already run
Built for finance providers. Open to anyone who rents.
Rent 2 was built for the businesses that carry the risk — finance providers funding vehicle rental and rent-to-own agreements across a network of dealers. But every rental runs on the same rails: sign the agreement, collect each month, protect the asset. So if you're a dealer group, a fleet operator, or renting out something else entirely, it fits you too.
How it works
One agreement, one system — start to finish
Where the money is made or lost
Collections intelligence, not just collections
Anyone can send a reminder and trigger a repo. The back end of the book is where the margin lives — so Rent 2 measures it. What cures, what it costs, where the asset is, how strong your recovery network is, and what the book is actually worth — answers a credit committee or a funder can trace, not estimates.
See what cures — and what it costs
Roll rates and cohort cure curves from a state-transition ledger, not a single-day snapshot: what share of each arrears cohort cured within 30 / 60 / 90 days, and which action did it. Paired with cost-to-collect, you get cost-per-cured-rand against cost-per-recovered-rand — so you collect where it pays.
Asset visibility, turned into action
A live percentage-of-fleet-pinged headline, an at-risk map, and geofence breaches that don't just log — on a defaulting account they can open and advance a recovery case (human-gated, default off). The collateral behind every rand stays in view, and movement becomes a workflow.
A recovery network you can measure
Every agency scored on recovery rate, days-to-recover and cost-per-recovery, broken down by make and region — with a best-agency-for-the-region suggestion at assignment time. The network stops being a phone list and becomes a measured asset on your balance sheet.
On-balance-sheet Book NAV, with the audit trail
A double-entry customer ledger posts on every invoice, payment, fee and write-off, so balances reconcile instead of being summed ad-hoc. A nightly provisioning run derives an ECL, and a Book NAV headline plus per-deal 360 give you a net asset value a funder or auditor can trace entry by entry.
Recover, refurbish, re-rent — without leaving the platform
Returned stock lands on a redeploy board with a redeploy-vs-dispose recommendation and each unit's lifetime P&L. Put it back to work through the same intake and scorecard your first deal ran on, and keep one vehicle's whole story — every deal, cost and rand — on a single asset ledger.
Workouts that don't break the audit trail
Structured hardship — declare, assess affordability, time-box, auto-resume — pauses the collections ladder without a manual hold, and a workout is never mistaken for a cure. Refurb checklists gate remarketing. Every transition is reason-coded, so the story of each account holds up to a regulator.
Everything in one platform
One platform, end to end
Decide with conviction
Invitation-only applications, OCR document capture, a configurable affordability and risk scorecard, and credit-bureau checks — so every approve, decline or refer is backed by the numbers and an audit trail you can defend.
Contracts that sign themselves
Agreements auto-populate from the application, sign embedded via Firma, and track the NCA 5-day cooling-off period for you. Set rent-to-own and purchase schedules from 6 to 36 months — no Word templates, no chasing signatures.
Money in, on time, to your account
SARS-compliant invoices generate themselves. NetCash DebiCheck debit orders collect every month and settle straight into your own bank account — never ours. Add Pay Now card and instant-EFT for catch-ups; reminders go by SMS, email and WhatsApp.
Arrears chase themselves — and you measure the cure
Arrears → default → demand letter runs on autopilot, with retry rules you control, while a cure funnel tracks what actually recovers an account and what it costs. When a deal can't be saved, trigger repossession with CarTrack geofencing armed and route it to your best-scored recovery agency.
Always know where the asset is
Live vehicle positions and geofence-breach alerts via CarTrack, plus lifecycle reminders for licence, roadworthy and service. The collateral behind every agreement stays in view.
One book. Your whole dealer network.
Give each dealer a scoped seat onto their own deals. Approve payouts and disbursements with maker-checker control. Handle early settlements and exits in a purpose-built suite — all on isolated, per-tenant infrastructure (Postgres RLS, encrypted credentials, REST API and webhooks).
Security & compliance
Bank-grade security, built in — not bolted on
You're trusting us with ID numbers, income and banking detail. The platform is architected to the control frameworks your auditors and funders expect — and the hard parts (encryption, isolation, audit) are already shipped, not roadmap.
Controls mapped to ISO/IEC 27001:2022 Annex A and the SOC 2 Trust Services Criteria, and built to the OWASP Top 10. Audit-ready — formal certification follows go-live.
Encrypted end to end
ID numbers, income and banking are AES-256-GCM field-encrypted at rest — on top of full-disk encryption — and stay searchable via a blind index. TLS 1.2+ with HSTS in transit.
Your book, isolated
Every query and action is tenant-scoped and access-guarded, and integration credentials are encrypted per tenant. A dealer-side PII firewall is proven by automated tests — nothing is co-mingled.
Every action audited
Actor, IP and before/after on every sensitive action; automated decisions are reason-coded and version-pinned — a trail you can defend to a regulator.
Hardened by design
SSRF defence with DNS-rebinding protection, signature-verified webhooks, parameterized queries, PII-scrubbed error reporting and a content-security policy. Zero critical or high dependency vulnerabilities.
POPIA, operationalised
Data-subject-request queue with a 30-day statutory clock, consent ledger, right-to-erasure, breach register, and §71 human-review on every automated decision.
Proven, not promised
1,000+ automated tests including security regression guards — every fix ships with a test that locks that class of bug out for good.
Straight answers
The questions finance teams actually ask
Whose bank account do payments settle to?+
Your own. Debit orders run through your NetCash profile and settle directly into your account — never ours.
Is my book isolated from other lenders on the platform?+
Yes. Every tenant is isolated at the database level with Postgres row-level security, and credentials are encrypted per tenant. Nothing is co-mingled.
Do I keep my own NetCash, CarTrack, Firma and bureau accounts?+
Yes. You connect your own credentials, so your contracts, rates and relationships stay yours.
Where do signed agreements live?+
In your own tenant storage. The signed PDF is removed from the signing provider once complete, for POPIA hygiene.
Can I start with only part of the lifecycle?+
Yes. Switch on the modules you need today and add the rest as your book grows.
How do I know what my book is actually worth?+
A double-entry ledger posts on every invoice, payment, fee and write-off, a nightly run derives an expected-credit-loss provision, and a Book NAV headline plus per-deal 360 give you a net asset value you can trace entry by entry — defensible to a funder or auditor.
How long does onboarding take?+
We scope that with you in the demo — it depends on your book size and which integrations you connect.
See it run on a book like yours.
Book a 30-minute demo. We'll walk the full agreement lifecycle on realistic data, then map it to exactly how your book works today.
Book your demo