Your whole book. One platform. From application to final payment.
Rent 2 is a multi-tenant vehicle rental and rent-to-own finance platform for South African finance providers, combining applications and scoring, e-signed contracts, DebiCheck collections, recovery and telematics in one system. Originate, decide, e-sign, invoice, collect and recover — every agreement from first application to last rand collected.
Built for South African finance compliance
Who Rent 2 is for — and who it is not for
Rent 2 was built for finance providers funding vehicle rental and rent-to-own agreements across a dealer network — the businesses that carry the book risk. Dealer groups, fleet operators and equipment renters who collect monthly fit too. It is not a consumer car-rental marketplace or a CRM-only dealer tool with no finance book.
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.
Integrated with Seriti for finance origination
Route new applications through Seriti's embedded finance application when you want their decisioning — then keep every agreement, payment and recovery on Rent 2. Dual-channel by design: built-in wizard or Seriti, per tenant.
Embedded finance application
Customers complete Seriti’s wizard inside your Rent 2 journey — white-labelled, invitation-only.
Seriti decides
Finance outcomes come from Seriti. Rent 2 records the submission, consent and deal link.
One book afterwards
Approved deals flow into contracts, eSignature, DebiCheck, collections and telematics — same platform.
Everything in one platform
One platform, end to end
Decide with conviction
Invitation-only applications with dual origination: the built-in wizard (OCR, affordability scorecard, third-party credit checks) or Seriti's embedded finance application. Seriti-channel deals are decided by Seriti and tracked in Rent 2; every path keeps an audit trail you can defend.
Contracts that sign themselves
Agreements auto-populate from the application, sign embedded via eSignature, 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. DebiCheck debit orders collect every month and settle straight into your own bank account — never ours. Add Pay Now card payments 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 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 telematics, 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
What is Rent 2?+
Rent 2 is a multi-tenant vehicle rental and rent-to-own finance platform for South African finance providers, combining applications and scoring, e-signed contracts, DebiCheck collections, recovery and telematics in one system.
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 payment, telematics, eSignature and credit-check accounts?+
Yes. You connect your own provider 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.
What is the Seriti integration?+
Rent 2 supports dual-channel origination. Tenants can use the built-in application wizard (scorecard and third-party credit checks) or route new applications through Seriti's embedded finance application. On the Seriti path, Seriti decides the finance outcome; Rent 2 links and tracks the deal, then continues with contracts, eSignature, collections and the rest of the lifecycle. Re-rent of recovered vehicles always stays on the built-in path.
How much does Rent 2 cost?+
Rent 2 is a single plan with everything included — no tiers or per-seat creep. Pricing is quote-based and scales to the size and shape of your book; book a demo and we will send a tailored quote.
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