Visionary
The objectives of the advice.
Hectare Capital & Partners (Pty) Ltd
Advisory built for economic capability.
A multi-disciplinary advisory firm bringing investment, legal, fiduciary and risk thinking into a clearer path toward financial wellness and economic emancipation.
Company registration 2005/036145/07FSP 34717Somerset West, South Africa
01 / COMPANY
ABOUT HECTARE CAPITAL & PARTNERS
Hectare Capital & Partners (PTY) Ltd.
Hectare Capital & Partners Pty (Ltd) is a multi-disciplinary financial advisory and development finance practice led by esteemed black professionals. Its identity is anchored in its name—referencing the hectare, a fundamental unit of land measurement and a vital asset for generational wealth creation. Driven by a mission to enhance the economic capability of South Africans in their pursuit of economic emancipation, Hectare Capital addresses structural inequality and traditional banking barriers. The firm empowers Previously Disadvantaged Individuals (PDIs), emerging developers, and local entrepreneurs to procure land and develop commercial real estate across rural areas, townships, and secondary economies.
Moving beyond transactional product sales, Hectare Capital delivers client-centric solutions tailored to specific objectives, risk profiles, and financial realities. The practice operates a disciplined four-stage advisory process—moving seamlessly from Visionary intent and financial Construction to active Execution and transparent Administration. Its advisory portfolio spans Institutional and Retail Investments, Wealth Management, Investment and Estate Planning, Risk & Fiduciary Services, Administration, and Deceased Estates and Conveyancing—integrating financial engineering, legal structuring, and risk governance into a coherent, single-mandate advisory relationship.
Financial wellness should be easier to understand, easier to act on and available to those who have traditionally felt distant from advisory services.
02 / SERVICES
Advisory capabilities
Advice shaped around objectives, risk and real life.
Advice designed around objectives, risk profile and the realities of each client’s financial position.
01Institutional Investment
Strategic partnerships with corporates and state entities, supported by research, portfolio construction, ongoing observation and review against the client mandate.
02Retail Investments
Private-client investment planning with a focus on long-term objectives, suitable portfolio construction and disciplined financial planning.
03Wealth Management
Integrated support for investment planning, retirement objectives, estate planning, risk covers, income protection and wills.
04Investment Planning
Accessible investment thinking for education, retirement and family-home objectives, supported by financial discipline and appropriate product selection.
05Estate Planning
Planning for wealth preservation and transfer, including wills, estate plans and trust-establishment considerations.
06Risk, Cover & Fiduciary Services
Advice across death, funeral and disability cover, occupational cover and income protection, aligned to broader financial priorities.
07Administration
A deliberate focus on simplifying processes, making complex decisions easier to follow and easier for clients to understand.
08Deceased Estates and Conveyancing
We offer transparent, estate administration, handling all legal requirements from reporting the estate to the Master, managing assets,pull,track & trace funds, to distributing the estate to beneficiaries
03 / APPROACH
From intent to execution
A disciplined advisory process from intent to administration.
Construction
The design of the advice.
Execution
The application of the advice.
Administration
A seamless, understandable process.
04 / OPPORTUNITY
Independent advice
A clearer path through complex financial decisions.
Co-ordinated financial decisions
Source material identifies a need for sophisticated, lower-cost investment solutions and a more coherent view across policies, investments, retirement annuities, risk and fiduciary planning.
Open-ended solutions
Hectare’s positioning favours solutions that can respond as circumstances change, rather than time-locked arrangements that can introduce restructuring penalties.
Independent perspective
An independent advisory house with relationships across the financial-services industry, intended to help clients assess risk and investment decisions in context.
Marketing & distribution
The business is positioned as a multi-disciplinary financial advisory solutions provider, with financial wellbeing and economic capability at the centre of the proposition.
05 / LEADERSHIP
The people behind the work
Leadership grounded in finance, legal and compliance expertise.
Lerato Ramathibela
Managing Director and Head of Finance and Accounting
Refilwe Lefakane
Managing Director and Head of Legal and Compliance
Hope Mofaro
Key Individual and Compliance Officer
Mpho Malgas
Administration Officer
Clive Ramathibela-Smith
Managing Partner. South African-born and UK-educated market analyst and economic commentator. His career includes Sasfin Bank, Momentum Asset Managers, Inkunzi Wealth Management, Discovery Invest and Vunani Capital.
In 2015, he established Clivera Consulting, focused on economic policy and the empowerment of SMMEs and black-owned businesses. He continues to work with finance development agencies to unlock local economic potential and expand rural and township development.
Clive has partnered with the Department of Agriculture and Druids Garden on the Insangu Yokkahlamba medicinal hemp and cannabis project, working with traditional leaders and communities. He has contributed economic commentary across South African radio platforms.
06 / PORTFOLIO
Projects and references
Selected portfolio projects, partnerships and engagement references.
Selected full profiles, project references, partnership references and engagement references. The labels identify the nature of each relationship and do not imply ownership by Hectare.
Full profileAkani Retirement Fund Administrators Full profileAkani Wealth Management Full profileDitlamelo Umbrella Fund Full profileREGIVE Capital Full profileMAKIYA Energy & Mobility Full profileSigeo Holdings Project referenceAkani Life Partnership referenceInsangu Yokkahlamba Partnership referenceSANTACO Partnership referenceSAGOL Engagement referenceRural & township development Project referenceSoweto City
Full profileWezi Financial Solutions
Full profileAdviceworx
Full profileOtto1890
Full profile / Financial services
Akani Retirement Fund Administrators
Established in 2001, Akani is a proudly South African financial services company with a Southern African footprint and ambitions to be a pan-African player. It has evolved into one of the largest black-owned and managed retirement fund administrators in Southern Africa.
R25 BillionAUA
55 000+Lives covered
100+Employees
40+ yearsKey-person experience
Licensing and contact reference
Akani is licensed as a private company registered in terms of the Companies Act, 1973; authorised under Section 13B for retirement fund administration services; and licensed under FAIS to provide financial intermediary services.
7 Disa Road, Extension 8, Kempton Park, 1620
Tel: +27 11 578 5333
pension@akafin.co.za
www.akafin.co.za
Full profile / Wealth & investment
Akani Wealth Management
A multidisciplinary financial advisory hub and subsidiary of Akani Retirement Fund Administrators. Its positioning is that it does not sell products; it creates solutions.
Services and portfolio reference
Services include institutional investments, retail advisory, investment and estate planning, death, funeral and disability cover, occupational cover, income protection, wills and health/hospital cover. Source material references the Akani High Equity Fund Portfolio, Akani Moderate Fund Portfolio, Akani Passive Income Portfolio and the APIP Life Stage retirement solution.
Full profile / Investor discussion
Ditlamelo Umbrella Pension & Provident Fund
A proposed multi-employer retirement solution supported by Hectare Capital & Partners, designed around cost efficiency through scale, institutional-grade access, governance and Regulation 28-aligned portfolio structures.
Confidential — for investor discussion purposes only.
Structure and projections
Source material sets out Institutional Core, Hybrid Alpha and Alternative Growth models; an initial capital-raise requirement of R2 million–R20 million; and high-level projections of 500–1,000 members and R50m–R150m AUM in year one, 5,000+ members and R500m–R1bn AUM in year three, and 15,000+ members with R2bn+ AUM in year five.
Full profile / Investment management
REGIVE Capital
REGIVE Capital is an authorised financial services provider, FSP no. 50522, and a pan-African multimanager offering discretionary investment management and advisory services focused on absolute return, private equity, private debt and structured products.
100%Black owned & managed
4Employees
R150mAUM + AUA
Products, timeline and contact
Timeline: establishment in 2018; FSCA licence application in 2019; FSP licence in June 2020; first value-add advisory client in July 2020; first structured-product client in November 2020. Contact: Fancourt Office Park, Building 4, 9 Felstead Road, Northriding, 2162 · +27 10 476 0775 · info@regive.africa.
Full profile / Investment management
Wezi Financial Solutions
Hectare Capital & Partners, led by Senior Executive Partner Clive Ramathibela-Smith, has partnered with Wezi Financial Advisors (FSP No: 44075) to deliver comprehensive, end-to-end development finance and wealth protection solutions across South Africa’s rural and township economies. By combining Hectare Capital’s specialized Impact Loans and Mezzanine Finance—designed to help Previously Disadvantaged Individuals (PDIs) acquire property and fund local developments—with Wezi’s FSCA-accredited advisory, healthcare, and insurance services compliant with the FAIS Act of 2002, this strategic alliance bridges critical funding gaps while safeguarding newly acquired real estate and commercial assets for long-term regional economic growth.
100%Black owned & managed
15Years of Experience
Products, timeline and contact
With over 15 years of industry experience, Wezi Financial Services (FSP No: 44075) is an accredited financial service provider delivering comprehensive insurance, investment, and wealth advisory solutions tailored for corporate, institutional, and individual clients. In strategic partnership with Hectare Capital & Partners, Wezi Financial Services supports rural and township development initiatives by offering robust risk management, commercial short-term cover (including agricultural, engineering, and fleet insurance), and specialized employee benefits such as pension funds and group healthcare. From corporate business planning—encompassing key-person insurance and fiduciary services—to holistic individual financial planning, life cover, and estate management, Wezi Financial Services ensures that newly acquired land, commercial properties, and growing enterprises operate within fully compliant, risk-mitigated financial frameworks.info@wezifin.co.za.
Full profile / Investment management
Adviceworx
Through a strategic partnership with Adviceworx (FSP No: 44914), Hectare Capital & Partners integrates high-impact regional property development with a grounded, scientific approach to wealth growth and preservation. While Hectare Capital drives structural empowerment by unlocking land procurement and capital access for Previously Disadvantaged Individuals (PDIs) in rural and township areas, Adviceworx provides the evidence-based investment frameworks, endorsed advice solutions, and risk management required to safeguard and compound that newly created real estate value over the long term.
230Employees
13Years of Service
Products, timeline and contact
By bridging the gap between grassroots property financing and institutional-grade portfolio management, this collaboration delivers an end-to-end ecosystem for sustainable asset creation. Beneficiaries of Hectare Capital’s Impact Loans and Mezzanine Finance gain direct access to Adviceworx’s nationwide network of advisory professionals, ensuring that property acquisitions and local enterprise ventures are backed by objective financial planning, structured risk mitigation, and disciplined wealth management strategiesservice@adviceworx.co.za.
Full profile / Investment management
Otto1890
Hectare Capital & Partners has forged a strategic partnership with Otto1890 (formerly Sasfin Wealth), a prominent wealth and asset management firm with a heritage dating back to 1890 and over R100 billion in assets under management. This alliance bridges Hectare Capital’s specialized grassroots initiatives—focused on land acquisition, real estate procurement, and property development for Previously Disadvantaged Individuals (PDIs) in rural and township markets—with Otto1890’s institutional-grade asset management, wealth preservation structures, and sophisticated investment capabilities.
Over R100bnin AUM
Otto1890 (formerly Sasfin Wealth)
Strategic Partnershiip
By aligning Hectare Capital’s Impact Loans and Mezzanine Finance solutions with Otto1890’s deep capital markets expertise and multi-strategy income frameworks, the partnership delivers a seamless financial ecosystem. Emerging developers, real estate entrepreneurs, and community enterprises gain direct access to robust wealth management, tailored funding models, and capital allocation strategies—ensuring that property acquisitions and regional developments in underserved economies are backed by institutional stability, rigorous governance, and long-term economic growth.info@otto1890.com.
Full profile / Energy & mobility
MAKIYA Energy & Mobility Solutions
MAKIYA is a multi-energy and smart mobility solutions provider integrating fuel management, renewable energy, EV charging infrastructure and intelligent mobility services.
Services and contact
Source-backed services include fuelling, EV solutions, alternative energy, logistics, fleet tracking, digital transformation and reporting, environmental services, support and maintenance. MAKIYA describes work across fuel management, charging, CNG, hydrogen in mining, procurement, logistics, emissions monitoring and fleet analytics.
4th Floor, West Tower, Nelson Mandela Square, Maude Street, Sandton · 010 017 0610 · info@makiya.co.za
Full profile / Mining & resources
Sigeo Holdings
Member of SITHEMBA COAL; 100% black-owned and managed; 14 years in existence; asset value more than R130m; and a team with more than 60 years’ industry experience.
Operations and contact
Sigeo provides mining, processing and beneficiation, mineral marketing and value-chain logistics from pit to port. Source references include Wakefield Colliery, Zaaihoek & Schoonland, Mooifontein/Mooiplaats Colliery and Mbali Colliery Coal Processing. Primary minerals include coal, chrome, manganese/copper, iron ore, aggregates and industrial minerals.
Sigeo House, Unit 6B, Cedar Office Estate, Distinkwood Close, Fourways · 012 945 9009 · info@sigeo.co.za
Project reference / Impact & just transition
Akani Life
Akani Life is described in source material as a specialised impact fund and digital marketplace based in South Africa, dedicated to a “JUST” economic, energy and environmental transition for marginalised people and small business in Africa.
Four strategic pillars
Digital Ecosystem: membership, financial services, member benefits, e-vending and peer-to-peer services. Retail Distribution: national distribution, marketing, warranties, revenue share and rewards. Financial Model: impact investment, risk-adjusted micro-finance, insurance and savings. Impact Methodology: impact strategy, measurement, reporting and certification.
Partnership reference
Insangu Yokhahlamba
Clive Ramathibela partnered with the Department of Agriculture and indigenous medicinal company Druids Garden on the Medicinal Hemp and Cannabis Project, working with traditional leaders and communities to create a well-organised cannabis and hemp industry for their respective communities.
Partnership reference
SANTACO
Akani Wealth Management was appointed as Service and Benefit Consultants to the South African National Taxi Council, effective 1 July 2024 for a three-year term ending 30 June 2027.
Appointment scope
The appointment includes finalising proposed benefits and platform transition, member transition support, benefits advisory committee establishment, reporting and analysis, regulatory/legal sector reviews, committee participation and member education programmes.
Partnership reference
South African Gallery of Legends
SAGOL is a national heritage, arts, culture and sports development institution based at Freedom Park in Tshwane. Source material identifies NPO 247-378 and PBO 93009198 with Section 18A status.
Reference context
SAGOL signed an MOU with SANParks for youth empowerment, sports development and community upliftment programmes across 21 national parks. This is a partnership/reference, not a Hectare-owned initiative.
Engagement reference
Rural and township development
Hectare Capital & Partners, led by Senior Executive Partner Clive Ramathibela-Smith, offers development finance and investment advisory firm dedicated to revitalizing South Africa’s rural and township economies. To overcome traditional commercial banking barriers and legacy land tenure constraints, the practice offers specialized Impact Loans that empower Previously Disadvantaged Individuals (PDIs) to acquire land and procure real estate in underserved communities. Supported by strategic partnerships with finance development agencies, Hectare Capital also deploys flexible Mezzanine Finance solutions to bridge critical funding gaps, helping unlock local economic potential and drive inclusive regional growth.
Project reference
Soweto City Group
Source material describes an integrated strategic and transformation roadmap for a family-run electrical wholesaling operation transitioning toward a diversified energy and electrical wholesaling group, with gas expansion and digital accountability systems.
Reference detail
The roadmap references core electrical wholesale operations, Soweto City Energy Solutions, Soweto City Sparks and a digital operational layer intended to support inventory controls, lead management and accountable reporting. This is a project reference and does not represent an audited Hectare outcome.
07 / IMPACT
Development lens
Investment and development through a just-transition lens.
Investment, mobility, energy access, skills and local economic opportunity are considered through a development lens.
Akani Life: building together toward sustainable impact
Source material positions Akani Life around a digital impact map, retail distribution, impact-weighted investment and impact measurement. Its concept references virtual services, physical products in an energy phase, risk mitigation, mobile community and mobile learning pathways.
01 / Digital ecosystemMembership, services, benefits and peer-to-peer activity.
02 / Retail distributionDistribution, marketing, warranties, revenue share and rewards.
03 / Financial modelImpact investment, savings, insurance and risk-adjusted micro-finance.
04 / MethodologyImpact strategy, measurement, reporting and certification.
External context: The South African Just Energy Transition Implementation Plan is a government-led national framework. It is referenced here solely as external context for the wider energy, mobility, skills and economic-development landscape; it is not Hectare-owned work.
08 / CONTACT
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