Cleargroup is a Financial Technology (“Fintec”) group of companies based in South Africa. Our three innovative products - FinYou, eLayby and FCF, enable businesses to service their consumers with alternative payment options as well as secure finance for the business itself. FinYou - is a credit solution, enabling businesses to offer their customers the option to apply for finance to pay for their products or services, without taking on any risk or administration. eLayby - is an electronic layby solution, enabling businesses to offer the option for customers to pay set monthly prepayments for goods and services before delivery. FCF - FinYou Commercial Finance enables businesses to offer the option of commercial finance applications for other businesses interested in their goods/services. FCF also enables companies to apply for various types of commercial finance such as revolving credit loans, working capital, purchase order financing and staff loans.