Foreword from the CEO

"At Bayport, we believe financial wellness is the foundation of dignity and opportunity. Every South African deserves the chance to breathe again - to move from survival to progress. Our mission is not just about reducing debt, but about restoring futures. Through our partnerships with government and employers, we have seen lives change, households stabilise, and communities thrive. We are proud to play our part in building a financially stronger South Africa."

- Alfred Ramosedi, CEO, Bayport South Africa

A fresh start for South Africa's public servants: Bayport leads the way in financial wellness

Indebtedness isn't just a financial challenge - it's a personal crisis that affects families, workplaces, and communities. Across South Africa, many public servants, from teachers and nurses to police officers and clerks, spend more than half of their salaries repaying debt to multiple creditors. The result is stress, absenteeism, and households trapped in survival mode.

Bayport Financial Services understands this reality. Since 2019, Bayport has partnered with government departments and employers to help workers reclaim their income, rebuild their credit, and restore their dignity. Our My Fresh Start programme consolidates listed debts into a single, affordable repayment, reduces monthly instalments, and includes free financial education and personalised money coaching.

The results speak for themselves:
- 11,039 civil now have a structured path to financial wellness.
- 78.7% average reduction in monthly debt instalments.
- R11,223 average increase in disposable income per customer.
- Improved credit scores, opening the door to buying homes and vehicles.

Beyond the numbers are real stories. "Thanks to Bayport, I feel like myself again. I'm no longer just surviving - I can buy food, support my family, and focus on being the teacher my learners deserve." Jaco, schoolteacher. "I never thought I'd get out from under the mashonisas.

Now I can save, pay my bills, and even think about the future." Lebo, nurse

Industry trends and insights The trend is clear: financial stress in the workplace is a major productivity risk. Employees who are financially well are more engaged, less absent, and better able to focus on their work. Forward-thinking employers and government departments are recognising the need to partner on sustainable solutions - not just to provide relief, but to build long-term financial resilience.

Bayport's approach is to combine immediate debt relief with lasting education. Through our 12-module financial literacy programme and personalised coaching, we help South Africans change money behaviours and avoid falling back into the debt trap.

Priority listing
Partnering with Government to build financially resilient public servants

Bayport partners with government departments to reduce employee indebtedness, improve take-home pay, and provide ongoing financial education. Our My Fresh Start solution is proven to reduce absenteeism, improve workplace morale, and strengthen financial resilience for public servants.

Why choose Bayport?
- Debt consolidation plus free financial education and a personal money coach.
- Trusted partner to both public and private employers.
- No upfront fees.

The results speak for themselves:
- 11,039 civil now have a structured path to financial wellness.
- 78.7% average reduction in monthly debt instalments.
- R11,223 average increase in disposable income per customer.
- Improved credit scores, opening the door to buying homes and vehicles.