Build value
Turn study, talent and lived experience into practical, applied capability — not just a certificate.
Turning potential into practical opportunity.
Top-Fin Services (Pty) Ltd is committed to advancing digital financial inclusion, financial literacy and income empowerment — bridging the gap between education and economic participation.
Who we are
A qualification opens a door. Capability walks through it.
Top-Fin exists because too many capable people finish their studies without a clear route into the economy.
We work with students, young people and communities to build the practical capability, evidence and financial confidence that turn what someone already knows into something the economy can pay for — through employment, entrepreneurship or an income stream built alongside their studies.
Our programmes are delivered directly to individuals and in partnership with universities, TVET colleges and organisations, and every one of them is guided by the Top-Fin BUILD Model™.
Our purpose
Don’t just qualify. Build value. Demonstrate value. Create value.
That sentence is our philosophy, and it shapes every session we run and every page of the workbook we publish.
Demonstrate value
Build the portfolio, projects and evidence that let an employer or a client see the capability for themselves.
Create value
Convert that capability into income, financial confidence and a foundation for long-term wealth.
Our approach
One framework behind every programme
The BUILD Model™ is the practical framework created by our founder to help individuals build capability, create value and unlock opportunities. Each of its five parts carries a goal, a guiding principle and a way to measure progress.
B — Banking Convenience
Goal: separate funds. Metric: zero fees and positive interest.
U — Understanding Finances
Goal: financial clarity. Metric: net worth growth.
I — Income Growth
Goal: multiple revenue streams. Metric: monthly income from a hustle.
L — Literacy in Practice
Goal: applied knowledge. Metric: skill implementation.
D — Digital Integration
Goal: automate and leverage. Metric: time saved and client reach.
Applied end to end
The same five steps run through the Pathway, the Lab and every page of the workbook.
Who we serve
Built for people ready to move
Students
Building capability, evidence and income while they study — not after they graduate.
Young people, women & men
Anyone with a skill and no clear route to turning it into a reliable income.
Professionals & entrepreneurs
People packaging existing expertise into services, side income or a business.
Institutions & organisations
Universities, TVET colleges and organisations running the programme for their students or members.
Esnath Hwerengwe
Founder, Top-Fin Services (Pty) Ltd
Our founder
The experience behind the framework
I carried the degree, the title, the skills, and the professional identity yet none of it translated into real wealth. It was only in my late thirties that I finally discovered the principles of wealth-building and financial independence.
Esnath Hwerengwe, in Graduate with Freedom
Esnath Hwerengwe is the Founder of Top-Fin Services (Pty) Ltd, an organisation committed to advancing digital financial inclusion, financial literacy and income empowerment. She holds an MBA in Management Information Systems and a Bachelor of Commerce in Accounting.
She is the creator of the BUILD Model™ and facilitator of the Skill2Income Lab, a practical programme that has supported young people in identifying skills, generating income and laying foundations for long-term wealth. Her work bridges the gap between education and economic participation by transforming potential into practical opportunity.
Driven by a passion for youth development, Esnath is dedicated to helping the next generation break cycles of poverty through informed decision-making, action and financial confidence.
Why clients trust us
Practical work, delivered in the open
Everything below is work already done — on campuses, in community organisations and in print.
UN Global Compact Supporter
Top-Fin participates as a supporter of the United Nations Global Compact.
Delivered on campus
Sessions with the Faculty of ICT at Tshwane University of Technology, including the Girls in Tech programme and the University Hackathons Series.
Working in communities
The Skill2Income Lab has run with the Johannesburg Dream Center NPC, whose CEO reports participants starting micro-businesses.
Published methodology
The BUILD Model™ is set out in full in Graduate with Freedom, published by Bethel Publishing House.
Our impact
What organisations and participants are saying
We received overwhelmingly positive feedback from attendees, many of whom found your presentation informative, engaging, and relevant to their personal and professional development.
Faculty of ICT (FoICT)
University Hackathons Series · Tshwane University of Technology
Several participants have since started small micro-businesses, while others now approach job opportunities with greater confidence and clarity. Her training did not just provide information, it inspired action.
Alicia-Charne Swanepoel
CEO, Johannesburg Dream Center NPC
Featured engagement
Girls in Tech — Faculty of ICT, Tshwane University of Technology
September 2025
Esnath Hwerengwe, Founder of Top-Fin Services, spoke about the impact of technology on financial freedom, highlighting the importance of turning every skill into income and cultivating a mindset that supports long-term wealth creation. Students were encouraged to think innovatively about how they can use their talents to create opportunities and achieve financial independence.
Faculty of ICT, Tshwane University of Technology
Work with us
Ready to build something with your students or your skills?
Tell us who you are working with and we will point you at the right programme.