Loan Product
We understand that small businesses run on cash flow. Our SME financing is structured around your verified revenue cycles — not just a payslip.
Overview
Designed for market traders, shop owners, contractors, service businesses and micro-enterprises with verifiable cash flow. We assess your actual business income to structure a facility that helps you grow without overextending.
Who qualifies?
Applicants should be economically active with a verifiable business operating in Zimbabwe. You do not need a payslip — business bank statements, trading records or documented revenue are used for assessment.
Key benefits
What you need
Having these ready speeds up your application significantly.
Calculator
Indicative only. Final terms are confirmed after verification and approval.
Estimated monthly payment
$0How it works
Apply, verify, assess, receive funds — built to be clear from the first step.
Tell us who you are and what facility you need.
We confirm identity, income and supporting documents.
Affordability is checked around your actual income.
Approved funds are disbursed with terms disclosed upfront.
Civil servants, private sector employees, SME operators, commission-based professionals and asset-backed borrowers may apply if they have verifiable income and meet our affordability requirements.
Yes. Kredibility Finance is a registered credit-only microfinance institution operating under Zimbabwe's Microfinance Act and supervised by the Reserve Bank of Zimbabwe.
Payroll-backed applications are typically decided within 24 hours of receiving complete documentation. SME and asset-backed facilities usually require 48 to 72 hours.
You will need a national ID, proof of income, employer or business confirmation, bank account details and the completed application form.
A payslip is required for payroll-backed and private sector salary loans. SME and asset-backed applicants may use other verifiable income records.
Yes. Complete the online application form and our credit team will contact you to verify details and collect supporting documents.
