Zimnat Microfinance is a leading financial institution with a strong presence in Zimbabwe. Our mission is to provide access to finance to individuals and small businesses who are underserved by traditional banks. We are committed to delivering exceptional financial services to help our clients achieve their financial goals.

With operations across the length and breadth of Zimbabwe, Zimnat Microfinance offers a range of financial products that cater to the unique needs of our clients. Our product range includes affordable personal loans and business loans.

We boast of a strong team of dedicated professionals who work tirelessly to make life better by making financial services more accessible, inclusive, and transparent for our clients. We believe in building strong relationships with our clients by providing personalized and convenient financial solutions that meet their unique needs.

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At Zimnat Microfinance, we understand that access to finance can be a daunting prospect for many individuals and companies in Zimbabwe. That’s why we have developed a fast-growing microfinance solution that is designed to provide transparent, honest and fair financing solutions to help our clients achieve their financial goals.

Our microfinance solution is built on a philosophy that emphasizes the importance of financial responsibility and making the most out of the resources available. We believe that it’s not money that matters, but rather how you use it that determines its true value. That’s why our microfinance solution is designed to empower our clients with the knowledge and tools they need to make informed decisions about their finances, and to help them grow their wealth and create a sustainable asset base.

Whether you are an individual looking to start a small business, or a company seeking to expand your operations, our microfinance solution can provide you with the support you need to achieve your goals. We offer a range of flexible financing options, tailored to meet the specific needs of our clients, and with transparent terms and conditions that are easy to understand.

At Zimnat Microfinance, we are committed to providing our clients with the highest levels of service and support, and we work closely with our clients to understand their needs and develop tailored solutions that meet their unique requirements. Our team of experienced professionals is always on hand to provide guidance and advice, and we pride ourselves on our ability to build long-lasting relationships with our clients.

Our commitment to make life better for all our stakeholders by delivering value hinged on the following principles, empathy, partnership, sustainability, empowerment and integrity means that you can trust us to help you achieve your financial goals.

In 2011, Zimnat Financial Services was established as a wholly owned subsidiary of Zimnat Life Assurance, in accordance with the Zimbabwe Companies Act [Chapter: 24:03]. The company was established with the primary objective of offering financial loans to individuals and businesses in Zimbabwe, and was therefore registered as a Microfinance Institution under the Microfinance Act [Chapter 24:29].

The establishment of Zimnat Microfinance was a strategic move that reflected Zimnat’s unwavering commitment to expanding its portfolio of financial services and meeting the diverse needs of its clients. The company’s focus on microfinancing was a timely and necessary move that helped address the financial exclusion faced by many individuals and businesses in Zimbabwe, who were often overlooked by traditional banks.

Since its inception, Zimnat Microfinance has grown to become a leading player in Zimbabwe’s financial sector, offering a wide range of affordable microfinancing solutions and services that are designed to help individuals and businesses achieve their financial goals.

Our microfinancing solutions are tailored to meet the unique needs of our clients, and our commitment to providing personalized financial services has helped us build a strong reputation for excellence and customer satisfaction.

Zimnat Microfinance has grown in leaps and bounces to be ranked as the 3rd largest Microfinancier on loan book size in Zimbabwe according to the 2022 ZAMFI annual industry reports.

Lloyd Borerwe

Tawanda Mpoperi

Gift Shonhiwa

1000

Loans Originated

56789

Loans Disbursed

28653

Active Customers

48

Female Customers

Personal Loans

As an esteemed member of the financial industry, Zimnat Microfinance is committed to providing clients with exceptional financial services and ensuring that their financial needs are met. One of the many benefits of Zimnat Microfinance is that they offer consumer loans that can help people improve their personal possessions or enhance their property base through an unsecured loan. This type of loan is a payroll-based short-term credit facility that is available to all formally employed individuals, regardless of their income level.

At Zimnat Microfinance, we understand that our clients have different financial needs and obligations. As such, our consumer loans can be used at the discretion of the borrower, for anything they might require. Whether you need funds for your child’s school fees, emergency loans for funeral or medical bills, or even for household asset financing like cars and furniture, our consumer loans have got you covered. For those in the agricultural sector, our consumer loans can also be used for inputs to improve your farming business. Additionally, if you’re a business owner, our consumer loans can help you with working capital, expansion, and even start-up costs for ventures like poultry, peanut butter or candle-making. Our consumer loans can also help you finance social functions like lobola, weddings, or even holiday loans for that much-needed break. Furthermore, our loans can also be used to improve your home by financing durawalls, pavements, extensions, boreholes, generators, and even debt consolidation.

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Corporate

At Zimnat Microfinance, we understand the critical role that SMEs and MSMEs play in driving economic growth and creating jobs in Zimbabwe.

That is why we are committed to empowering these businesses with the financial solutions they need to succeed. We believe that every SME and MSME has unique financing needs that require tailored solutions. That is why we offer a range of business-specific financing solutions that are designed to meet the specific needs of each business.

Whether you need working capital loans, order financing, invoice discounting, or other microfinancing solutions, we have the expertise and experience to help you achieve your financial goals.

Working Capital Loans

Our working capital loans are a short-term credit facility that provides SMEs with the necessary capital to fund their day-to-day operations. This type of financing is ideal for SMEs that require funding to purchase raw materials, pay suppliers, or cover other operational expenses. Our working capital loans are unsecured, meaning that SMEs do not need to provide collateral to secure the loan. At Zimnat Microfinance, we understand that access to finance is critical to the success of SMEs. That’s why our working capital loans are designed to be quick and easy to access, with a simple application process that requires minimal documentation. Our loans are also affordable, with flexible repayment terms that are tailored to the unique needs of each SME.

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Invoice Discounting

We understand that SMEs face a range of financial challenges that can impact their ability to grow and succeed. One of the most common challenges that SMEs face is managing cash flow. This is especially true for SMEs that operate in industries where long payment terms are the norm. Delayed payments can impact an SME’s ability to meet its financial obligations and invest in its operations. That’s why we offer invoice discounting financing to SMEs. Invoice discounting is a type of short-term financing that allows SMEs to access the cash tied up in their outstanding invoices before they are due for payment.

This type of financing is ideal for SMEs that have outstanding invoices from reputable customers but need cash to fund their day-to-day operations. With Zimnat Microfinance’s invoice discounting financing, SMEs can access up to 80% of the value of their outstanding invoices. This allows SMEs to unlock the cash they need to invest in their operations and meet their financial obligations, without having to wait for payment from their customers.

Our invoice discounting financing is quick and easy to access, with a simple application process that requires minimal documentation. We work closely with SMEs to understand their unique financial needs and tailor our financing solutions to meet those needs. We also offer competitive rates and flexible repayment terms, making our invoice discounting financing an affordable and accessible financing option for SMEs.

Order Financing

We are committed to providing SMEs with the financial solutions they need to succeed. One of the financing solutions we offer is order financing, which is designed to help SMEs fulfill customer orders and grow their businesses. Order financing is a type of short-term financing that provides SMEs with the cash they need to fulfill customer orders. This type of financing is ideal for SMEs that operate in industries where long payment terms are the norm, and who need cash to purchase inventory or raw materials to fulfill orders. With order financing from Zimnat Microfinance, SMEs can access up to 80% of the value of their customer orders, which can be used to purchase the goods or services needed to fulfill those orders.

Our order financing is quick and easy to access, with a simple application process that requires minimal documentation. We work closely with SMEs to understand their unique financial needs and tailor our financing solutions to meet those needs. We also offer competitive rates and flexible repayment terms, making our order financing an affordable and accessible financing option for SMEs.

In addition to providing financing for customer orders, our order financing solution also provides SMEs with the opportunity to improve their cash flow and strengthen their relationships with their customers. By providing SMEs with the cash they need to fulfill orders on time, our order financing solution can help SMEs build a reputation for reliability and dependability in their industry.

Working Capital Loans

Our working capital loans are a short-term credit facility that provides SMEs with the necessary capital to fund their day-to-day operations. This type of financing is ideal for SMEs that require funding to purchase raw materials, pay suppliers, or cover other operational expenses. Our working capital loans are unsecured, meaning that SMEs do not need to provide collateral to secure the loan. At Zimnat Microfinance, we understand that access to finance is critical to the success of SMEs. That’s why our working capital loans are designed to be quick and easy to access, with a simple application process that requires minimal documentation. Our loans are also affordable, with flexible repayment terms that are tailored to the unique needs of each SME.

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Invoice Discounting

We understand that SMEs face a range of financial challenges that can impact their ability to grow and succeed. One of the most common challenges that SMEs face is managing cash flow. This is especially true for SMEs that operate in industries where long payment terms are the norm. Delayed payments can impact an SME’s ability to meet its financial obligations and invest in its operations. That’s why we offer invoice discounting financing to SMEs. Invoice discounting is a type of short-term financing that allows SMEs to access the cash tied up in their outstanding invoices before they are due for payment.

This type of financing is ideal for SMEs that have outstanding invoices from reputable customers but need cash to fund their day-to-day operations. With Zimnat Microfinance’s invoice discounting financing, SMEs can access up to 80% of the value of their outstanding invoices. This allows SMEs to unlock the cash they need to invest in their operations and meet their financial obligations, without having to wait for payment from their customers.

Our invoice discounting financing is quick and easy to access, with a simple application process that requires minimal documentation. We work closely with SMEs to understand their unique financial needs and tailor our financing solutions to meet those needs. We also offer competitive rates and flexible repayment terms, making our invoice discounting financing an affordable and accessible financing option for SMEs.

Order Financing

We are committed to providing SMEs with the financial solutions they need to succeed. One of the financing solutions we offer is order financing, which is designed to help SMEs fulfill customer orders and grow their businesses. Order financing is a type of short-term financing that provides SMEs with the cash they need to fulfill customer orders. This type of financing is ideal for SMEs that operate in industries where long payment terms are the norm, and who need cash to purchase inventory or raw materials to fulfill orders. With order financing from Zimnat Microfinance, SMEs can access up to 80% of the value of their customer orders, which can be used to purchase the goods or services needed to fulfill those orders.

Our order financing is quick and easy to access, with a simple application process that requires minimal documentation. We work closely with SMEs to understand their unique financial needs and tailor our financing solutions to meet those needs. We also offer competitive rates and flexible repayment terms, making our order financing an affordable and accessible financing option for SMEs.

In addition to providing financing for customer orders, our order financing solution also provides SMEs with the opportunity to improve their cash flow and strengthen their relationships with their customers. By providing SMEs with the cash they need to fulfill orders on time, our order financing solution can help SMEs build a reputation for reliability and dependability in their industry.

Resources

Discover all the necessary information and documents for your life insurance needs in one place with Zimnat General Insurance. Our Resources section offers a variety of useful resources, including brochures, proposal forms, and claim forms, to make your life insurance journey seamless and stress-free. Whether you’re a new policyholder seeking more information or an existing one looking to make a claim, we have everything you need to make your life better. Explore our collection of resources and download what you need today for a worry-free tomorrow.

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ZFS Complaints Handling

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Contact Us

Head Office

Zimnat House, Corner 3rd Street and George Silundika Avenue, Harare, Zimbabwe

Email: customercare@zimnat.co.zw
Toll-free number: 321

Phone: +263 242 701179/80
Whatsapp: +263 772 175 991

Bulawayo Branch

Minerva House, Cnr 14th Avenue & G Silundika Steet, Bulawayo, Zimbabwe

Email: customercare@zimnat.co.zw
Toll-free number: 321

Phone: +263 29 76431-3/ +263 29 880678-9
Whatsapp: +263 772 175 991