Business loans
Funding for traders, SMEs and contractors — structured around your trading cycle.
- Order financing
- Working capital
Smart finance, brighter future
Registered credit-only microfinance
Loans in Zimbabwe from a microfinance partner you can rely on.
Business loans, personal loans and salary based loans for individuals and SMEs in Harare and across Zimbabwe — quick approvals, low interest rates and flexible payment terms. Apply online or call us today.
- 48hrs
- Average decision
- 6,000+
- Clients served
- 3
- Core services
Our loan services
Business, personal and salary based loans
Three core loan services with focused sub-products — order financing, working capital, school fees, medical, asset financing and salary based credit for civil servants and private sector employees.
Personal loans
Personal facilities for the things that cannot wait — school, health and assets.
- School fees
- Medical loans
- Asset financing
Quick approvals, low interest
Salary based loans
Affordable credit for employed clients, repaid conveniently from your salary.
- Civil servant loans
- Private sector loans
Flexible payment terms
Why borrowers across Zimbabwe choose Microwise Finance
Quick approvals
Complete applications are assessed and answered within two working days.
Registered and regulated
A licensed credit-only microfinance institution operating under strict compliance.
Low interest, no surprises
One clear rate with flexible payment terms. No hidden charges or deductions.
A relationship, not a queue
A dedicated loan officer who understands your goals, not just your paperwork.
How to apply for a loan in three steps
- 01
Apply
Submit your details, ID, proof of income or business records.
- 02
Assessment
A loan officer reviews affordability and confirms your requirements.
- 03
Disbursement
Approved funds are released and your repayment schedule is agreed.
Start your loan application
Or speak to a loan officer on +263 718 889 453.
Testimonials
What our clients say
Real stories from business owners, employees and families we have funded across Zimbabwe.
“Microwise financed my order for a big supply contract when no one else would look at it. I delivered on time and the business has never looked back.”
“My son's fees were due in three days. I applied on Monday and the school was paid before the week ended. Very respectful people.”
“The repayments come off my salary and I always know exactly what is left. One clear rate, no hidden deductions.”
“I needed a vehicle for my deliveries. Microwise structured the asset finance around my monthly income and I got the keys within days.”
Let's grow together.
Speak to a loan officer today and get an indicative offer before you submit a single document.