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As Zimbabwe pushes forward with its industrialisation agenda under the 2025 Zimbabwe International Trade Fair (ZITF) theme “Industrialisation: Crafting an Integrated Economic Landscape,” Zimnat Microfinance has introduced an innovative financial solution designed to ease the cash flow burdens of small and medium-sized enterprises (SMEs).
The new Invoice Discounting Facility, launched during ZITF 2025, gives SMEs immediate access to working capital by unlocking funds tied up in unpaid invoices. In line with Zimnat’s brand theme, Empowering Prosperity, the facility allows qualifying businesses to receive up to 80% of the value of approved invoices upfront — providing a vital bridge between service delivery and payment.
“For small businesses like mine, cash is usually tied up in stock or delayed payments,” shared one SME owner, popularly known as Mai MaTurkey. “Sometimes I get large wedding-related orders mid-month when I have no liquidity. This facility makes all the difference.”
The offering comes at a critical time when SMEs are increasingly contributing to public procurement, retail supply chains, and services — yet still face significant liquidity constraints due to payment delays.
In an exclusive comment, Lloyd Borerwe, Managing Director of Zimnat Microfinance, noted: “Delayed invoice payments continue to stifle growth for many promising enterprises. With this facility, we are offering more than just capital — we are offering breathing room, resilience, and the confidence to grow. This is what Empowering Prosperity means to us.”
Adding to this, Tatenda Marongwe, Group Marketing Executive for Zimnat, emphasized the role of customer insights in shaping the product:
“This solution was born out of listening to our customers. Many SMEs told us their biggest hurdle was waiting weeks or even months to get paid. By turning that insight into action, we created a solution that meets them where they are — enabling them to keep doing business without the stress of delayed cash flow.”
The facility is designed to be collateral-light and highly accessible, particularly for:
- Contractors working with private sector clients
- Agro-dealers and traders in both formal and informal markets
- Entrepreneurs selling on credit
- Service providers across various industries
By injecting much-needed liquidity into Zimbabwe’s SME ecosystem, Zimnat Microfinance is driving inclusive finance and supporting long-term economic participation.
SME owners are encouraged to visit any Zimnat service centre or contact our customer support team to learn more and apply for the facility today.
About Zimnat Microfinance
Zimnat Financial Services (Private) Limited, trading as Zimnat Microfinance, is registered and regulated by the Reserve Bank of Zimbabwe under the Microfinance Act [Chapter 24:30]. Incorporated in 2011, it provides financial solutions to Zimbabwe’s informal sector and financially underserved communities. Zimnat Microfinance is part of the Zimnat Group — a diversified financial services provider with interests in General Insurance, Life Assurance, Microfinance, and Asset Management. Zimnat is a member of Masawara Holdings and is associated with the Sanlam Group, Africa’s largest non-banking financial services provider.
