Working capital finance

This facility gives loans to finance working capital (typically purchase of stocks or inputs for manufacture of products for sale) for periods of up to one year. Working capital loans can either be in the form of an overdraft facility, or they can be in the form of a term loan. To qualify for this facility, your business must:


  • Be a registered company with relevant licensing.

  • Have management accounts for the past two to three years (where applicable).

  • Have schedules of debtors and creditors.

  • Be demonstrably profitable, and show capacity to repay the loan in the ordinary course of business.

  • Have a business plan and cash flow forecast over the loan period.

  • Have collateral security (which can be immovable property [title deeds] or movable property.



To be eligible for this loan, you will need to meet the following requirements:


  • Be a paid-up member of the SME Association of Zimbabwe on the Premium (Small Enterprise) or Platinum (Medium Enterprise) membership package. You must be in good standing on your membership.

  • Be a member of the SMEAZ SACCOS and be on good standing in the SACCOS.

    • Have savings that are at least one sixth of the required loan amount.




Click on the button below to apply for a loan.


The SMEAZ SACCOS is a regulated body registered under the Ministry of Women Affairs, Community & SME Development. Its funds and operations are controlled and overseen by strong independent committees drawn from its membership. Our products are safe, and tailored to meet your requirements as an SME.

Quick Contact

If you have any questions or need help, feel free to contact us.

+263 8677 240480

6th Floor Batanai Gardens,
57 Jason Moyo Avenue (Cnr First Street),
Harare, Zimbabwe