SMEs Banking

Facility types

  • Business loans  : working capital and capital expenditure purposes
  • Lease hire:  for asset purchases
  • Overdraft: for working capital financing
  • Guarantees: Bid and performance bonds
  • Invoice Financing:  Working capital support
  • Bankers Acceptances: For working capital financing
  • Mortgages:  For the acquisition of fixed property or improvements on existing properties

List of Requirements

  1. Financial statements for the past three years (preferably audited
  2. Latest management accounts
  3. Cash flow projections/ budgets for the next 12 months. 
  4. Latest aged analysis of creditors and debtors
  5. Brief historical back ground of the company, nature of operations, its products, market, suppliers, competitors, threats, strengths, opportunities including brief profiles of key management personnel and organisational structure.
  6. Brief synopsis of the other group companies where applicable
  7. List of directors and shareholding structure including PSOPs(attached)
  8. Schedule of borrowings from other financial institutions showing limits and current utilisation levels where applicable
  9. Details of current bankers showing name of bank, branch, type of account and account numbers 
  10. Tax clearance from Zimra.
  11. Details of proposed collateral security including valuation report


  • Working capital facilities run for  a maximum period 12 months and are renewable
  • Capital expenditure facilities run for a maximum period of 36 months.
  • Mortgage loans have a maximum tenor of 25 years.


  • Savings accounts
  • Current accounts
  • Investment accounts through our Treasury Department
  • Pauri/ Khonapo mobile banking facility for your workforce

Other Services

  • Bancassurance  for your assets
  • Paynet for handling of salaries
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