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Funding is the lifeblood of any business and without access to appropriate, affordable funding, business growth is stifled, if not killed altogether. The SME Association of Zimbabwe does not directly provide funding to SMEs. We do however provide a training and referral service in collaboration with several financial institutions, that allows members to access funding.

The following programs are available. Click on each link to be directed to the detailed page describing what we offer.

Product Summary description
SMEAZ Savings & Credit Cooperative

The SMEAZ Savings & Credit Cooperative enables members to get quick short-term loans (emergency loans, order financing and invoice discounting). It also acts as a guarantee fund/collateral substitute for members whose loans have been approved by a financial institution. It can also guarantee credit purchases and other credit facility transactions.

Invoice Discounting

Where you have supplied a reputable customer, and are awaiting payment, this facility can enable you to access part of the receivables in advance. We have a number of financial institutions that offer invoice discounting facilities.

Order / Tender Finance

Where you have an order, and need funding in order to buy materials and services required to fulfill the order, this facility provides such funding. It is also applicable where you need financing in order to fulfill a tender issued by a reputable organisation.

Working capital finance

If your business is unable to cope with demand due to inadequate stock levels or seasonal fluctuations, this facility enables you to boost your stocks/working capital in order to meet such demand.

Asset / Capital expenditure finance

Where you need to buy an asset in order to grow your business, this product enables you to acquire such an asset, and repay over a longer period of time.

Equity funding

For businesses looking for rapid expansion/take-off, getting other investors may be an ideal way of achieving this.

Grants and Development Agency Funding

Grants and development agency funding are often available for certain projects, particularly in the marginalised/empowerment, women & youth, environment & greening and innovation spaces.


SME Association of Zimbabwe

Growing start-up, small and medium sized enterprises into large corporations

Our mandate is to help start-ups, small and medium-sized businesses to grow into large corporations. We also work with large corporations, development agencies & partners, and other organisations interested in working with SMEs (affiliates).