30 Ferday Eastlea

Harare, Zimbabwe

Call Us

+263 242 759982

Business Hours

Mon - Fri (0900-1700hrs)

30 Ferday Eastlea

Harare, Zimbabwe

Call Us

+263 242 759982

Business Hours

Mon - Fri (0900-1700hrs)

Micro Finance

Who is Clientsure Financial Services?

Clientsure Financial Services offers a wide range of tailor-made financial solutions to individuals, and small and medium enterprises to support the growth of their businesses. We continuously review our products to ensure that they remain appropriate for our customers in the various sectors of the economy. The company’s key focus is to provide financial solutions to financially excluded Zimbabweans, with a strong focus on supporting business growth.

Our Products

Salary based loans

Our salary-based loans are designed to help you meet your financial needs with ease. We strive to make the borrowing process as simple and stress-free as possible. Salary-based personal loans are disbursed based on your salary and are a great option if you have a steady income but may not have the collateral required for traditional loans.

Requirements

  • Copy of identification, i.e., ID, passport, or driver’s license
  • Passport size photo
  • Proof of residence
  • Current payslip
  • Three months’ current bank statement
  • Letter from employer confirming employment.

Civil servant loans

Our civil servant loans are designed for government employees and are based on one's salary, with repayments being made directly from the government's Salary Services Bureau.

Requirements

  • Copy of identification, i.e., ID, passport, or driver’s license
  • Passport size photo
  • Proof of residence
  • Current payslip

Personal Micro-loan

Our microloans are designed to help individuals in the informal sector grow and succeed by accessing affordable finance. Whether you need funds for your child’s school fees, working capital, expansion of business operations, farming inputs, etc., our Personal Micro Loans have got you covered.

Requirements

  • Copy of identification, i.e., ID, passport, or driver’s license
  • Passport size photo
  • Proof of residence
  • Proof of income
  • Collateral

SME Loans

Our SME business loans are designed to help micro, small, and medium-sized businesses grow and thrive. You can use the loans for various purposes, such as financing inventory, purchasing equipment, expanding operations, or hiring new employees. We offer flexible repayment terms and competitive interest rates, making these loans a great option for your business to achieve its growth goals.

Requirements

  • Memorandum and Articles of Association, Copy of CR14, CR6, CR11, and Certificate of Incorporation.
  • Business Plan, SWOT, Industry, and Competitor Analysis.
  • Company and management profile.
  • Valid Tax Clearance Certificate
  • Identification Copy, Passport Photos, and Proof of Residence for Company Directors.  ·      
  • Bank Statement for the past 6 months.
  • Financial Statements for the previous two years.
  • Latest management accounts.
  • Projected cash flow for 12 months
  • Additional documents may be requested
  • Collateral

The Microfinance Core Client Protection Principles (CCPPS)

Clientsure Financial Services adheres to the following Core Client Protection Principles:

Appropriate product design and delivery

Clientsure Financial Services takes adequate care to design products and delivery channels in such a way that they do not cause clients harm. Client characteristics are taken into account when designing products and delivery channels.

Prevention of over-indebtedness

Clientsure Financial Services takes adequate care in all phases of their credit process to determine that clients can repay without becoming over-indebted. In addition, Clientsure Financial Services has internal systems that support the prevention of over-indebtedness.

Transparency

Clientsure Financial Services communicates clear, sufficient, and timely information in a manner and language clients can understand so that clients can make informed decisions. This includes information on pricing, terms, and conditions of products.

Responsible pricing

Pricing, terms, and conditions are set in a way that balances affordability to borrowing clients and sustainability of the Clientsure Financial Services.

Fair and respectful treatment of clients

As Clientsure Financial Services, we treat our clients fairly and respectfully. We do not discriminate and ensure adequate safeguards to detect and correct corruption as well as aggressive or abusive treatment by their staff and agents, particularly during the loan sales and debt collection processes.

Privacy of client data

The privacy of individual client data should be respected in accordance with the applicable laws of the country. Such data should only be used for the purposes specified at the time the information is collected or as permitted by law, unless otherwise agreed with the client.

Mechanisms for complaint resolution

Clientsure Financial Services has timely and responsive mechanisms for complaints and problem resolution for their clients and we use these mechanisms both to resolve individual problems and to improve their products and services.