At Proactive Finance & Supplies, we are committed to empowering individuals and businesses by providing accessible, innovative, and flexible financial solutions. Our microfinance products are designed to support Zimbabwean entrepreneurs, smallholder farmers, traders, and salaried individuals in achieving financial independence and business growth.
We understand the challenges faced by underserved communities in accessing capital, which is why we offer a range of tailored loan products and financial services to help you grow your business, manage personal finances, and build long-term wealth.
Explore our financial solutions below and take the next step toward financial success.
What We Offer
Loan Products
Each loan product is specifically designed to meet the unique needs of different sectors, ensuring affordability, accessibility, and sustainability.
1. Agriculture Loans
Empowering Farmers, Boosting Food Security
Zimbabwe’s agricultural sector is the backbone of the economy, yet many smallholder farmers and agribusinesses struggle with financing. Our Agriculture Loans provide tailored funding to help farmers invest in equipment, seeds, fertilizers, irrigation systems, and livestock, ensuring higher productivity and food security.
Key Features:
- Financing for market gardening, horticulture, floriculture, and crop production.
- Loans for mechanization (tractors, plows, irrigation systems).
- Support for livestock farming (cattle fattening, piggery, poultry).
- Competitive interest rates and flexible repayment terms aligned with farming seasons.
Who Can Apply?
- Smallholder and commercial farmers.
- Agricultural cooperatives.
- Farm-based agribusinesses.
2. Manufacturing Loans
Fueling Industrial Growth & Innovation
We support Zimbabwe’s manufacturing sector by providing financing for MSMEs to scale production, purchase new equipment, and invest in raw materials. Whether you are in metal fabrication, textile production, or agro-processing, our Manufacturing Loans will help you take your business to the next level.
Key Features:
- Working capital for production expansion.
- Purchase of machinery, tools, and raw materials.
- Flexible repayment terms based on production cycles.
- Support for small-scale manufacturers and industrial startups.
Who Can Apply?
- Small and medium-sized manufacturers.
- Metal fabricators, textile producers, and food processors.
3. Retail & Distribution Loans
Helping Traders, Wholesalers & Distributors Grow
Retailers and distributors play a critical role in Zimbabwe’s economy, yet many lack access to the capital needed to stock inventory and expand operations. Our Retail & Distribution Loans provide flexible financing to support business growth and supply chain efficiency.
Key Features:
- Working capital for purchasing bulk stock.
- Support for tuckshops, vendors, and wholesale traders.
- Loan options for both informal and formal retail businesses.
- Quick disbursement to keep your business running smoothly.
Who Can Apply?
- Market vendors and informal traders.
- Shop owners and supermarket operators.
- Bulk suppliers and wholesalers.
4. Consumer Loans
Helping Individuals Meet Their Financial Needs
Sometimes, individuals need quick access to credit for personal needs, education, medical expenses, or emergencies. Our Consumer Loans provide accessible financing to help individuals manage their finances responsibly.
Key Features:
- Salary-based lending for civil servants and private-sector employees.
- Quick approval process with minimal documentation.
- Competitive interest rates.
- Repayment via payroll deductions or bank debit orders.
Who Can Apply?
- Civil servants (government employees).
- Private-sector employees from reputable companies.
5. Mining Loans
Supporting Zimbabwe’s Small-Scale Miners
Mining is one of Zimbabwe’s most lucrative industries, yet small-scale miners often face financial barriers when trying to expand operations. PFS provides Mining Loans tailored for gold, chrome, and other mineral producers looking to enhance their productivity.
Key Features:
- Loans for mining equipment, safety gear, and operational expenses.
- Long-term financing solutions with structured repayments.
- Partnership with Fidelity Printers & Refineries (FPR) for guaranteed market access.
- Special support for formalizing small-scale mining operations.
Who Can Apply?
- Licensed small-scale miners.
- Mining cooperatives and groups.
- Artisanal miners looking to scale up.
6. Debt Factoring Services
Solving Cash Flow Problems for Small Businesses
Many businesses struggle with delayed payments from customers, leading to cash flow shortages. Our Debt Factoring service allows businesses to sell their unpaid invoices to PFS in exchange for immediate cash, helping them manage operational costs and growth.
How It Works:
- Submit your unpaid invoices to PFS.
- We advance a percentage of the invoice value upfront.
- Once the customer pays the invoice, you receive the remaining balance minus a small factoring fee.
Key Features:
- Immediate access to working capital.
- No collateral required.
- Ideal for businesses with cash flow challenges.
7. Mortgage Loans
Making Home & Business Property Ownership Possible
Traditional banks often exclude low-income earners and small businesses from mortgage financing. PFS offers affordable mortgage loans to help Zimbabweans purchase, renovate, or construct residential and commercial properties.
Key Features:
- Finance up to 70-90% of property value.
- Flexible repayment terms up to 10 years.
- Low down payments and competitive interest rates.
- Support for low-income earners and small businesses.
Who Can Apply?
- First-time homebuyers.
- MSMEs looking for business premises.
- Property developers.
Proactive Finance
Why Choose Us
- Tailored Loan Products: We understand the unique financial needs of Zimbabwe’s underserved communities.
- Quick & Easy Application Process: Minimal paperwork and fast approvals.
- Competitive Interest Rates: Affordable financing to support business and personal needs.
- Dedicated Customer Support: We offer personalized assistance to guide you through the loan process.
- Commitment to Financial Inclusion: Our mission is to make financial services accessible to all.
Join thousands of Zimbabweans who trust PFS to support their financial goals!
Who We Are
Loan Products
- Agriculture Loans
- Manufacturing Loans
- Retail & Distribution Loans
- Consumer Loans
- Mining Loans
- Debt Factoring Services
- Mortgage Loans
Contact Details
-
14 Argyle Road,
Avondale,
Harare - +263 711 920 027
- info@pfszim.com
