Untu Capital Ltd. | Microfinance

Working Capital Finance

Fuel your day-to-day operations and keep your business moving.

Running a business in Zimbabwe means managing seasonal demand, supplier pressures, and unpredictable cash flow. Untu Capital's Working Capital Finance is designed to keep your operations stable and responsive, so you never miss an opportunity due to short-term cash constraints.

Working Capital Finance Application Form

I have read, understood and agree to the terms & conditions outlined for this loan facility from Untu Capital. I verify that all the information I have submitted for this application is true and has not been falsified, altered or manipulated in any way. I understand that all information submitted for this application is private and confidential and may be used to assess my eligibility. I give my consent allowing Untu Capital staff to call, email and message me for verification and processing purposes.

What You'll Need to Get Started

To ensure we tailor funding that truly supports your business, we require a few basic documents to understand your operations:

Valid Zimbabwean ID / Passport
Proof of residence (utility bill, lease agreement or affidavit)
Business registration documents (where available)
Certificate of Incorporation, CR6 / CR14, or Trading licence / informal business confirmation
12 months bank statements (or cash-flow records for 12 months)
Brief description of business activity and funding purpose
Proposed collateral - Title Deeds/Cession/Vehicles(Depending on loan size)

We understand many SMEs operate informally. Our team works with you to assess real business performance, not paperwork alone.

Ideal for businesses that need to:

Purchase stock or raw materials
Cover short-term operating costs (rent, wages, utilities)
Bridge cash-flow gaps caused by delayed customer payments
Scale up during peak or festive seasons

Industries that benefit most:

Retail & wholesale traders
FMCGs and tuckshops
Manufacturing & light industrial businesses
Agriculture, agro-processing & input suppliers
Transport, logistics and distribution businesses
Other Service Businesses (Schools, Construction, etc)

Key details:

Competitive loan amounts tailored to your business needs
Flexible repayment periods to suit your cash flow
Fast approval turnaround
Security: Flexible options depending on loan size

This facility gives you breathing room, confidence and control, allowing you to focus on growing sales, not chasing cash.

CLICK HERE if you have more questions or if you would like our team to call and assist you.

Ready to scale your operations beyond inventory?

While working capital keeps you moving today, our Capital & Asset Finance helps you own tomorrow. Secure the machinery, equipment, or property you need to expand your business footprint with flexible repayment terms.

Learn More

Facing an urgent expense or time-sensitive opportunity?

When speed matters more than structure, our Short-Term SME Support is designed to move fast. Whether it is an emergency repair, supplier payment or unexpected opportunity, this facility provides quick access to funding when your business cannot afford to wait.

Learn More