ZB Bank is proud to introduce a dedicated SME Financing Facility designed to support businesses operating within Zimbabwe’s housing and construction value chain. Backed by a 5-year medium-term facility from international partners, this initiative supports SMEs that manufacture, supply, distribute, import or install building materials and construction inputs.
If you operate in hardware, tiling, roofing, transport, fabrication, or construction — this facility is for you.
“SMEs are the backbone of Zimbabwe’s economy. By financing businesses in the construction sector, ZB is supporting national infrastructure development, strengthening the housing value chain, and creating jobs that promote economic growth.”
As the first SSCI-certified financial institution, ZB is walking the talk — empowering SMEs while driving sustainable impact.
Why It Matters
SMEs play a critical role in Zimbabwe’s economy. By financing businesses across the housing and construction value chain, ZB is contributing to sustainable national development and long-term growth.
- Supporting national infrastructure development
- Strengthening the housing value chain
- Creating jobs and promoting economic growth
What Funding Is Available?
1. Capital Expenditure Facilities (Up to 36 Months – Revolving)
Designed to fund:
- Purchase of manufacturing machinery
- Fabrication equipment
- Construction vehicles
- Warehouse infrastructure
- Automation and production upgrades
2. Working Capital Facilities (Up to 12 Months – Revolving)
Designed to fund:
- Raw material procurement
- Importation of tiles, roofing sheets, plumbing materials, fittings
- Customs duties and freight
- Supplier payments
- Inventory build-up for large housing projects
- Operational costs and expenses
Key Facility Highlights
- Medium-term facility tenor: 5 years
- Funding supports SMEs across the housing and construction value chain
- Available for both capital expenditure and working capital needs
- Competitive pricing and structured repayment terms (subject to assessment)
How Much Can You Access?
Funding is available up to a maximum of $150,000 for SMEs and $400,000 for corporates, subject to credit assessment and eligibility criteria.
SME Loan Requirements
Formal company documentation is required, including Tax Clearance and other supporting documents as guided by the bank during application.
Collateral
Collateral is typically required. Immovable property is commonly accepted and should be supported by valuation reports where applicable.
SME FAQs
What types of businesses are eligible for SME financing? +
Any SME that meets the bank’s criteria and operates within the housing and construction value chain — including manufacturing, supply, distribution, importation, and installation of construction inputs.
What is the maximum amount I can borrow? +
Up to $150,000 for SMEs and $400,000 for corporates, subject to credit assessment and eligibility criteria.
Can I use the facility to import equipment, raw materials and supplies? +
Yes. The facility can be used for importation, including equipment, materials, fittings, and other approved construction inputs.
How long does the application process take? +
If all documents are in order, the application and approval process can take up to 2–4 weeks.
Do I need to provide collateral? +
Yes. Collateral is typically required. Immovable property is commonly accepted and should be supported by valuation reports where applicable.
Is there support to help me prepare the required documentation? +
Yes. ZB provides guidance during the application process to help you prepare and submit the required documents.
How do I repay the loan? +
Repayments are structured based on the facility type and cashflows. Full terms are confirmed during approval and communicated in your offer letter.
Will my business credit history affect my application? +
Yes. Your business credit history may be considered as part of the credit assessment process.
