Microfinance refers to small loans and financial services provided to individuals, entrepreneurs, or small businesses that don’t qualify for traditional banking services. At Share Wealth, we offer tailored loan solutions to help small businesses grow sustainably.

Any individual or business with a stable income or viable business idea can apply. We serve informal traders, SMEs (MSMEs), horticulture farmers, salaried employees, and women entrepreneurs—whether registered or not.

Microfinance loans are more flexible, require less paperwork, and are often quicker to process than traditional bank loans. We also support first-time borrowers and help build their credit profile.

We provide SME loans, working capital finance, school fees loans, civil servant loans, agricultural loans, and group lending. Each is customized to fit your needs and repayment ability.

Loan amounts range from as low as $100 to $10,000, depending on the product, your income, and repayment capacity. Larger facilities may be available for established SMEs.

Collateral is always an added advantage, however, some loans depending on size will not require physical collateral. Others will requirement movable collateral like livestock, equipment, household. In some instance immovable collateral maybe required depending on the type of a facility. Others, like group or salary-based loans, don’t need physical security.

Basic (KYC) requirements include:

· National ID or Passport

· Proof of income or business

· Proof of residence

· Guarantor details (where applicable)

Most loan decisions are made within 24 to 72 hours once all documents are submitted. Larger loans may take up to 5 working days.

Yes! Visit our website at sharewealth.co and complete the loan application form. You can also send documents via WhatsApp or email hello@sharewealth.co.

Not necessarily. We offer digital onboarding, mobile assessments, and remote disbursement. However, some loan types may require a brief office visit or field inspection.

Repayments are typically weekly or monthly, depending on the product, we can even have more variations. We design repayment plans to match your cash flow—especially for traders and farmers.

We encourage early communication. If you miss a payment, we’ll work with you to restructure the facility to ensure that you service your loan obligations smoothly. Consistent defaults, however, may lead to penalties or loss of collateral, in the process your name will also be listed with Credit Bureaus, and this will affect your relationships with other financial services companies like Banks, Building Societies, Insurance companies, credit stores or mobile network operators.

Yes. We report repayment history to credit bureaus, helping you build a strong financial profile and qualify for bigger loans in future.

Credit Bureaus are also known as credit reference agencies, the Reserve Bank of Zimbabwe administer what is called a Credit registry, and these are platform/organisations that collect, store, and analyse credit information about individuals and businesses. Their primary role is to help lenders assess the risk of giving credit to a borrower.

The listing of positive credit data, like already stated above improves your credit store and is a positive outlook in future borrowing, this may result in favourable interest rates, however negative data, especially you default a lot will result in services being denied or provided under stringent conditions.

Yes. Share Wealth is a licensed microfinance company through the Reserve Bank of Zimbabwe, operating under the laws of Zimbabwe, we are committed to ethical lending and financial inclusion.