Licensed Microfinance Est. 2015
Every loan is reviewed by a person, with every cost in writing.
On the Reserve Bank of Zimbabwe’s register since 2015, we lend to workers, farmers, traders and small businesses, with every cost in writing, upfront.
RBZ licence No. 658
Check our licence on the RBZ registerWhat we lend
A salary, a harvest and a shop’s takings arrive differently. Each loan has its own range, term and paperwork.
Find the right loan01 / 06
Short-term financing for public-sector employees, government pensioners and private-sector employees to meet personal and financial needs.
02 / 06
Affordable financing to support education expenses at various levels, helping families and students access educational opportunities.
03 / 06
Financing to support farmers and agricultural activities, including inputs, production and other farming requirements.
04 / 06
Financial support designed to empower women, promote entrepreneurship and strengthen livelihoods, with opportunities for strategic partnerships focused on poverty reduction.
05 / 06
Financial support to help young people start and grow a business, build their livelihoods and create opportunity for themselves and others.
06 / 06
Short-term working capital for SMEs, sole traders and cross-border traders to support business start-up, working capital and recapitalisation.
What borrowers say
The part people mention most is not the money. It is being told plainly, and in writing.
Tinashe had customers and demand for his small retail business, but not enough working capital to keep his shelves stocked. With support from Baardy he bought more stock and served more customers.
The difference between an opportunity and a missed one is the right financial support.
Reviews
“Baardy gave me the support I needed when my business was ready to grow. Today, I have more stock and more customers.”
“What I appreciated most about Baardy was how simple the process was. They explained everything clearly and kept me informed throughout.”
“I approached Baardy when I needed additional capital for my small business. They didn't just look at the numbers; they took the time to understand what I was trying to achieve.”
“Baardy helped me get through a difficult period and keep my business running. I'm grateful for the support and professionalism.”
“From my first enquiry to receiving the funding, the team was professional and easy to deal with.”
“Baardy helped me turn an opportunity into something real. It has made a real difference to my business.”
We lend the way we'd want to borrow: plainly, and on paper.
See how it worksBring everything on the checklist and you hear back the next working day.
Interest, fees and the total you repay, set out before you sign anything.
Pay off a loan ahead of schedule without being charged for it.
Thin credit files and irregular income are normal here, not a reason to decline.
Why borrow from us
Loans shaped around real lives, with support that does not stop at the payout.
Visit a branch
4 payments a month, on dates agreed before you accept.
Ask about this schedule3 repayment schedules to choose from. Weekly, fortnightly or monthly, built around your trade.
$0 cost of financial advisory
Guidance on planning, budgeting and debt management.
0
customer records sold to third parties
1 working day
A decision on complete applications in one working day.
Visit a branch
How it works
The same steps for every loan. Bring the right documents, and you will know where you stand.
Come in to our Harare or Bulawayo branch with a valid national ID and your latest payslip, plus company documents and financials for an SME loan.
Our team assesses your application and supporting documents. Once it meets the required criteria, it moves forward to approval.
Once your loan is approved, the funds are disbursed to you according to the agreed terms.
Questions
The things borrowers ask most often. If yours is not here, a person will answer it.
Contact us
Visit an office, call or WhatsApp us, or send a message and we will call you back.
Head office
Branch
Insights
Short, practical guides on budgeting, borrowing and seasonal finance. The same advice our team gives at the branch.
View all insights
Financial literacy
Traders, farmers and anyone paid by the job know a fixed monthly budget does not fit. Here is a way of planning that does.
Get started
A person from our team calls you. Applications are made in person at a branch, and nothing is committed until you see the full cost.
Prefer to talk now?
