SME Bridging Finance and Working Capital

Overview

A supplier wants payment now, a customer will pay next month, and a good order will not wait. SME bridging finance is short-term working capital that carries a business across that gap.

We lend to SMEs, sole traders and cross-border traders for business start-up, working capital and recapitalisation. For this loan, bring your company documents and financials as well as your ID.

At a glance

Amount: $5,000 – $250,000
Term: 1 to 12 months
Decision: In one working day
Best for: SMEs, sole traders and cross-border traders needing working capital

Your own limit is set when your application is assessed. A decision in one working day applies to complete applications.

Enquire about this loan Ask on WhatsApp

Quick answers

What is SME bridging finance?

SME bridging finance is short-term working capital that carries a business across the gap between paying suppliers and being paid. Baardy Micro Capital, a licensed credit-only microfinance lender, offers it to SMEs, sole traders and cross-border traders in Zimbabwe for business start-up, working capital and recapitalisation.

Where can I get working capital for my business in Zimbabwe?

At Baardy Micro Capital (Pvt) Ltd, in person at our Harare or Bulawayo offices. Bring your documents, and a person assesses your application. Complete applications get a decision within one working day, and the full cost is written down before you accept.

What documents do I need for SME bridging finance?

Bring a valid national ID, Company documents and company financials. If your application needs anything else, our team will tell you during appraisal.

Last reviewed 4 October 2026

Is it for you

What sme bridging finance are for

The purposes this loan is meant for, and the people it is meant for.

You can use it for

Working capital for stock, wages and suppliers
Business start-up costs
Recapitalising a business after a difficult period

It is meant for

Small and medium-sized businesses
Sole traders
Cross-border traders

How to apply

Come in with your papers, leave with an answer

Applications are made in person, so you can ask questions and see everything in writing.

What to bring

A valid national ID
Company documents
Company financials

01

Visit a branch with your documents

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.
02

Credit appraisal and approval

Our team assesses your application and supporting documents. Once it meets the required criteria, it moves forward to approval.
03

Loan disbursement

Once your loan is approved, the funds are disbursed to you according to the agreed terms.

Questions

Before you apply

If yours is not here, a person will answer it. Call us on +263 772 550 189.

01

Who can apply for sme bridging finance?

SME Bridging Finance are for small and medium-sized businesses, sole traders and cross-border traders. Applications are made in person at one of our branches, and a person reviews every one.

02

What do I need to bring?

Bring a valid national ID, Company documents and company financials. If your application needs anything else, our team will tell you during appraisal.

03

How much can I borrow, and for how long?

Amounts for this loan range from $5,000 to $250,000, over 1 to 12 months. Your own limit is set during credit appraisal and depends on what your income or turnover can support. You see it in writing, with every fee and the total you will repay, before you accept.

04

How quickly will I get a decision?

Complete applications get a decision within one working day. An application that is missing documents takes longer, so it is worth bringing everything on your first visit.

05