Youth Empowerment Loans in Zimbabwe

Overview

Young people with a good idea often have no one to lend to them: no payslip and no borrowing history. This loan is financial support to help young people start and grow a business, build their livelihoods and create opportunity for others.

A person reads your application and talks it through with you. Thin credit files are normal here, and the full cost is written down before you accept.

At a glance

Amount: $1,000 – $50,000
Term: 3 to 12 months
Decision: In one working day
Best for: Young entrepreneurs starting or growing a business

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

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Quick answers

What is a youth empowerment loan?

A youth empowerment loan is financial support to help young people start and grow a business and build their livelihoods. Baardy Micro Capital, a licensed credit-only microfinance lender, offers youth empowerment loans in Zimbabwe, and a person reads and discusses every application.

Where can a young entrepreneur get a business loan 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 a youth empowerment loan?

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

Last reviewed 4 October 2026

Is it for you

What youth empowerment loans are for

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

Young traders gathered at a phone-case stall

You can use it for

Starting a business
Equipment, stock and start-up costs
Growing a business you have already begun

It is meant for

Young entrepreneurs starting a business
Young people growing a trade they already run

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

If your application needs anything else, our team will tell you during appraisal.

01

Visit a branch with your documents

Come in to our Harare or Bulawayo branch with your valid national ID, and anything else our team asks for.
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 youth empowerment loans?

Youth Empowerment Loans are for young entrepreneurs starting a business and young people growing a trade they already run. 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. 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 $1,000 to $50,000, over 3 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