Making Business Loans in Zimbabwe Simple & Accessible
One Four Nine Financial Services has been providing Zimbabwean Small and Medium Enterprises (SMEs) with flexible and tailored credit solutions since 2015. 

As financial partners, we work to create long-term value for our clients, to help them grow their businesses, and to reduce their risk. With our business loans, we empower entrepreneurs to access the capital they need to innovate, strengthen their operations, and build a more resilient future in a competitive market. 

In everything we do, we strive to serve our clients at all times with exemplary service, professionalism, and integrity.
Business Loans & Financial Services
Tailored For You
Working Capital Finance
Working Capital Finance
Grow your business with flexible funds to support your operational needs, capitalise on new opportunities, and bridge cash flow gaps.
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Order
Finance
Order
Finance
Access the funds you need to fulfill large customer orders without straining your cash flow through a short-term microfinance business loan.
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Asset
Finance
Asset
Finance
Secure funds to purchase strategic and value-creating assets for your company, without taking much-needed working capital out of the business.
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Bridging
Finance
Bridging
Finance
Access fast, short-term loans to bridge the gap between payments due and funds becoming available.
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Revolving
Credit
Withdraw, repay, and borrow on an ongoing basis to enhance and maximise your business’ cash flow management.
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Revolving
Credit
Business Loans That Unlock Opportunities & Create Value
Our Values​​​​
Our Mission​​​​​​​​​​
We aim to be the financial partner of choice for reputable entrepreneurs by creating long-term value through flexible, competitive funding and outstanding personalised service.​​
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Our Vision
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​To create long-term value for our clients, employees, and shareholders.
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Client First
We’re committed to exceeding our clients’ expectations with flexibility, excellent service, and products and services that truly meet their needs.
Integrity
Trust is the cornerstone of our business; we conduct all our business dealings with fairness, honesty, and transparency, and expect the same in return.
Excellence
We set high standards and continually strive to deliver exceptional results. We value dedication, reward outstanding performance, and aim to exceed expectations in everything we do.
Simplicity
We aim to streamline rather than complicate. We aspire to reduce things to their essentials and focus on key principles; to keep our operations modest and our costs down.
Agility
We strive to respond and adapt quickly and appropriately to change; to act decisively and promptly; and to keep learning so that we can stay agile as an organisation.
Entrepreneurship
We value initiative and resourcefulness in finding opportunities and solving problems. We embrace innovation and technology and champion better ways of working.
Stewardship
We act as responsible caretakers of our clients’ trust, our resources, and our communities. We hold ourselves accountable and are committed to making wise, values-driven decisions.
Let us help you build your success story. 

Apply for a business
loan today.
STEP 1
Create your client profile by completing the onboarding process through the link provided. We’ll then conduct due diligence on the information you share.
Get Started
STEP 2
Once your client profile is approved, a Credit Officer assigned to you will meet you at your business premises to understand and discuss your needs.
Connect & Explore
STEP 3
Your Credit Officer will conduct a detailed assessment of your business to determine the loan amount you qualify for.
Review & Analyse
STEP 4
The Credit Committee will evaluate your Credit Officer’s assessment to determine the outcome of your loan application.
Loan Decision
Why Choose Us as Your

Financial Partner?
Looking for a business loan?
Here's what you need to know.
Do you give salary-based or personal/
consumption loans?
No, we only give business loans. These include working capital, finance, order finance, asset finance, bridging finance, and revolving credit.
Do you give loans to assist start-up
businesses?
No, we only give loans to businesses that have been operating for at least two years.
What loan amounts do you give?
The amount we will grant for any loan is based on the capacity and need of the client’s business. Contact us to find out more about the amount you may qualify for.
What interest rates do you charge?
Our business loan rates range from 4% to 8% per month, depending on the client’s desired loan period and repayment structure.
What are the loan periods or tenors?
The loan terms for our business loans are from one to twelve months.
What security do you require?
We accept both light and heavy motor vehicles and immovable property, both with and without title. We are very flexible in our security requirements and accept any combination of these assets to cover the loan.
What is your turnaround time?
For a first-time client, between five and seven days. For a repeat client, between three and four days. However, these timeframes depend on the client providing all requested information promptly.
Do you lend to all business sectors?
We lend to all business sectors except agriculture and mining.
Do you lend only to businesses in Harare?
No, we have clients outside Harare and are happy to receive enquiries from any part of Zimbabwe.
