Financial
Solutions to
Enrich Lives

We are committed to a collaborative, consultative approach – listening before we advise and providing the right help at the right time.

We provide saving facilities and investment solutions with exceptional returns to
help people to prepare for a brighter financial future.

We facilitate unsecured loans and ensure reliable collection through salary deductions and direct debits, meeting our customer needs while protecting our bottom line.

We offer asset-backed lending and other secure lending products in the absence of formal employment, giving entrepreneurs and business owners access to the funds they need to grow their businesses, against the value of their vehicle.

Widely Accessible, Life-Changing Financial Solutions for Africa.

By providing easy access to the right kind of help, we’ve shown it’s possible to improve lives and deliver social upliftment, while generating solid financial rewards.

We facilitate unsecured loans to an underbanked and previously-excluded niche market and ensure reliable collection through salary deductions and direct debits, meeting our customer needs while protecting our bottom line.

In the absence of formal employment, we offer asset-backed lending and other secure products to give entrepreneurs and business owners access to the funds they need to grow their businesses, against the value of their vehicle.

To stimulate and enable the growth of small-to-medium enterprises we offer an accelerated invoice payment financing solution that bridges the gap between corporate payment terms and small business’ cash flow requirements.

Lastly, our savings and investment vehicles in Ghana offer exceptional returns to help people to prepare for a brighter financial future.

Ghana

Personal Loans

Preferential personal loans for full-time employees of government, parastatals and corporates. Repayment terms are up to 6 years, with built-in customer protection mechanisms and thorough credit vetting to avoid over-indebtedness. The loans are designed to fund personal development like education, housing and other family support.

Business Loans

Designed to stimulate economies by helping small businesses to grow, Car4Cash is an asset-backed loan that allows the customer to keep their vehicle during the repayment period.

Same-day approval, minimal paperwork, and fixed monthly repayments with flexible repayment terms of up to 18 months.

Savings Solutions

Cash Saver is an intelligent savings solution with excellent returns and highly-competitive interest rates. Cash can be accessed immediately, with no notice period required.

Savings Plus Cheque Account is a convenient way for individuals to save and transact securely using a cheque book.

Investment Solutions

iVest is an effective investment solution open to anyone with a lump sum to invest. It offers highly competitive fixed interest rates with a choice of investment periods of 3, 6 or 12 months.

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Kenya

Personal Loans

Personal loans for employees of all Kenyan government departments, TSC members, and selected parastatals and private institutions in all 47 counties. Repayment terms are up to 7 years, based on flexible monthly repayments at fixed interest rates. The funds are available for any purpose, particularly housing and
education.

Business Loans

An asset-backed personal or business loan, ideal for SME owners to fund business growth, while keeping their vehicle during the repayment period. Repayment terms are up to 18 months.

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Zambia

Personal Loans

Permanently employed civil servants, Zambia Air Force (ZAF) and Zambia National Service (ZNS) members get preferential access to personal loans. Efficient application processing, with flexible repayment terms at fixed interest rates.

Business Loans

We offer business owners dependable help with managing cash flow through accelerated invoice payment financing for SMEs, bridging their payment gap with their corporate customers. Izwe signs an agreement with the SME’s corporate customer, and settles the invoice within 24 hours. The corporate customer then settles the invoice within 90 days.

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