Hassle-free loans
A simple application and fast, human decisions. No queues, no paperwork mountain.
Grow with Creditree
Apply for a loan and fund your dreams.
Working capital tailored to your business, from a team that listens first.
A shed to financial heat
Our promise to Zimbabwe
Let's work and grow together
Creditree Microfinance is a Zimbabwean-owned financial services company committed to expanding access to affordable, responsible, and inclusive financial solutions for individuals, entrepreneurs, farmers, and small to medium-sized enterprises (SMEs).
We bridge the financing gap by providing timely and flexible credit facilities that empower our clients to grow their businesses, improve their livelihoods, and contribute to Zimbabwe's economic development. We believe that access to finance is a powerful tool for creating opportunities, promoting entrepreneurship, and building financially resilient communities.
What we offer
Everything about Creditree is built to make growing your business simpler, faster, and more human.
Customer-centric staff
People who listen and build finance around your reality, not a fixed product.
Regular loan updates
Clear updates on the status of your loan at every step, so you are never left guessing.
Technology-driven products
Modern, convenient channels that fit how you already work.
Training and advisory
Practical business and money skills that make your growth last well beyond the loan.
Our financial solutions
Tailored credit and support for every stage of your journey. Each product is shaped around your reality, never forced on you.
Micro business loans
Working capital for individual entrepreneurs running micro enterprises.
Micro enterprisesApply
SME loans
Growth finance for small and medium enterprises ready to scale up.
Small & medium enterprisesApply
Personal loans
Personal, salary-based loans for life's planned and unplanned needs.
Salaried individualsApply
SSB loans
Salary-based loans for civil servants, repaid through SSB direct-debit deductions.
Civil servantsApply
Asset finance loans
Financing to acquire the equipment and assets your business needs to grow.
Businesses & individualsApply
Training & advisory
Practical business training and advisory services, included to make your growth last.
All clientsApply
Our promise
A shed to financial heat.
Bring us your ambition. We bring the capital, the tools and the people to help it grow, and back you through every season.
Our guiding values
At Creditree Microfinance, we are guided by the values of integrity, transparency, professionalism, innovation, and accountability. These principles shape every decision we make and every relationship we build with our clients, partners, employees, and stakeholders.
Tendai Njowa
Managing Director, Creditree Microfinance