ProActive Finance
Finance built around what you need to accomplish.
Purchase orders. Invoices. Agriculture. School fees. Stock. Business cash flow.
Proactive Finance & Supplies (Pvt) Ltd
Harare, Zimbabwe
How it works
- 1.Tell us what you need finance for
- 2.Get a clear, itemised estimate
- 3.Apply online or via WhatsApp
- 4.Receive your written offer
Proactive Finance & Supplies (Pvt) Ltd
Zimbabwe-focused finance for individuals and businesses.
What do you need finance for?
Finance built around what you're actually trying to do
From fulfilling a purchase order to covering this term's school fees, choose the product that fits.
Registered businesses and traders with a confirmed purchase order from a buyer.
Purchase Order Finance
Finance for businesses that have a confirmed purchase order but need working capital to fulfil it.
Learn more →Suppliers and service providers waiting on payment from an invoiced client.
Invoice Bridging Finance
An advance against a confirmed, unpaid invoice so you are not waiting out long client payment terms.
Learn more →Parents, guardians, and school owners/operators.
School Fee Finance
Finance for parents and guardians to spread school fee payments, or for school owners financing improvements.
Learn more →Individuals and businesses with a qualifying asset to secure finance against.
Collateral-Backed Finance
Finance secured against an asset such as equipment, a vehicle, or another qualifying movable asset.
Learn more →Farmers, agri-dealers, and agriculture-sector businesses.
Agriculture Finance
Finance for farmers and agri-businesses to fund inputs, equipment, or post-harvest costs.
Learn more →Individuals facing an urgent, unplanned expense.
Emergency Finance
Short-term finance for urgent, unplanned personal expenses.
Learn more →By industry
What industry are you in?
Finance shaped around how your sector actually operates.
Process
How ProActive Finance works
Every application follows the same clear, human-reviewed process.
- 1
Tell us what you need
Choose the finance product that fits — from a purchase order to school fees.
- 2
Get assessed
ProActive reviews your application and documents, and may ask follow-up questions.
- 3
Receive a written offer
If approved, you get a clear breakdown of cost and repayment terms before you sign.
- 4
Get funded
Once you accept and sign, funds are released — sometimes directly to a third party.
See the cost
Try the finance calculator
Adjust the amount and tenure for a rough, disclaimed estimate — before you apply.
Why ProActive
Why work with ProActive
Finance built around real needs
Products structured around orders, invoices, agriculture, education and business cash flow — not one generic loan.
Local knowledge
A Zimbabwe-focused team operating from Harare.
Clearer journeys
Understand what information is needed before you start an application.
Digital + human
Technology makes applying easier, while keeping access to human support.
Financial education
Practical guidance to help you understand borrowing, repayment and cash flow.
A process, not a guess
Every application is reviewed — risk flags go to human review rather than an automatic decline.
Who we serve
Built for Zimbabwe's real economy
Before you apply
What most applications need
General guidance to help you prepare — exact requirements depend on the specific product.
Age
Typically 18–65, depending on the product and repayment period.
Income
A stable, verifiable source of income.
Employment
Salaried, self-employed, or business owner, depending on the product.
Identification
National ID, passport, or driving licence.
Financial education
Money Guide
Practical, plain-language guidance on borrowing, repayments and cash flow.
Repayments
How to Plan for Loan Repayments
A practical approach to building repayment into your budget before you borrow, not after.
Zimbabwe Finance
Understanding Microfinance in Zimbabwe
What microfinance is, who it serves, and how it differs from traditional bank lending.
Business Cash Flow
Smart Ways to Manage Business Cash Flow
Simple habits that keep a small business solvent between sales, invoices, and supplier payments.
Ready to take the next step?
Apply online or start a conversation on WhatsApp — whichever is easier for you.
Talk to a human
Proactive Finance & Supplies (Pvt) Ltd
14 Argyle Road, Avondale
Harare, Zimbabwe