Joseph Roberts Capital
Loan products

Built for the lives Zimbabweans actually live.

Six purpose-built products, each calibrated for a specific kind of customer. Your application is routed automatically to the right one.

Product 01

Civil Servant / SSB Loans

Backed by your government salary

Tailored for Zimbabwean government employees. Salary-deducted repayments. Fast approval at our lowest rates.

Amount
$100 – $10,000
Term
3 – 36 months
Rate
12% – 18% p.a.
What you'll need
  • Active SSB-registered government employee
  • Valid EC / employee number
  • Recent payslip
  • National ID
Product 02

Salary-Based Loans

Your salary is your power

For employees of registered private companies. Repayments structured around your pay cycle.

Amount
$100 – $8,000
Term
3 – 24 months
Rate
15% – 22% p.a.
What you'll need
  • 12+ months continuous employment
  • Recent 3 payslips
  • Employer confirmation letter
  • National ID
Product 03

Business Loans

Fuel your hustle

Working capital and growth financing for SMEs, sole traders and registered companies in Zimbabwe.

Amount
$500 – $50,000
Term
3 – 24 months
Rate
20% – 32% p.a.
What you'll need
  • Registered business or trading license
  • 6+ months trading history
  • Bank statements (3 months)
  • Collateral may be required for larger sums
Product 04

Agricultural Loans

From seed to harvest

Inputs, equipment and seasonal working capital for farmers. Flexible repayments aligned to harvest cycles.

Agricultural Loans
Amount
$200 – $20,000
Term
3 – 18 months
Rate
18% – 28% p.a.
What you'll need
  • Active farming operation
  • Proof of land / lease
  • Off-taker contract (preferred)
Product 05

Asset Finance

Drive what moves your dreams

Acquire vehicles, equipment and machinery without paying the full price upfront. The asset secures the loan.

Amount
$1,000 – $80,000
Term
6 – 48 months
Rate
16% – 24% p.a.
What you'll need
  • Stable income or business cashflow
  • Deposit (typically 20%+)
  • Valid quotation for the asset
Product 06

School & University Fees

Invest in tomorrow

Bridge the term so your child never misses school. Repay over multiple months.

Amount
$100 – $5,000
Term
3 – 12 months
Rate
14% – 20% p.a.
What you'll need
  • Active employment or business income
  • Fee invoice from the institution
  • National ID