Your Money.Your Growth.Your Future.
Flexible 0% deposit financing over 24 months for civil servants and pensioners, through our network of licensed partner institutions.
Chat with us on WhatsAppApproval is subject to the partner institution's credit assessment and lending policies.
Growing with you
Our mission is to grow with our clients. We go beyond providing financial services: we equip you with the knowledge to use them wisely in your daily and business lives.
What you can finance
Quality products for your home, farm and vehicle, available with 0% deposit financing over 24 months.
Solar and energy
Reliable solar solutions to power your home.
Water and boreholes
Secure a dependable water supply for your household or farm.
Furniture and home improvement
Furnish and upgrade your home without an upfront deposit.
Smart electronics and appliances
Everyday technology and appliances that make life easier.
Agriculture
Equipment and inputs to help your farming grow.
Vehicle accessories
Accessories and upgrades for your vehicle.
Product availability and financing eligibility apply. Ask us on WhatsApp for current options.
How financing works
- ChoosePick your product and message us on WhatsApp.
- ApplySend your details and supporting documents.
- AssessmentThe relevant lending institution reviews your application against its credit criteria.
- DeliveryOnce approved, your product is delivered.
Financial consultancy
Money works harder when it is well planned. Our advisory practice helps individuals and businesses make confident financial decisions, prepare for financing, and build lasting financial capability.
For individuals and households
Budgeting and cash flow
Build a realistic monthly plan that matches your income and priorities.
Debt management
Understand what you owe, prioritise repayments and regain control.
Savings planning
Set clear goals and a disciplined routine to reach them.
Financing readiness
Prepare documents and strengthen your profile before you apply.
Choosing the right financing
Compare options, costs and repayment terms so you borrow with clarity.
Financial literacy coaching
Practical lessons on credit, interest and everyday money habits.
For businesses and SMEs
Working capital management
Keep cash moving through your business with confidence.
Funding strategy
Identify the right type and amount of funding for your stage of growth.
Application preparation
Package your financials and plans the way lenders expect to see them.
Business plans and projections
Develop clear plans and forecasts that support your funding case.
Record keeping and reporting
Set up simple systems that give you reliable numbers to manage by.
Growth and scale-up planning
Plan expansion, new products and investment with a clear financial view.
How we work with you
- DiscoverWe learn your goals, income or revenue, and current commitments.
- DiagnoseWe review your position and identify gaps and opportunities.
- PlanWe agree a practical roadmap with clear next steps.
- ExecuteWe support you through implementation, including access to suitable financing.
Consultancy is advisory in nature and does not guarantee financing approval.
Our partners
We are proud to partner with InnBucks Microbank, supporting civil servants and pensioners with accessible product financing. We also work with other licensed institutions to serve our clients' wider financial needs.
About Khaliya
Khaliya Finance is a business division of Khaliya Africa (Private) Limited, Zimbabwe. We connect civil servants, pensioners, professionals and business owners with practical financing and the financial knowledge to use it well.
Frequently asked questions
Who qualifies for product financing?
Civil servants, pensioners, salaried private-sector employees and SMEs, subject to the credit assessment and lending policies of the relevant institution.
What does 0% deposit mean?
You do not pay an upfront deposit on eligible products. Repayment terms and any applicable charges are confirmed by the lending institution before you commit.
How long is the repayment period?
Product financing runs up to 24 months, subject to approval.
Does Khaliya lend money directly?
No. Khaliya is a financial facilitation and advisory firm, not a balance-sheet lender. Our asset-light, network-driven model connects you with licensed institutions, structures your application for the best chance of success, and equips you with the knowledge to manage credit well. It also means we can keep widening the range of institutions and solutions we bring to our clients as Khaliya grows.
How do I apply?
Message us on WhatsApp and we will guide you through the process.
Helpful guides
Practical know-how to help you borrow and spend wisely.
Contact us
- +263 790 382 083
- Calls
- +263 790 382 084
- Info@khaliyaafrica.com
- Khaliya Financial Services