Our Financial Services
Customized financial solutions designed to meet the unique needs of individuals and businesses across Africa.
SME Loans
Working capital and growth financing for small and medium enterprises with flexible repayment options.
Learn MorePersonal Loans
Short-term personal loans to meet immediate needs with quick approval and digital disbursement.
Learn MoreTrucking Finance
Specialized financing solutions for transport businesses with competitive rates and terms.
Learn MoreSolar Finance
Affordable financing for solar equipment to help businesses and homes access sustainable energy.
Learn MoreFinancial Education
Free resources and tools to help you make better financial decisions and achieve your goals.
Learn MoreHow It Works
Our streamlined process makes accessing financing quick and hassle-free.
Apply online in minutes
Complete our simple application form from your phone or computer in just a few minutes. No paperwork needed. You can also apply via WhatsApp at +263 77 522 3214.
Instant credit decision
Our advanced scoring system analyzes your application and provides an immediate decision with personalized rates.
Same-day disbursement
Once approved, receive funds directly to your mobile wallet or bank account within the same business day.
Why Choose Raysun Capital
We combine innovative technology with a deep understanding of African markets to provide financial solutions that truly work for you.
Registered and Regulated: Raysun Capital is a credit-only micro-finance institution supervised by the Reserve Bank of Zimbabwe.
View our registrationData-driven credit scoring
Our proprietary scoring system looks beyond traditional credit history to offer fair rates based on your unique profile.
Dedicated support team
Get help 24/7 through WhatsApp, phone, or email from our friendly, knowledgeable customer support team.
Licensed micro-finance institution
We are a fully licensed and regulated financial institution authorized by the Reserve Bank of Zimbabwe.
Impact-focused lending
Our solar and youth-empowerment programs help create a more sustainable and inclusive financial ecosystem.
What Our Clients Say
Success stories from businesses and individuals across Zimbabwe
Raysun Capital provided my business with working capital when traditional banks wouldn't even consider us. Their process was fast, transparent, and the repayment terms were structured to match my business cash flow.
Grace Moyo
Owner, Sunrise Logistics
The solar financing option from Raysun helped me install reliable power for my home. The application was simple, and I could track everything from my phone. Now my family has consistent electricity without the high upfront costs.
Tendai Mutasa
School Teacher, Harare
As a long-haul trucker, I needed financing to upgrade my vehicle. Raysun understood the trucking business cycle and offered me terms that worked with my income pattern. Their team was knowledgeable and supportive throughout.
David Nyathi
Independent Trucker, Cross-Border Transport
When I needed emergency funds for medical expenses, Raysun's micro-loan was a lifesaver. The approval was quick, and the transparent fee structure meant no hidden surprises. I've recommended them to all my colleagues.
Patricia Chigumba
Retail Manager, Bulawayo Mall
Our Trusted Partners
SunPower Solutions
Zimbabwe Trucking Association
Retail Merchants of Zimbabwe
African SME Alliance
EcoEnergy Partners
Ready to Move Your Business Forward?
Get the funding you need with a process designed for busy entrepreneurs and individuals.
Call Us
+263 242 000 000WhatsApp Support
+263 77 522 3214Quick Application: Send "LOAN" to our WhatsApp at +263 77 522 3214 to start your application instantly!
Frequently Asked Questions
Everything you need to know about our financing solutions
- Individuals aged 18+ with valid Zimbabwean ID
- Businesses registered in Zimbabwe with at least 6 months of operation
- Must provide proof of income or business revenue
- Clean credit history or reasonable explanation for previous issues
- Solar and trucking loans have specific additional requirements
- Rates vary by product and risk profile: 2.5% - 9% monthly for SME loans
- Personal micro-loans: 7% - 12% monthly based on term and profile
- Trucking finance: 3% - 5% monthly with asset as security
- Solar financing: 0% - 3% monthly (subsidized rates available)
- Transparent fee structure with no hidden charges
- Application processing fee: 1-2% of loan amount
- Late payment fee: 2% of outstanding amount
- Valid government-issued ID (national ID, passport)
- Proof of residence (utility bill, lease agreement)
- 3-6 months of bank statements or mobile money records
- For businesses: registration documents, trading licenses
- For SME loans: business plan and financial statements
- For trucking: vehicle details, route permits, driver information
- For solar: property information and energy usage details
- Micro-loans: Decision within 2 hours, same-day disbursement
- SME loans: 24-hour decision, disbursement within 48 hours
- Trucking finance: 48-hour decision, 72-hour disbursement
- Solar financing: 24-hour decision, installation scheduling within a week
- All applications submitted before 2PM on business days may receive same-day processing
- Weekends and holidays may extend processing times
- Flexible repayment terms from 30 days to 24 months
- Weekly, bi-weekly or monthly payment schedules
- Payments via mobile money, bank transfer, or direct debit
- Early repayment allowed with reduced or waived fees
- Seasonal repayment plans available for agricultural businesses
- Custom schedules designed for trucking revenue cycles
- Yes, we evaluate each case individually
- We consider explanations for previous credit issues
- Alternative data used for credit scoring (mobile money, utility payments)
- May require additional security or co-signer
- Higher interest rates may apply initially
- Opportunity to rebuild credit score through Raysun loans
Can't find the answer you're looking for?
Contact our support team