TATU Capital (Pvt) Ltd

What TATU Capital (Pvt) Ltd does

TATU Capital (Private) Limited is a Zimbabwean microfinance institution founded in 2021 and headquartered in Harare, with additional branches in Bindura and Mutare. The company extends credit and provides ancillary financial services to individuals, Micro, Small and Medium Enterprises (MSMEs), and corporate clients, operating under an explicit mandate to serve women and women-run enterprises — particularly in the agro-sector, where Zimbabwean land ownership skews 71:39 male-to-female. Its loan portfolio spans agri-business loans (seasonal, fixed-asset, and outgrower scheme financing), MSME loans, salary-based individual loans (including USD loans to civil servants repaid via direct salary debit), order financing, structured finance (pre-shipment, post-shipment, structured debt), group loans, SME CAPEX, SME working capital facilities, lease finance, and micro housing loans. The product suite is complemented by financial literacy programs and advisory services designed to address financial exclusion of women and low-income populations.

Revenue is generated almost entirely from interest income on loans, priced across USD and ZWL currency books at 7%–13% per month, with arrangement fees (2%–4%), drawdown fees (1%–2%), application fees, and insurance premiums of 1%–1.05% of gross loan amount layered on top. Distribution is hybrid and sales-led: three physical branches handle in-person origination and document submission, while an online portal with loan calculators and downloadable application forms supports remote self-service. A network of agronomists, veterinarians, and field officers extends agricultural lending into the field. The core technology is a microfinance lending platform; no proprietary AI, machine-learning capabilities, or API integrations are disclosed, and underwriting relies on sector-experienced loan officers rather than automated decisioning.

The company is founder-owned and founder-led. Patience Mapeza, a banker with 20+ years of experience across consumer, SME, and corporate banking, established the firm and remains the driving force, supported by a four-person board (50% gender-balanced) that includes a chartered accountant heading a risk management unit, a 13+ year practicing attorney, and a non-executive director with conservation and rural-development credentials. No institutional investors, private equity, venture capital, parent companies, subsidiaries, patents, trademarks, regulatory actions, or M&A activity are disclosed. The team is described as lean (firmographic headcount of 9) and operations are concentrated entirely in Zimbabwe with no stated international ambitions.

Name

TATU Capital (Pvt) Ltd

Legal name

TATU Capital (Private) Limited

Website

https://tatucapital.co.zw

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Zimbabwean microfinance institution founded in 2021 providing MSME, individual, agri-business, and structured finance loans to underserved borrowers, women-run enterprises, and civil servants across three branches and an online application platform in Harare, Bindura, and Mutare.

Ownership category

akta.pro rank

Product category

Microfinance Services

NAICS

Credit Intermediation and Related Activities (522)

SIC

Short-Term Business Credit Institutions (6153), Personal Credit Institutions (6141)

akta.pro primary industry

Microloans & Working Capital Loans (FSAKAGAA)

Keywords

• Microfinance lending
• MSME loans
• Personal loans
• Agricultural financing
• Women-focused credit

Headquarters

HQ city

Harare

HQ country

Zimbabwe

HQ region

Africa

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Others, Infrastructure

Revenue model

1. Interest Income on Loans: TATU Capital generates revenue primarily through interest charged on loans. Interest rates vary by product: Personal loans USD at stated rates, Personal loans ZWL at 13% per month, Group loans USD at 7% per month, Group loans ZWL at 10% per month, Order financing at 8% per month USD. Additional fees include arrangement fees (2-4%), drawdown fees (1-2%), application fees, and insurance premiums (1-1.05% of gross loan amount).

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

TATU Capital is a Zimbabwe-based microfinance institution offering a portfolio of loan products to individuals, micro/small/medium enterprises (MSMEs), and corporate clients. Core offerings include personal loans (pay day, school fees, consumption), MSME working capital, agri-business financing, order financing, and structured finance (pre-shipment, post-shipment, structured debt), with a deliberate bias toward women and women-run enterprises and supporting capacity building alongside credit.

Product overview

TATU Capital is a microfinance institution offering a comprehensive suite of loan and financial products targeting Micro, Small and Medium Enterprises (MSMEs), individuals, and corporate clients with a deliberate bias towards women and women-run entities. The product portfolio centers on five core lending products: Agri-business Loans (seasonal and fixed asset financing), MSME Loans and Funding (short-term working capital), Individual Loans (pay day and consumptive loans), Order Financing (for confirmed orders/tenders), and Structured Finance (pre-shipment, post-shipment, and structured debt). Additional offerings include Group Loans, SME CAPEX Loans, SME Working Capital Facilities, Lease Finance, and Micro Housing Loans. These products are complemented by financial literacy programs and advisory services. The company operates through three branches in Zimbabwe (Harare, Bindura, Mutare) and offers both online application portals and downloadable forms, supported by loan calculators for customer self-service.

Differentiator

Problem solved

Functional benefit

Products and services

• Agri-business Loans
• MSME Loans and Funding
• Individual Loans (Personal Loans)
• Order Financing
• Structured Finance
• Group Loans
• SME CAPEX Loans
• SME Working Capital Facility Working capital facility in ZWL for Small and Medium Enterprises to fund day-to-day operations and short-term liquidity needs.
• Lease Finance
• Micro Housing Loans
• Financial Literacy Services
• Advisory Services

Quantifiable outcome

• Personal loan turnaround: Within 2 hours
• +2 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves5 records

Expansion highlights2 records

Direct peers

• Zambuko Holdings Limited: Zimbabwe-based microfinance institution offering personal, SME and housing loans across the country; directly competes with TATU Capital for the same MSME and individual borrowers in the same regulatory and macro environment.
• GetBucks (Zimbabwe): Zimbabwean microfinance lender providing salary-backed and MSME loans to civil servants and individuals; overlaps with TATU's civil servant USD personal loan and MSME lending products.

Broad incumbents

• Bayport Financial Services: Pan-African consumer and MSME credit provider with operations in Southern Africa; comparable to TATU on salary-backed personal loans and small enterprise lending, though at much larger scale.
• Letshego Group: Pan-African inclusive finance group listed on the Botswana Stock Exchange, offering payroll lending, MSME and consumer credit across multiple African markets; relevant as a broader, better-capitalized incumbent in the same microfinance category.
• Steward Bank: Zimbabwean commercial bank with strong retail, MSME and agricultural lending presence; overlaps with TATU's SME and agri-business loan products within the same domestic market.
• CBZ Holdings Limited: Zimbabwe's largest commercial bank group, offering SME, agricultural and personal lending; competes with TATU in the same domestic market, though from a much larger balance sheet and product suite.

Emerging players

• FairMoney: Nigerian digital lender extending personal and small business loans to underbanked customers via mobile; comparable emerging-market digital microfinance model to TATU's online-plus-branch MSME lending.
• Carbon (formerly Carbon Finance): Pan-African digital lending platform offering instant personal and SME loans across Nigeria, Kenya and other markets; an emerging digital-first peer to TATU's tech-enabled MSME lending.
• Branch International: Digital microfinance app providing small personal and business loans to emerging-market consumers across Africa; relevant as a tech-led, low-touch competitor to TATU's MSME and individual loan book.

Regional players

• Mukuru: Southern African cross-border remittance and financial services company serving unbanked and migrant populations; thematically comparable to TATU's financial-inclusion mission though operating in adjacent rather than overlapping product lines.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/tatucapital
• YouTubeyoutube.com/@tatucapital
• Facebookfacebook.com/tatucapital
• LinkedInlinkedin.com/company/tatucapital
• Instagraminstagram.com/tatucapital

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about TATU Capital (Pvt) Ltd