Solutions

Credit and financing, structured around the asset and the cash flow

Kazuzo lends across the capital structure of the real economy — from a nano loan settled in seconds to a multi-year secured facility on titled plant and machinery.

Positioning

Middleware lending: origination reach, asset expertise, recovery discipline

Asset finance is a spreads-and-assets business — fund at wholesale, deploy against titled collateral, earn the margin plus fees, and manage the asset through its whole life. A data platform does not change that equation; it changes every coefficient in it.

Acquisition cost

Digital origination and embedded distribution collapse the cost of reaching a borrower, replacing branch-led sourcing with API-led sourcing.

Credit cost

Multi-bank data aggregation, alternate data and asset telemetry give a live view of exposure — so decline, price and collect are decisions made early, not late.

Cost to serve

Straight-through servicing, automated documentation and self-service collections take manual handling out of the servicing line.

Residual value

Whole-of-life asset management and disciplined remarketing turn end-of-lease from a write-down into a margin line.

Core categories

Four disciplines at the centre of the book

Asset-Based Finance

Facilities sized against the assets a business already owns — receivables, inventory, plant, vehicles and titled equipment — rather than against historic profitability alone.

Who it suits: Asset-heavy operators, distributors, manufacturers and fleet owners whose balance sheet is stronger than their P&L.
Structure & security: Revolving borrowing base against eligible receivables and inventory, with periodic field examination, collateral monitoring and telemetry where the asset supports it.
Typical use: Working-capital release, seasonal build-up, refinancing of expensive short-term debt, and funding growth without diluting ownership.

Secured and Unsecured Finance

Two disciplines from one credit engine: security-backed lending where collateral can be perfected, and cash-flow lending where data quality replaces the charge.

Who it suits: Established borrowers with registrable security, and digitally-verifiable businesses whose transaction history is the collateral.
Structure & security: Charges, hypothecation and lien registration on the secured side; covenant-light, data-monitored limits with dynamic pricing on the unsecured side.
Typical use: Capex, expansion, bridge requirements, and everyday liquidity for firms that fall between bank and informal credit.

Term Loans

Amortising credit with a defined tenor and a repayment profile shaped to the cash the asset or project actually produces.

Who it suits: Mid-market corporates, institutions and sponsors funding a defined, multi-year plan.
Structure & security: Fixed or KIBOR-linked pricing, bullet or amortising schedules, step-up profiles for ramping projects, and Islamic-native structures where required.
Typical use: Plant and machinery, site development, acquisition finance, and refinancing of legacy facilities.

Micro Loans & Nano Loans

Small-ticket, short-tenor credit decided in seconds and delivered over instant rails — the entry point to formal finance for millions.

Who it suits: Micro-entrepreneurs, retailers, gig workers and first-time formal borrowers.
Structure & security: Alternate-data scoring, straight-through disbursement to wallets and accounts, graduated limits that grow with repayment behaviour.
Typical use: Stock purchase, cash-flow smoothing, tools and inputs, and building a credit history that unlocks larger facilities.

Special category loans

Programmes designed for a specific journey

Where the borrower, the asset or the distribution channel demands a purpose-built structure rather than a generic facility.

Asset Leasing

Use of the asset without the capital outlay — operating and finance leases across vehicles, machinery, medical equipment and technology.

Who it suits: Operators who need utilisation, not ownership.
Structure & security: Kazuzo retains title, sets residual value with market data, and manages the asset through its whole life including remarketing.
Typical use: Fleet expansion, equipment upgrades, and preserving capital for the operating business.

Supply Chain Finance

Liquidity injected at the point where an invoice is approved, so suppliers are paid early and buyers keep their terms.

Who it suits: Anchor buyers and their supplier and distributor networks.
Structure & security: Anchor-led programmes with approved-payable financing, dealer and distributor limits, and settlement over instant rails.
Typical use: Shortening the cash conversion cycle across an entire trading network rather than one firm at a time.

Small and Medium Enterprise Finance

Purpose-built credit for the segment that employs the most people and receives the least formal funding.

Who it suits: Registered SMEs across trade, manufacturing and services.
Structure & security: Bank-statement and tax-data underwriting, multi-bank aggregation for a complete cash-flow view, and limits reviewed continuously rather than annually.
Typical use: Working capital, machinery, premises and order-backed finance.

Agriculture Finance

Credit aligned to the crop calendar, secured on inputs, produce and equipment, and priced with the seasonality of farm cash flow in mind.

Who it suits: Growers, dairy and livestock operators, input dealers and processors.
Structure & security: Seasonal limits, warehouse-receipt and produce-backed lending, tractor and implement finance, and satellite and yield data in the credit view.
Typical use: Inputs, mechanisation, storage and post-harvest value addition.

Student Loans

Education finance that treats future earning power as the asset, with repayment beginning when income does.

Who it suits: Students in higher, technical and professional education, and their families.
Structure & security: Institution-linked programmes, study-period grace, income-aware repayment schedules and co-obligor structures.
Typical use: Tuition, examination and certification costs, and living expenses during study.

Payday Loans & Earned Wage Access

Access to wages already earned, and short-tenor salary advances that replace far costlier informal borrowing.

Who it suits: Salaried workers and their employers.
Structure & security: Employer-integrated payroll data, transparent flat fees, hard affordability caps and automatic payroll settlement.
Typical use: Emergency expenses, bill timing mismatches and avoiding rollover debt spirals.

Buy Now Pay Later Lending

Point-of-sale instalment credit embedded in the merchant journey, underwritten in real time.

Who it suits: Merchants, marketplaces and their customers.
Structure & security: Merchant-funded and customer-funded plans, instant decisioning at checkout, and settlement to the merchant on approval.
Typical use: Basket conversion for merchants and affordable instalments for buyers.

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