Panamax Capital

Capital and Growth Tools for Individuals and Zimbabwe's Brightest SMEs

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About Panamax Capital

About Panamax Capital

Panamax Capital is a licensed microfinance institution based in Zimbabwe. We provide Salary-Based Loans, Personal Loans, Business Loans, and Education Loans — customised to suit your income and needs.

What Sets Us Apart?

  • Smart technology to simplify credit access
  • Fast, transparent, and cost-efficient processes
  • Fully digital applications and repayments

💡 Our Mission

To empower underserved communities and drive inclusive growth through accessible, affordable financial solutions built on technology and trust.

Our Services

Financial solutions and growth support tailored for every business journey.

Need Capital?

We provide working capital and loans to SMEs and individuals — from farming to construction and everything in between.

Need Support to Grow?

Access free consultancy, tools, and partner networks to help your business scale sustainably and profitably.

For Employers

Enhance employee welfare with zero-risk loan benefits.

Our Salary-Based Loans give employees access to flexible credit — while employers benefit from a seamless payroll deduction system.

  • No employer liability or guarantees
  • Boost productivity and reduce financial stress in your team
  • All processing is handled by Panamax — simple and efficient

Ready to offer financial wellness benefits?
operations@panamax.co.zw

For Investors

Partner with us to create inclusive growth — profitably and sustainably.

Panamax invites knowledgeable investors to join our journey of transforming microfinance in Zimbabwe.

  • Contribute to financial inclusion with risk-managed returns
  • Invest in a tech-driven, regulated MFI with growing demand
  • Join a trusted network of value-aligned stakeholders

Contact us today
operations@panamax.co.zw

Frequently Asked Questions

Still curious? Here are the most common questions from fellow dreamers, hustlers, and builders.

We offer Salary-Based Loans, Personal Loans, Business Loans, and Education Loans tailored to your needs.

Any Zimbabwean adult with valid ID and verifiable income (salary, business, or contract-based) can apply.

Salary-based loans go up to 2.4× your monthly salary, capped at $2,000. Rates typically range from 10%–12% per month depending on your risk profile and loan type.

Provisional approval is given within 3 working hours via WhatsApp. If everything checks out during in-person verification, your funds may be disbursed the same day.

Early repayment is welcome and may reduce your total interest. If you miss a payment, unpaid interest is capitalized after Day 6, increasing your remaining balance.

You’ll need a valid national ID, proof of income (like a payslip or bank statement), and collateral documents for non-salary loans (if required).

⚠️ The above is for information only. Final terms are subject to approval and governed by your signed loan agreement.

📱 WhatsApp Chatbot: Fast, Friendly Financial Assistant

Our chatbot is your 24/7 financial assistant — built for the Zimbabwean hustler, dreamer, and doer. Whether you’re checking loan eligibility, applying for credit, or just need financial tips — it’s here to serve you.

Chatbot Terms and Conditions

Effective Date: 1 April 2025

  1. Introduction: By using the chatbot, you agree to these terms, our Privacy Policy, and any future updates communicated via WhatsApp or our website.
  2. Services Provided: The chatbot offers loan applications, loan calculators, support queries, financial education tips, and application tracking.
  3. Data Collected: We collect your name, national ID, contact details, employer and income information, and uploaded files (e.g., payslips, bank statements).
  4. Purpose of Data Use: Your data is used to process loan applications, assess creditworthiness, provide customer support, and comply with regulatory obligations.
  5. Legal Basis: By using the chatbot, you provide explicit consent under the Cyber and Data Protection Act [Chapter 12:07] and SI 155/2024. You may revoke consent by emailing operations@panamax.co.zw.
  6. Confidentiality & Security: Data is encrypted and access is restricted to authorized Panamax Capital staff and regulators. Your information will never be shared with third parties without legal basis or your permission.
  7. User Responsibilities: You must provide truthful and accurate information and protect your WhatsApp account from unauthorized use.
  8. Loan Processing Disclaimer: Loan application via chatbot does not constitute approval. Each application is subject to internal credit review and documentation checks.
  9. Limitations of Liability: Panamax Capital is not responsible for technical failures, network interruptions, or unauthorized use of your WhatsApp account.
  10. Updates & Notifications: We may amend these terms. Major changes will be communicated through WhatsApp or posted on our website.
  11. Need Help? Email operations@panamax.co.zw or call us on +263 784 234 653.

Contact Us

Address:

5th Floor, Club Chambers,
Corner Third Street & Nelson Mandela Ave, Harare

Phone:

+263 784 234 653