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LUMBIKA Microfinance

Empowering Tanzanian Commerce

Financing Built
Into the Moment
of Purchase

LUMBIKA enables Tanzanians to access essential lifestyle and productive assets through flexible payments — while helping merchants sell more through embedded financing technology.

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Tanzanian merchants and customers using LUMBIKA at the point of purchase

LUMBIKA SECURE

LUMBIKA FINANCING

DIGITAL VERIFICATION

Secure Customer Journey

Tanzanian-Registered Microfinance Institution

Dar es Salaam, Tanzania

Embedded Asset Financing

Workflow Ecosystem

Double-Sided Value Pathway

Providing transparent capital to consumers while powering low-risk commerce for business partners.

For Consumers

01

Choose Asset

Choose an available lifestyle or productive asset.

02

Submit Application

Provide the required customer and application information.

03

Flexible Repayment

Repayment terms are provided according to the applicable financing arrangement.

LUMBIKA EMBEDDED FINANCING PLATFORM

For Merchant Partners

01

Connect & Onboard

Set up the appropriate merchant or agent workflow seamlessly.

02

Facilitate Financing

Support eligible customers through the embedded financing journey.

03

Transaction Support

LUMBIKA manages the financing, payment risk, and customer collections cycle.

Asset Portfolio

Unlocking Productive & Lifestyle Assets

Carefully designed microfinance frameworks enabling individual upgrade opportunities and sustainable micro-enterprise evolution.

Motorcycle bodaboda used as a productive asset in Tanzania

PRODUCTIVE MOBILITY

Motorcycles – Bodaboda

Empowering independent transport entrepreneurs with clean, fuel-efficient commuter models.

Family living room with Pay-TV entertainment

ENTERTAINMENT

Pay-TV Decoders

Connecting homes to global knowledge with structured digital subscriptions.

Smartphones and digital devices

DIGITAL CONNECTIVITY

Smartphones & Electronics

Instant, reliable microfinance structures for digital-first workers across Tanzania.

Home appliances and electronics

HOME SOLUTIONS

Smart TVs & Appliances

Upgrading lifestyles sustainably with modern inverter appliances and refrigeration.

EMBEDDED FINANCING

Invisible Embedded Financing

Seamless financing infrastructure built directly into your commercial transaction flows. Our API connects merchants with flexible customer financing at the point of sale.

STAGE 01

Merchant / Agent

Transaction initiated

STAGE 02

LUMBIKA Platform

Financing request processed

STAGE 03

Application Assessment

Real-time eligibility review

STAGE 04

Customer Verification

Identity & OTP confirmed

STAGE 05

Financing Fulfilment

Settle funds and release asset

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SECURE KYC
LUMBIKA Agent Platform supporting screen
LUMBIKA Agent Platform supporting screen
LUMBIKA Agent Platform application screen

Agent Tooling

The Lumbika Agent Platform

Digital tools supporting agent onboarding, customer applications, financing workflows and portfolio management.

Digital Application Processing

Submit customer credentials directly at the POS.

Agent & Attendant Management

Structured onboarding tools for agent networks.

Customer Onboarding & Verification

Registrations and secure consent flows.

Portfolio & Payment Support

Visibility, tracking and collection tools.

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Lumbika Integrity

Why Enterprise Partners Choose Us

A structured micro-lending platform connecting manufacturers and distributors with creditworthy customers across Tanzania.

Speed & Efficiency

Streamlined financing workflows designed to support fast decisions at the point of sale.

Transparent Processes

Clear terms, transparent pricing and structured customer communication throughout.

Regulatory Responsibility

Operating within Tanzania's microfinance regulatory framework with governance and compliance.

Reduced Credit Exposure

Merchants sell more without holding customer credit risk. We manage collections.

Turn More Customers Into Buyers

Work with LUMBIKA to integrate flexible asset financing into your customer journey and support more customers at the point of purchase.

Become a PartnerRequest API Access

Join the Mission

Build the Future of Accessible Finance

We are building technology and financial infrastructure designed to expand access to productive and lifestyle assets across Tanzania.

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