Ziramba

Financing that fits your project

Buy now, pay later on materials. Or get bank-backed credit as a contractor. We work with financial institutions so you can build without waiting.

Two ways to finance

Like Klarna for materials, or credit lines for contractors — we partner with banks and lenders to make it happen.

Professional with materials financing

Buy now, pay later (materials)

Shop materials on the marketplace and pay in installments. Get approved in 48 hours. Pay over 30–90 days. Subject to eligibility and partner approval.

  • 0% financing for up to 90 days on eligible orders
  • Quick approval for registered users
  • Pay in installments via mobile money or card
Shop materials
Contractor and credit for materials

Bank-backed credit for contractors

We partner with banks and financial institutions to extend lines of credit to contractors. Get materials for your projects and pay back over time so cash flow doesn't block you.

  • Credit lines for materials and equipment
  • Flexible repayment terms
  • For registered contractors with a bill of materials
Apply for credit

Banking partners

We work with leading banks and lenders to bring you materials financing and contractor credit.

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Partner with us

Credit for your customers (sellers)

If you're a supplier, we help you offer financing to your customers — self-managed or institutionally backed.

Seller financing options

Seller financing options

  • Self-managed: You already have credit? We help streamline and automate follow-up and payments.
  • Institutionally backed: Banks and lenders take over the credit. You get paid when the order is made; they collect from the customer in installments.
Apply for seller financing

Frequently asked questions