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Executive Summary

TengaPay Fintech (Private) Limited is a Zimbabwean private limited company headquartered in Harare, built to serve the merchants who keep local commerce moving every day. We provide a mobile-first payments and micro-savings platform that helps tuckshops, market vendors, commuter transport operators, salons, car washes, and other micro-SMEs accept instant digital payments, record sales, and save small amounts in USD or ZWL-linked wallets through Android and USSD.

Our business is designed for the informal and semi-formal merchant economy in Harare and Chitungwiza first, with expansion planned for Bulawayo and other urban centres once onboarding and support are stable. We are finalising Reserve Bank of Zimbabwe licensing requirements through a partnership-led model with an existing licensed bank, which allows us to move quickly while building the compliance, settlement, and merchant trust required for scale.

The commercial problem we solve

Zimbabwe’s small merchants lose money when they depend only on cash. Cash creates theft risk, weak recordkeeping, reconciliation disputes, and daily working-capital leakage, while many digital options are either too expensive, too slow, or too complex for micro-traders to use consistently.

TengaPay solves that problem with a single workflow that combines payment acceptance, sales visibility, and automatic micro-savings. That gives merchants a practical tool they can use at the point of sale, not another system they must learn later.

Market opportunity in Harare and Chitungwiza

Our immediate market is large enough to support disciplined growth without relying on national saturation. We are targeting merchants with monthly turnover between USD 500 and USD 5,000, especially those already feeling pressure from customers who prefer digital payments and from the rising cost of handling physical cash.

Harare and Chitungwiza together contain a dense cluster of informal and small formal merchants, and we are building a service model that can convert that concentration into recurring transaction volume. By Year 1, we are targeting 800 active merchants, with a clear pathway to expand into Bulawayo once the model is proven.

:::reassure Why this opportunity is attractive

• Merchants already transact daily.
• Digital payment demand is visible in urban trading zones.
• Every successful transaction creates data, retention, and future credit potential.
• Subscription revenue adds stability beyond transaction fees.
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What we are asking for

We are raising USD 80,000 in total funding, structured as USD 40,000 equity and USD 40,000 debt. The capital is being deployed to launch the platform, complete integrations, support merchant acquisition, and carry the business through the early scale-up phase.

The funding is designed to support execution, not speculation. It gives us the runway to activate merchants, maintain support quality, and absorb the initial market-entry period while transaction volume and subscription uptake deepen.

Headline financial performance

Our five-year model shows a business with strong software-led economics and improving profitability after launch. Year 1 revenue is USD 132,000, rising to USD 188,562 in Year 2 and USD 295,164 in Year 5.

The model shows gross margin at 76.0% across all forecast years. EBITDA improves from USD 4,920 in Year 1 to USD 94,534 in Year 5, and net income moves from negative USD 3,580 in Year 1 to USD 68,426 in Year 5.

Break-even is reached at approximately Month 24 in Year 2, with an annual break-even revenue requirement of USD 136,711. That timeline reflects a deliberate build phase in Year 1 and a stronger operating leverage profile from Year 2 onward.

:::warning Financial reality we are stating clearly
Year 1 is an investment year, not a profit year.

• Year 1 net income is negative USD 3,580
• Break-even is not immediate
• Profitability strengthens materially from Year 2 onward
  :::

At a glance

Metric	Value
Business name	TengaPay Fintech (Private) Limited
Base location	Harare, Zimbabwe
Initial operating focus	Harare and Chitungwiza
Year 1 revenue	USD 132,000
Break-even timing	Approximately Month 24
Year 5 revenue	USD 295,164

Why we will win

TengaPay is built around the realities of Zimbabwean micro-commerce. We are not asking merchants to change how they trade before getting value. Instead, we are giving them a practical payment tool that works on Android and USSD, supports low-friction onboarding, and adds savings and sales tracking inside the same platform.

Our competitive edge comes from relevance, not scale. Established providers such as EcoCash merchant services, OneMoney, CBZ, and FBC already have market presence, but TengaPay is designed specifically for merchants who want faster onboarding, clearer pricing, offline-friendly usage, and hands-on field support.

The leadership team is built to deliver that model. I lead product, strategy, and partnerships with 7 years of experience in digital payments and mobile money in Zimbabwe. Skyler Park, a chartered accountant with 10 years of experience in financial services, handles finance and reporting. Riley Thompson, a software engineer with 8 years of experience building fintech and telecoms systems in Southern Africa, leads technology. Quinn Dubois, with 9 years of sales experience in FMCG and telecoms, drives merchant acquisition, and Jordan Ramirez, with 6 years of contact centre and field operations experience, leads support and retention.

TengaPay Fintech (Private) Limited is positioned to become a trusted merchant operating layer for Zimbabwe’s informal economy, with a clear market, a credible compliance pathway, and a five-year financial profile that supports profitable scale.

Company Description

Registered Entity, Location, and Operating Footprint

TengaPay Fintech (Private) Limited is a Zimbabwean private limited company headquartered in Harare. We began with a clear commercial focus on Harare and Chitungwiza, where cash-heavy trade, informal commerce, and under-served micro-merchants create the strongest demand for fast, traceable digital payments.

Our company is structured to operate as a regulated fintech business in Zimbabwe, with Reserve Bank of Zimbabwe licensing requirements being finalised through partnerships with an existing licensed bank. That structure allows us to move quickly while building the compliance, settlement, and merchant onboarding controls needed for scale.

We transact and report in USD because that is the practical currency for formal-sector fintech activity in Zimbabwe. It also gives investors a clearer basis for evaluating merchant revenue, platform economics, and cross-channel collections.

The Business We Operate

TengaPay Fintech (Private) Limited provides a mobile-first payments and micro-savings platform for small businesses and informal traders. We help merchants accept instant digital payments, record sales, and automatically set aside small savings in USD or ZWL-linked wallets through a simple Android app and USSD access.

Our core customers are:

• tuckshops and convenience shops
• market vendors and street traders
• commuter transport operators
• salons, car washes, and other micro-service businesses
• small merchants that need affordable payment acceptance and better cash visibility

These businesses face the same operational pressure every day: cash leakage, unreliable change, theft risk, and poor access to formal banking. TengaPay is built for merchants who need a low-friction tool that works in real trading conditions, not a bank product designed around salaried customers.

We solve that problem by combining payment acceptance, sales tracking, and savings discipline in one system. Merchants can use a QR code, USSD, or a basic POS app to receive money instantly and maintain a transaction record that can later support working capital access and credit assessment.

:::reassure Why the model is commercially attractive
We are focused on a segment that already transacts daily, already values speed, and already loses money when payments fail or cash is stolen.

That means adoption is driven by visible business pain, not by speculative consumer demand.
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What TengaPay Sells

Our product offering is intentionally simple at the merchant level and scalable at the platform level. The standard merchant account includes payment acceptance, transaction visibility, and micro-savings functionality, while premium tiers add analytics, inventory tools, support, and API access.

We serve the market through three commercial layers:

• Starter plan for merchants that want the app and pay-as-you-go acceptance
• Growth plan for merchants that want lower fees and reporting tools
• Pro plan for SMEs that want priority support and API access

This structure allows us to serve the smallest informal trader without excluding merchants that need more control and data. It also gives us multiple revenue paths from the same customer base, which reduces dependency on transaction volume alone.

Why the product fits Zimbabwe’s trading environment

Our platform is designed around the realities of Zimbabwean commerce:

• inconsistent connectivity
• variable device quality
• heavy use of Android smartphones
• merchant preference for face-to-face support
• demand for simple, immediate settlement and proof of payment

The platform works offline and syncs when connectivity returns, which is critical for market stalls, commuter routes, and busy trading zones where network access can be unstable. That feature is not a convenience add-on for us; it is a core operating requirement.

Founding Position and Ownership

I am the founder and majority shareholder of TengaPay Fintech (Private) Limited. I lead product direction, strategic partnerships, and commercial execution, drawing on 7 years of experience in digital payments and mobile money in Zimbabwe, including merchant onboarding and bank and mobile network integrations.

The senior leadership team is built to cover finance, technology, sales, and operations:

• Skyler Park, Chief Financial Officer, is a chartered accountant with 10 years of experience in financial services and has worked on microfinance and mobile money audit projects in Harare.
• Riley Thompson, Chief Technology Officer, is a software engineer with 8 years of experience building fintech and telecoms systems in Southern Africa, with strong capability in APIs, security, and cloud infrastructure.
• Quinn Dubois, Head of Sales and Partnerships, brings 9 years of sales experience in FMCG and telecoms, with distribution expertise across township and rural merchant channels.
• Jordan Ramirez, Operations and Customer Support Lead, has 6 years of contact centre and field operations experience at a major mobile network operator, with a focus on merchant support and retention.

Together, the team combines local market knowledge, financial discipline, technical delivery, and merchant-facing execution. That mix matters because our business depends on merchant trust, regulatory control, product reliability, and field onboarding speed.

Geographic Rollout and Customer Focus

Our initial operating base is Harare, with Chitungwiza as the first high-density expansion zone. These markets are dense, transaction-heavy, and suitable for direct merchant acquisition through field sales and partnerships.

The business is designed to scale next into Bulawayo and other urban centres once the Harare merchant base is established. We are prioritising locations where merchants already receive frequent customer traffic and where digital payment acceptance can create immediate utility.

Our ideal customer is a merchant aged 25–50 with monthly turnover between USD 500 and USD 5,000. This segment is large enough to support recurring fee income, but still underserved by traditional banking processes that often require more documentation, longer onboarding, and higher operational discipline than micro-merchants can maintain.

:::tip How we stay close to the customer
Our merchant acquisition model depends on field agents, in-market demonstrations, and practical training.

We do not rely on merchants figuring the product out alone. We install, onboard, and support them in the environment where they trade.
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Mission and Strategic Identity

Our mission is to make everyday commerce in Zimbabwe easier to run, easier to record, and easier to grow by giving small merchants a payment and savings tool they can trust. We exist to convert scattered cash-heavy trade into structured digital commerce with better visibility, lower loss, and a pathway to future financial inclusion.

That mission drives every operational decision we make:

• simplify the merchant sign-up journey
• keep the interface usable on low-cost Android devices
• support USSD for users with limited app adoption
• build around fast onboarding and practical support
• create transaction data that can support future credit products

TengaPay Fintech (Private) Limited is not positioned as a generic payments company. We are building a merchant-first fintech platform for Zimbabwe’s informal and micro-SME economy, with local relevance, regulated settlement, and a product designed for real trading conditions.

Why Investors Should Understand Us Clearly

Our business combines a focused market, a clear legal structure, and a product that solves a daily transaction problem. We are building in a segment where merchant need is obvious, switching from cash is commercially beneficial, and platform usage can expand through network effects once trust is established.

The long-term value of TengaPay is not only in payments revenue. It is in the data, discipline, and merchant relationships created by every transaction, every savings action, and every support interaction we capture from Zimbabwe’s small-business market.

🔒 Continues in the full version

The remaining 9 sections of this document cover:

• Products and Services
• Market Analysis
• Competitive Analysis
• SWOT Analysis
• Marketing and Sales Strategy
• Management and Organization
• Operating Plan
• Financial Plan and Projections
• Funding Request

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