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Executive Summary

Mbare Value Wholesale (Pvt) Ltd is a Harare-based cash-and-carry wholesaler built to serve the FMCG supply needs of tuckshops, small supermarkets, vendors, caterers, NGOs, and rural traders. We buy groceries, beverages, cleaning materials, basic toiletries, and small household items in bulk from manufacturers and large distributors, then resell in wholesale quantities from our 600 m² warehouse near Mbare Musika. The business is registered in Zimbabwe as a Private Limited Company, and we trade in USD to align with supplier pricing, landlord payments, and financial reporting.

The commercial case is straightforward. Smaller retailers in and around Harare lose margin when they cannot access manufacturer-level quantities, stable pricing, or fast stock availability, and we solve that problem with dependable stock, clear wholesale pricing, and efficient cash-and-carry fulfilment. Our model is designed to keep inventory turning quickly, protect liquidity, and support repeat buying from traders who need same-day collection and predictable replenishment.

The market opportunity we are targeting

We are positioned inside one of Zimbabwe’s busiest FMCG sourcing corridors. Harare’s informal and semi-formal retail economy continues to depend on wholesalers that can supply core essentials quickly, and Mbare remains a key node for both urban and rural-bound traders.

Our immediate market consists of businesses that buy often, pay cash, and need reliable access to fast-moving stock. The opportunity is not theoretical. It is already visible in the daily purchasing patterns of traders who travel to Mbare because they value speed, basket breadth, and wholesale pricing that still leaves them room to earn.

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Why this business is financially attractive

• Year 1 revenue is projected at USD 1,728,000
• Gross margin is 20.8%
• Break-even revenue is USD 511,680
• Break-even timing is Month 1 within Year 1
• Year 5 revenue reaches USD 2,671,526
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Our funding requirement and capital structure

We are seeking USD 150,000 in total startup funding to launch and stabilise operations. The structure is USD 30,000 in equity from the founder and USD 120,000 in external funding, with debt modelled at 12.5% over 5 years.

This funding is matched to the way a wholesale cash-and-carry business actually scales. We need enough inventory depth to serve repeat customers immediately, a functional warehouse setup to move stock efficiently, and a working capital buffer to protect the business while order frequency builds.

What the funding enables

The requested capital allows us to open with the stock, equipment, and operating resilience needed to compete from day one. It also gives us the balance sheet strength to absorb early-stage supplier cycles, transport costs, and customer ramp-up without compromising service quality.

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Capital deployment priorities

• Inventory depth on fast-moving FMCG lines
• Warehouse fit-out and handling equipment
• Delivery capability for larger accounts
• Working capital reserve to support trading continuity
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Headline financial performance

Our forecast is built on consistent case movement and disciplined wholesale margins. Year 1 revenue of USD 1,728,000 is supported by an average gross profit of USD 360,000, with EBITDA of USD 274,800 and net income of USD 192,584. By Year 3, revenue grows to USD 2,145,739, and by Year 5 it reaches USD 2,671,526, reflecting steady expansion in customer count, basket size, and repeat buying.

The model remains resilient throughout the five-year period because we operate with strict cash-and-carry discipline and controlled overheads. Our debt service profile is also strong, with a Year 1 DSCR of 7.05 improving to 16.32 by Year 5, which supports lender confidence and leaves room for reinvestment.

At a glance

Metric	Value
Business name	Mbare Value Wholesale (Pvt) Ltd
Location	600 m² warehouse near Mbare Musika, Harare
Legal structure	Private Limited Company (Pvt) Ltd
Total funding required	USD 150,000
Founder equity	USD 30,000
External funding sought	USD 120,000
Year 1 revenue	USD 1,728,000
Year 3 revenue	USD 2,145,739
Year 5 revenue	USD 2,671,526
Break-even revenue	USD 511,680
Break-even timing	Month 1
Gross margin	20.8%

Our team is built for the realities of FMCG wholesale execution. I lead supplier pricing, finance, and commercial strategy, supported by Blake Morgan, an Operations Manager with a diploma in Supply Chain Management and 10 years of warehouse and logistics experience in Harare; Casey Brooks, a Finance and Administration Officer and qualified bookkeeper with 6 years of experience; and Reese Johansson, who leads Sales and Customer Relations with 5 years of experience selling to tuckshops and small supermarkets. That combination keeps the business focused on stock movement, customer retention, and cash control.

Our growth path is practical and measurable. We will build first on repeat customers in Harare and surrounding trading routes, deepen product availability on essential FMCG lines, and expand into delivery support and adjacent product categories once the base trade is stable. By Year 5, the business is forecast to generate USD 2,671,526 in annual revenue while maintaining strong profitability and a closing cash balance of USD 1,156,658.

Company Description

Legal Structure and Ownership

Mbare Value Wholesale (Pvt) Ltd is a Zimbabwe-registered Private Limited Company built to operate as a cash-and-carry wholesaler serving the FMCG trade in and around Harare. We trade from a 600 m² warehouse near Mbare Musika, giving us immediate access to the city’s busiest informal and semi-formal retail supply corridor and efficient reach into both urban and rural-bound traders.

The business is structured to move fast, hold lean working capital, and turn stock quickly. Our model is built around bulk purchasing, disciplined stock control, and cash collection on point of sale, which reduces credit risk and protects liquidity.

Ownership and Capitalisation

The company is funded with a total of USD 150,000 in startup capital. Of this, USD 30,000 is contributed as equity by the founder, and USD 120,000 is sought as external funding structured as debt.

This capital structure gives Mbare Value Wholesale (Pvt) Ltd enough strength to secure opening inventory, fit out the warehouse properly, and establish a delivery capability without overextending cash in the first trading cycle. The debt component is modelled over five years at 12.5%, and the forecasted cash generation comfortably supports repayment.

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Capital structure at launch

• Equity capital: USD 30,000
• Debt principal: USD 120,000
• Total funding: USD 150,000
• Debt cost assumption: 12.5% over 5 years
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Who We Are and Why We Exist

Mbare Value Wholesale (Pvt) Ltd exists because thousands of small retailers in Zimbabwe still struggle to buy FMCG stock reliably, at fair wholesale prices, and in quantities that match their daily turnover. We serve traders who cannot wait for inconsistent supply chains, cannot carry large manufacturer minimums, and cannot afford repeated transport trips across Harare to compare prices.

Our core business is the wholesale sale of groceries, beverages, cleaning materials, basic toiletries, and small household items. We buy directly from manufacturers and large distributors, then resell in wholesale quantities to:

• tuckshop owners
• small supermarket operators
• market vendors
• caterers
• NGOs
• rural shop owners and traders

We are positioned as a practical supply partner for customers who need stock they can trust, prices they can understand, and service that keeps their shelves moving. Our value proposition is simple: reliable stock, competitive wholesale pricing, and fast cash-and-carry fulfilment.

Location and Market Position

Our warehouse near Mbare Musika is deliberately located where trader traffic is already concentrated. This location reduces the friction customers face when sourcing stock because many already travel through Mbare to restock for urban townships and rural routes.

That physical position also strengthens our operating economics. It keeps transport times short, supports faster loading, and allows us to serve a broad base of repeat buyers without requiring them to move deep into industrial zones.

We see Mbare as a strategic commercial node rather than just a trading location. It is the point where informal retail, cross-border demand, township demand, and rural resupply all overlap.

Founding Date and Business Stage

Mbare Value Wholesale (Pvt) Ltd is established as a launch-ready trading company, with legal registration already completed in Zimbabwe. We are at the stage of capital deployment, warehouse preparation, and inventory build-up ahead of full operational trading.

The business is not being introduced as a concept or pilot. It is being positioned as a live operating company with a defined asset base, a named trading location, and a clear route to opening stock availability.

Mission Statement

Our mission is to keep Zimbabwe’s small retailers stocked by providing dependable FMCG wholesale supply at prices that preserve trader margins and reduce sourcing costs.

We do this by combining bulk procurement strength, lean overheads, responsive customer service, and consistent availability of core fast-moving items. Every element of the business is designed to help our customers buy faster, sell faster, and restock with less disruption.

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What will make us credible to repeat customers

• consistent stock on high-turnover FMCG lines
• transparent wholesale pricing
• quick loading and cash-and-carry fulfilment
• low-friction delivery support for higher-volume buyers
• repeat availability of the same core products every week
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Management and Operating Leadership

The business is led by a founder with over 8 years of experience in FMCG distribution and informal retail, including 4 years as a sales representative for a major Zimbabwean food manufacturer. That background gives Mbare Value Wholesale (Pvt) Ltd direct insight into how wholesalers price stock, how retailers buy, and which product lines move fastest.

Blake Morgan, our Operations Manager, brings a diploma in Supply Chain Management and 10 years of warehouse and logistics experience in Harare. His role is to keep receiving, storage, dispatch, and delivery disciplined so that stock is available when customers need it.

Casey Brooks, our Finance and Administration Officer, is a qualified bookkeeper with 6 years of experience in accounts and payroll for small trading businesses. She manages the control environment around payments, reconciliations, records, and statutory administration.

Reese Johansson leads Sales and Customer Relations. She has 5 years of experience selling to tuckshops and small supermarkets and a strong network in Mbare, Glen View, and Chitungwiza, which strengthens our repeat business pipeline.

What We Sell and How We Serve Customers

We focus on the goods that move every day and convert quickly for our customers. That includes staple groceries, drinks, detergent lines, basic toiletries, and household essentials.

We are designed for traders who buy in wholesale quantities and want immediate collection rather than long lead times. Our service model is built around cash-and-carry convenience, repeat-order discipline, and a growing customer relationship base that can be served through direct contact, weekly price updates, and efficient loading.

Customer Profile

Our main customers are business owners and traders aged 25 to 55 who typically manage monthly purchasing budgets ranging from USD 500 to USD 5,000. Many operate in informal or semi-formal settings, and their buying decisions are driven by price, availability, and speed of restocking.

These customers do not need complicated procurement processes. They need stock that is ready, margins that work, and a wholesaler that understands the pace of small retail in Zimbabwe.

Strategic Positioning

We compete on three things that matter most to our market:

• dependable availability of core FMCG lines
• competitive wholesale pricing
• fast movement from order to collection

We strengthen that positioning through direct relationship selling, transparent weekly price communication, and customer convenience. Our aim is to become the wholesaler that traders return to because they know they will find what they need, at a price that still allows them to earn.

Core Business Identity

Mbare Value Wholesale (Pvt) Ltd is a cash-and-carry FMCG wholesaler built for Zimbabwe’s high-frequency retail economy. We are located where trade already flows, structured to protect cash, and focused on serving customers who need reliable stock to keep their businesses running.

Our model is straightforward, disciplined, and scalable. We buy in bulk, we sell in bulk, and we build loyalty through consistency.

🔒 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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