Merchant and
Agent Loans

Support MSME (micro, small and medium-sized enterprise) success in the markets you serve with Merchant and Agent Loans.

Merchant and Agent Loans enable businesses to quickly and easily access capital, which can then be repaid either in fixed monthly payments or through a portion of future sales. Whether used for expanding inventory, covering operational expenses or handling unexpected costs, this short-term credit solution empowers your business customers to grow their credit scores and help their business thrive.

Boost customer satisfaction and build long-lasting partnerships with our Merchant

Product features

Fast and easy process

Remove the stress of applications and approvals with a user-friendly application interface and rapid approval system

Competitive rates

Provide your valued business customers with a cost-effective financing option that helps them meet their financial goals

Transparent repayment structure

Build trust with your business customer community. Our solutions feature transparent repayment structures

Tailored solutions

Help businesses to address their business’ unique needs with customisable loan amounts


Provide your customers with a wider range of repayment options, so they can choose the one that best aligns with their cash flow

Who can use the

Financial Institutions

Provide your MSME customers with a wider range of lending solutions

Mobile Wallet Operators

Expand your business customer base and boost brand loyalty

0 m+
transactions processed daily
0 m+
monthly active users
0 m+
customers scored monthly
$ 1 b+
worth of loans processed


“Ezra fully understands the lending business and worked closely with us to align their services to our business needs with ongoing tweaks and iterations to meet performance goals. The Ezra team work fluidly to adapt and accommodate technical changes as a result of nuances across both platforms, whilst also jointly assessing how we can mitigate risk and manage operational issues.”

Touch N Go

Orange Money has partnered with Ezra and Access Bank Botswana to launch Botswana’s first Nano Loan product enabling convenient access to affordable real time credit. We are very pleased at the performance and growth of N’stakolle Loan Product and as such we recommend Ezra’s expertise for similar undertakings.

Orange Money

“I am happy to provide a recommendation for Ezra. Ezra provides airtime credit service to customers of Airtel Kenya. We confirm that they discharge their obligations well and hereby recommend them as a service provider for airtime credit service.”


“Access Bank has been working with Ezra for the past five years. The mobile based Nano Loan is the first of its kind in Mozambique, allowing customers of all levels of society to access financial services. We’ve successfully performed four million transactions in the past year alone. We would recommend Ezra Services Ltd for any similar undertaking in any geography that they choose to operate in.”


Speak to our partnership team

Get in touch to learn more about our products and services.