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Our Products

What Motivates VIRL

The strong belief that Small Holder Farmers can add value to the main stream economy
 if they get financial assistance at the right time, for the right purpose, at the right cost.


An input loan gives access to inputs and target small scale farmers



Value chain finance provides financing at any stage of production. It targets both tight and loose value chain



An asset finance loan enables automation of production and improves efficiency



Life enhancement loan helps with smoothing expenditure and gives the freedom to do more for your family. This loan covers short term needs such as medical expenses, household , education , building and emergency loans.



Working Capital loan provides capital to back up business ideas.


As VIRL celebrates Women, we celebrate Nobukhosi Ndlovu who is an Entrepreneur and  a beneficiary of VIRL loans. She, her out-growers, as well as staff members combined, have accessed loans through the following products- Asset Finance, Working Capital, Value Chain Financing  and Life Enhancement Loans. VIRL CHANGING LIVES ONE LOAN AT A TIME.

Nobukhosi Ndlovu

VIRL Client, Nutrie Foods

Jasper Manhiri is a farmer who resides at Mwoyoweshumba area. He is a retired headmaster and he left his job in 2008. After he left his job he decided to focus on doing different income generating activities which include piggery, operating a general dealer shop and butchery. As a result, he came to us for assistance and applied for a loan to boast his projects. His first loan was a loan amount of $52,137 which he used to buy 3 cows, stock feeds and medicines. His second loan was of amount of $38,700 and the third loan was $78,205 which he used to build a tank to supplement his water system.

Mr Manhiri indicated that he managed to buy a grinding mill from the proceeds from his piggery project and currently he is building the structure for the grinding mill.  Mr Manhiri was very happy with the services that are being offered by VIRL to his businesses and the community. He is happy with VIRL products and flexible repayments.

Jasper Manhiri

VIRL Client, Farmer

In February of 2020, VIRL Financial Services celebrates the 10th Anniversary of Changing Lives and continues to soldier to work towards bettering the lives of both their urban and rural clients, one loan at a time.

Lynn Gwenzi

VIRL Team, VIRL Financial Services