App Vehicle & Asset Finance

Global Expansion of the Vehicle and Asset Finance (VAF) Ecosystem

Products and Services

• Finance Lease: A "Lease-to-Own" model where the bank buys the asset and the customer gains title for a nominal fee at the end of the term.
• Asset-Based Term Loan: Tailored for VAT-exempt entities; the bank provides a specific loan using the asset itself (chattel mortgage) as security.
• Sale and Lease-Back: A sophisticated corporate liquidity tool where companies "sell" unencumbered assets to to raise working capital, then refinance them over time.
• Flexible Personal Finance:
  • New Vehicles: Up to 90% financing; 84-month tenure.
  • Used Vehicles: Up to 70% financing; 60-month tenure (assets up to 12 years old).

Finance Lease – Lease-to-Own Simulator

Asset Price (TZS) Tenure (Months) Annual Interest Rate (%)

Asset-Based Term Loan (Chattel Mortgage)

Asset Value (TZS) Loan-to-Value (%) Tenure (Months) Interest Rate (%)

Sale & Lease-Back – Working Capital Simulator

Asset Market Value (TZS) Liquidity Released (%) Refinance Tenure (Months)

Flexible Personal Vehicle Finance

Vehicle Type New Vehicle (90% / 84 months) Used Vehicle (70% / 60 months, ≤ 12 years old) Vehicle Price (TZS) Vehicle Age (Years – for used) Interest Rate (%)

AI Portfolio Insights (Demo)

📊 Simulate different VAF products to view automated risk and affordability insights.