Namibia’s Asset-Backed Fintech Platform
Two products.
One infrastructure.
Built for Namibia’s
informal economy.
The Bridge finances the vehicle that gets traders to market. The Engine gives trader pods the tools and working capital rhythm to grow once they’re there.
Structured for NAMFISA Sandbox & SPV Registration
Who We Serve
Built for Namibia’s Informal Economy
Namibia’s informal economy runs on people who move goods, move themselves, and move each other forward — taxi driver-owners on inter-town routes, and market traders working in pods rather than alone.
Eshisha builds asset-backed infrastructure for both: the vehicle that gets a driver to market, and the platform that gives a trader pod shared tools, shared data, and shared accountability.
- Taxi driver-owners financing their own vehicle through the Bridge
- Informal market traders organised into ten-member Engine pods
- Pods accessing the platform through the Agent Pocket Bank
- Institutional partners on-lending capital through the SPV
Our Products
Bridge & Engine
Every Eshisha product on this site is asset-backed, purpose-built, and documented under Namibian credit and consumer-protection law.
The Bridge — Taxi Acquisition
An asset-backed licensed microlending facility that finances the vehicle a driver needs to earn, structured with Eshisha retaining ownership of the vehicle until the final instalment is paid.
- N$65,000–N$100,000 per vehicle, structured as a licensed microlending transaction under the Microlending Act — the full range sits within the NAMFISA moneylender cap, so every Bridge vehicle uses the same financing format.
- Eshisha is recorded as Titleholder on NaTIS for the duration of the facility; the driver is Registered Owner, with full possession and operational use of the vehicle throughout.
- On full settlement, Eshisha issues a Letter of Release and the vehicle's registration document so the driver becomes sole Titleholder.
- 7.5% Maintenance Reserve held in a segregated trust account for the driver's own vehicle upkeep.
- Remote GPS immobilisation, used strictly under a disclosed notice-and-cure procedure — never as a substitute for lawful process.
The Engine — Informal Traders Pod
Self-governing pods of ten micro-traders, backed by a written joint-liability agreement among peers, with shared access to Eshisha's trading platform.
- Flat N$90-per-pod, per-week platform access fee — identical for every pod member whether or not they draw credit.
- Ledger, market-data, and dispute-resolution tooling built for informal traders.
- Joint liability is a signed, written peer-suretyship arrangement — a social guarantee, never a claim over any member's stock or property.
- Designed for NAMFISA Regulatory Sandbox testing ahead of wider rollout.
Instant Access
Scan to Reach the
Agent Pocket Bank
The Agent Pocket Bank is the point-of-sale layer Engine pods use to record savings, draws, and repayments. No typing a URL — point a phone camera at the code and the platform opens directly.
- Works with any smartphone camera — no separate app install
- Built for Engine pod leaders logging member activity in real time
- Available wherever a pod trades, on or off the main market
Agent Pocket BankScan to access instantly
Recognition Program
Eshisha Uplift Rewards
Uplift recognises the discipline that already runs through the Bridge and the Engine — on-time payments, active pod trading, and consistent platform use all build a driver’s or pod’s standing over time.
On-Time Bridge Instalments
Consistent, on-schedule instalment payments build a driver's standing on the platform.
Active Engine Participation
Pods that trade, save, and settle consistently through the Agent Pocket Bank are recognised as high-performing pods.
Introducing New Pod Members
Existing pod members can bring in new traders to grow their own pod's shared capacity.
Using the Agent Pocket Bank
Regular, accurate use of the platform strengthens a pod's data history and standing.
Our People
Faces of the Bridge & the Engine
Real driver-owners and real trader pods — the people Eshisha’s infrastructure is built around.
Institutional Investors
The Social Impact Fund Management Trust — a dedicated debt vehicle, structurally insulated from Eshisha's own operating risk, built to safeguard on-lending capital
Eshisha is structuring a pooled debt facility, held through a dedicated Special Purpose Vehicle, to raise seed on-lending capital without diluting the equity of the core operating platform. The SPV is structured for registration under Namibia’s Pension Fund Regulations 28 and 29 — the framework governing unlisted investment allocations by Namibian pension funds, including GIPF.
8.5% p.a.
Target Preferred Return on invested capital
80 / 20
Investor / Manager split above the preferred return
N$10M
Target facility size, seed tranche
Asset-backed security
- Eshisha Microfinance is recorded as Titleholder on NaTIS for every Bridge-financed vehicle, with legal title retained until settlement in full.
- Segregated trust accounts, administered under the Trust Administration Act 11 of 2023.
- Pods are the point of first risk origination in the portfolio — unsecured, peer-based credit disciplined by the same joint-liability mechanics as Stokvels, ROSCAs, and SACCOs, formalised into a signed Suretyship and Contribution Agreement.
- Capital allocated across on-lending, operations, and a dedicated Capital Reserve Buffer sized specifically to absorb Pod-level shortfalls ahead of the Preferred Return — full allocation disclosed in the Information Memorandum.
Regulatory framework
- Trust registration with the Master of the High Court comes first; ImpactWise Fund Managers (Pty) Ltd, the separate company appointed to manage the Trust, pursues its own NAMFISA Unlisted Investment Manager registration under Regulation 29 as a later, sequential filing.
- Pod ecosystem submitted for admission to the NAMFISA Regulatory Sandbox.
- Affordability, disclosure, and ethical-collections practice aligned ahead of the pending Consumer Credit Bill.
- Full legal structure, waterfall mechanics, and risk disclosures available under NDA in the Information Memorandum.