Contact us
Join Utumba's financing ecosystem and offer flexible buy now, pay later options to thousands of customers across Zambia. Partner with us to grow your lending portfolio on a trusted marketplace.
Submit your application with your institution details and regulatory credentials.
Complete legal agreements, provide compliance documents, and set up your account.
Set up your financing rules, interest rates, deposit requirements, and integration.
Once approved, your financing options appear on eligible products across the platform.
We partner with licensed, regulated financial institutions that share our commitment to responsible lending
A dedicated admin portal with role-based access for your team -- admins, underwriters, operators, and auditors.
Track financing requests, approval rates, settlement volumes, and portfolio performance in real time.
Configure auto-approval rules based on amount thresholds and customer scoring to accelerate decisions.
Automated settlement processing, reconciliation tools, and a wallet for balance tracking and top-ups.
Real-time alerts for late payments, SLA breaches, defaults, and settlement exceptions that need attention.
Choose API, manual, or hybrid integration modes. Webhooks, secure auth, and statement exports included.
Licensed banks, microfinance institutions, and fintech companies offering buy now, pay later services with regulatory approval to offer consumer lending in Zambia are eligible. You must have AML/KYC compliance policies in place.
You will need to provide a Memorandum of Understanding (MOU) or Master Service Agreement, a data sharing agreement, AML/KYC policy documentation, your regulatory license or registration certificate, and settlement account details.
We support three integration modes: API (fully automated decisioning via your endpoint), manual (review requests in the partner dashboard), or hybrid (auto-approve below a threshold, manual review above). Webhooks and secure authentication are included.
Once you submit your application and all required documents, our team reviews partnerships within 5-10 business days. We will notify you via email once your partnership is approved or if we need additional information.
Stores are paid upfront upon financing approval and customer deposit. Repayments flow through the platform with automated reconciliation. You get a dedicated wallet, detailed settlement reports, and tools to handle exceptions.