Four verticals get full treatment because loan density and compliance complexity concentrate there. The other eight stay one line each in the catalog — full breadth for coverage, depth where it converts.
V6 · Deep-dive
Contractors and tender-chasers
Tender eligibility lives or dies on paperwork: CRB registration, a valid Tax Clearance Certificate from TRA’s IDRAS (valid TIN, all required returns filed, payment proof or an approved plan), and bid files assembled to spec. Our product runs TCC-readiness check → cleanup → tender documents (SL10) → contract-finance proposal (SL3). Start before the tender calendar starts — TCC surprises on deadline day are the most expensive kind.
- TCC readiness check and cleanup
- Tender document assembly (SL10)
- Contract-finance proposal (SL3)
Open the page →V4 · Deep-dive
Private schools
Payroll-heavy by nature: NSSF registration from your first employee, each staff member registered within 30 days, 10% employer plus 10% employee on gross salary, and WCF obligations once you pass five employees. Full Financial Management at TZS 400,000 a month — payroll included — pitches cleanly as a per-pupil compliance cost, and fee-income stability is exactly the asset-finance story lenders want to hear.
- Tier B retainer: books, TRA, NSSF, payroll
- Staff registration and schedules
- Fee-income asset-finance file
V5 · Deep-dive
Clinics and pharmacies
Same employer duties as schools — NSSF from employee one, 30-day registrations, the 20% joint contribution — plus sector licences that must stay current alongside the books. We run the Tier B stack (TZS 400,000 a month, payroll included) with a licence calendar, so an inspection and a loan application both find you ready.
- Tier B retainer with licence calendar
- NSSF schedules and WCF guidance
- Lender-ready statements
V3 · Deep-dive
Guesthouses and lodging
18% VAT on accommodation and food and beverage, the hotel levy framework, plus tourism accommodation licensing and classification — and beneath it all, occupancy records that must support the numbers. Our product: licence-calendar setup, then Basic Compliance at TZS 250,000 a month, then an occupancy-backed expansion proposal when you are ready to grow.
- Licence-calendar setup
- Tier A retainer from TZS 250,000 a month
- Expansion proposal (SL3)
V1 · Deep-dive
Market traders and dukas
EFD receipts, the online-trader requirements where they apply, and the licence plus clean filings that unlock MSE facilities. Enforcement-heavy messaging backfires with traders — we lead with fairness and the facility it unlocks. Entry is the formalisation on-ramp (service from TZS 250,000 plus official fees), converting to a Tier A retainer at handover.
- Formalisation on-ramp pack
- EFD and filing setup
- Tier A retainer at handover
