Formalise first, borrow first

Micro, high churn — the owner who formalises first wins the MSE starter loan. Daily takings recorded, filings current, licence in hand.

The compliance pains

V8 · Takings

Cash and mobile-money takings recorded daily — the record MSE lenders read.

V8 · Staff

Rental and commission arrangements documented so income splits never become disputes.

V8 · Licence

Business licence and filed returns — the two documents every starter facility asks for.

Entry is the formalisation on-ramp (SL1).

On-ramp pack. BRELA, TIN and NSSF setup plus filing configuration — service from TZS 250,000 plus official fees.
Tier A retainer. Basic Compliance at TZS 250,000 a month or Full Financial Management at TZS 400,000 a month, payroll included in Tier B.

Figures above are the approved bands (Task 1.3, 2026-09-29) — the only prices we quote. Every engagement is quoted in writing before we start.

Our turnover is tiny. Is bookkeeping worth it?

It is the cheapest loan application you will ever file: documented takings plus licence equals MSE eligibility.

Do chair-rental stylists count as staff?

The health check classifies each arrangement so registrations and splits are correct.

How fast can we be loan-ready?

On-ramp plus three to six months of clean records is the honest answer — start now.

What does it cost monthly?

Basic Compliance at TZS 250,000 a month covers books, reconciliation and TRA returns.

We review your TRA, NSSF and books and tell you what to fix first and what it costs. No obligation.