For banks, MFIs & suppliers
Verified SME records for better lending decisions.
Evidara helps small businesses turn daily sales, stock, debts, payments, and proof records into structured reports lenders can review with more confidence.
The problem
Most Zimbabwean SMEs trade in records lenders can’t read.
A working tuckshop, a busy retailer, or a growing wholesaler all generate the activity a lender wants to see — but that activity lives in notebooks, on receipts, in WhatsApp messages, and in the owner’s memory.
Without structured records, even profitable businesses get turned away. Lenders end up guessing, and SMEs end up locked out of capital they could repay.
The solution
Daily activity, captured once, ready when funding matters.
Evidara is a phone-first ledger built for how Zimbabwean SMEs actually trade — cash, mobile money, bank transfers, pay-later, stock movement, customer debts, supplier invoices.
As the business uses Evidara day to day, those entries quietly become a structured trading history. When the owner needs a Business Health Report for a bank, MFI, or supplier conversation, it’s already there — backed by the activity that produced it.
What lenders can review
Eight signals drawn from the business owner’s own records.
Each Business Health Report bundles these into one document. None of it is invented — every figure traces back to an entry the business owner made in Evidara.
Sales history
Day-by-day trading activity recorded in the business owner’s own hand.
Inventory value
Stock items on record — a window into operating assets and stock-on-hand.
Payment breakdown
Cash, EcoCash, OneMoney, Mukuru, bank transfer, card, pay-later — recorded in one place.
Customer debts
Receivables and ageing buckets show collection discipline over time.
Proof uploads
Receipts, deposit slips, and confirmations linked back to the records they prove.
Reconciliation status
End-of-day close-out records show cash control and reduce uncertainty.
Business Health Report
A single report with the Record Strength Score and a lender preparation checklist.
Tamper-evident report hash
Each saved report carries a SHA-256 hash and public verify URL you can confirm.
How Evidara reports work
Generated by the business. Verified by you.
Stage 01
Records collected
The business uses Evidara day to day — sales, stock, debts, payments, proofs.
Stage 02
Snapshot generated
When asked for funding, the owner generates a Business Health Report. The snapshot is frozen.
Stage 03
Hash sealed
The snapshot gets a Report ID, generated date, and SHA-256 hash — its tamper-evident seal.
Stage 04
You verify
Scan the QR or open the verify URL. The hash you see should match the hash on your copy. If it doesn’t, the report was altered.
Verification is public — no Evidara account required. Visit evidara.org/reports/verify/<report-id> and compare the hash shown against the one on the report you received.
Partner with Evidara
Pilot partners wanted.
We're working with a small number of banks, MFIs, and wholesalers who want to build healthier risk decisions on stronger SME records. If that's you, we'd like to hear what would make Evidara reports more useful in your review workflow.
Evidara does not assess creditworthiness, act as a credit bureau, or guarantee any lender or supplier decision. Evidara does not audit the records its users enter and is not a financial advisor. Reports are prepared from the records the business owner enters in Evidara and are intended to support, not replace, your own due diligence.