Broke Relief Cash Services is one of Namibia’s most established micro-lending institutions, fully licensed and regulated by NAMFISA and a member of the Microlenders Association of Namibia. Specialising in adaptable, short-term financial solutions, they offer a range of products — from once-off loans and term loans to their innovative Zula Wallet for instant cash access — all built around transparency, confidentiality, and responsible lending.

For years, Teruza has been their technology partner, developing and maintaining the end-to-end system that powers every aspect of their business. This isn’t just a loan application form — it’s a full-scale fintech platform handling client onboarding, creditworthiness evaluation, compliance, loan approvals, disbursements, repayments, and reporting, all within a secure, scalable architecture.

The platform streamlines their entire lending process, dramatically reducing the time between application and payout. It also integrates directly with payment systems for EFT and E-Wallet disbursements, automates debit order collections, and includes robust controls to ensure compliance with Namibia’s strict lending regulations. Every loan type — from their quick-turnaround once-off loans to multi-month term loans and the flexible Zula Wallet — is fully supported within a single, centralised system.

Our work enables Broke Relief to operate 24/7, handle high application volumes, and provide a seamless client experience, whether on mobile or desktop. The result is a business that can scale efficiently while maintaining its strong reputation for transparency, honesty, and client care.

“Broke Relief is a perfect example of how Teruza can transform an entire business operation. What started as a lending service is now a streamlined, automated, and compliant digital platform — capable of running a high-volume financial operation with precision.”

— Ardi Coetzee, CTO, Teruza