Back the build. Keep your equity.
Four instruments, one loan book. Debentures, ring-fenced pools, forward-flow securitisation, or pooled investing. Choose how your capital enters.
Rates correct as at June 2025. Capital at risk on all investor products.
Purpose: To give formally employed Emaswati a fair, dignified alternative to loan sharks — and to make saving automatic.
Positioning: EasiBucks is Eswatini's FSRA-licensed payday lender for formally employed workers. Advances E 200–E 3,000 within 24 hours at a single 15% flat monthly rate, repaid by automatic salary deduction, with no rollovers, no compound interest, no debt collectors — and 10% of every loan automatically building a personal savings cushion.
| Tier | Promise |
|---|---|
| Master | "Your money's home." |
| Pillar | "FAST. FAIR. FORWARD." |
| Behavioural | "One loan. One repayment. Zero surprises." |
| Differentiator | "We make you save." |
| Anti-position | "Borrow without the sharks." |
| Product | Type | Audience |
|---|---|---|
| EasiLoan | Retail payday advance | Borrowers (E 200–3,000, 15% flat) |
| EasiSave | Forced savings (10% of loan) | Borrowers |
| 13th Cheque Booster | CSR rebate / escrow trust | HR directors, CSR leadership |
| For Employers | Workplace benefit channel | HR / business owners |
| Partner Programme | Referral agent commissions | Community connectors |
| EasiBond | Uncollateralised debenture | Angel investors, mentors |
| EasiCapital | Ring-fenced revolving pool | Corporate capital partners |
| EasiYield | Forward-flow securitisation | Institutional credit funds |
| EasiInvest | P2P lending pool | Retail / diaspora investors |
For angel investors & mentors
For corporate capital partners
For institutional credit partners
| Tier | Definition |
|---|---|
| Tier 1 | New borrower (no history) |
| Tier 2 | 1+ on-time repayment |
| Tier 3 | 3+ on-time repayments |
| Tier 4 | 6+ on-time repayments (EasiSave 100% unlock — seasoned) |
| Tier 5 | 12+ on-time repayments across two cycles (top-tier) |
EasiYield acquires cash flows only from Tier 4–5 books — the most seasoned, salary-deduction-secured receivables.
For retail & diaspora investors
"The discipline of a stokvel, the security of payroll."
| Metric | Actual | Target | Status |
|---|---|---|---|
| 30-day PAR | 2.1% | < 3% | Within target |
| 90-day PAR | 0.8% | < 1.5% | Within target |
| Default rate (12 mo) | 1.9% | < 3% | Within target |
| Recovery rate | 82% | > 75% | Exceeds |
| EasiSave 3-rep unlock | 73% | > 70% | Exceeds |
| EasiSave 6-rep unlock | 44% | > 40% | Exceeds |
| Cohort | Disbursed | Default | Recovery | Note |
|---|---|---|---|---|
| Q1 2025 | E 1.2M | 1.4% | 84% | Strong — Tier 3+ borrowers |
| Q2 2025 | E 1.6M | 1.9% | 82% | New employer onboardings |
| Q3 2025 | E 2.1M | 2.3% | 80% | Seasonal — agricultural |
| Q4 2025 | E 2.4M | 2.0% | 83% | Festive — 13th Cheque |
| Tier | Instrument | Seniority |
|---|---|---|
| 1 | EasiInvest (P2P pool) | Most senior — paid first |
| 2 | EasiYield (forward-flow) | Senior — Tier 4/5 receivables |
| 3 | EasiBond (debenture) | Mezzanine — uncollateralised |
| 4 | EasiCapital (pool) | Subordinated — Shield Clause |
| 5 | 13th Cheque Booster | Most subordinated — absorbs defaults first |
The Shield Clause specifies that any loan defaults from the workforce deplete the year-end bonus pool first, before depleting EasiBucks's operating margin. The bonus pool acts as the first-loss position — protecting both the senior investor stack and EasiBucks's operating continuity.
Talk to us first.
| Channel | Details |
|---|---|
| +268 7644 3377 (Mon–Sat) | |
| Landline | +268 2 404 8081 (office hours) |
| hello@easibucks.com | |
| Web | easibucks.com |
| Address | Lot 71, Dzeliwe Street, Mbabane, Kingdom of Eswatini |
| FSRA escalation | +268 2404 3000 · info@fsra.org.sz |
© 2025 Visibility Pty Limited (trading as EasiBucks). FSRA-licensed. Rates correct as at June 2025.