EFTA Ltd is an award-winning Tanzanian finance company specialised in serving small and medium enterprises and farmers. We focus on equipment loans of up to USD 100,000, with no collateral except for the equipment itself. EFTA is the first company in Tanzania seeking to employ financial leasing to boost employment levels in the country and bring business growth opportunities to the “missing middle”. Africa’s private sector is heavily made up of informal small enterprises who lack the formality and collateral requirements sought by commercial banks and therefore lack access to the finance they require to grow their businesses. EFTA’s zero collateral requirement addresses one of the key constraints on small enterprise borrowing levels, allowing our customers to pursue more ambitious growth plans. We are head-quartered in Moshi and have offices across the country, serving entrepreneurs within a two-hour drive time of these offices.