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  • About us
  • About Cim Finance
  • Cim Finance

About Cim Finance

Cim Finance

Our philosophy
At the core of our philosophy, Cim Finance has a mission to uplift lives and build better futures of our customers.

We are a non-banking financial institution that develops innovative integrated consumer and business products and services, for less privileged communities or for small and medium businesses, which require flexible solutions to improve their quality of life and grow their activities. We have the ability to uplift lives and build better futures. A housing Credit Facility can help empower individuals to enhance their families’ comfort build homes for their families; a business Credit Facility can create job opportunities for thousands….

We recognise we have obligations to multiple stakeholders and strive to consistently deliver value to all of them. We believe that dealing with financial services is more than just being a commercially-centred enterprise. We are committed to the philosophy of doing the right thing for our customers and seek to positively help assist the communities we are present in, and deliver social value. Our services are created to be low cost, easily accessible, disruptive to traditional practices and amazingly simple to use. Our local expertise coupled with our technologically innovative framework, means we are perfectly placed to develop new products that meet the unique needs of our growing customer base….


We nurture our people. We believe that our people are our most valuable asset, the cornerstone of our existence and our growth drivers. We believe engagement thrives in an environment filled with energy, trust, challenge, personal growth and fairness.


We work as one. We believe in the power of working together as the only way to progress and evolution towards a better future.


We do the right thing. We conduct our business with uttermost respect for the highest standards of professional behaviour and ethics.

Customer centricity

We see the world through our customers’ eyes. We are dedicated to caring for our customers in a highly proactive way and we are committed to improving their lifestyle.


We are constantly evolving. We anticipate change and shape it to fit our objectives. We are committed to be at the forefront of a fast moving environment, by always rethinking our products and services to anticipate our customers’ needs.

CIM Financial Services Ltd, trading as Cim Finance, is the largest non-banking financial institution in Mauritius. It is regulated by the Financial Services Commission, listed on the Official Market of the Stock Exchange and licensed as a Payment Service Provider by the Bank of Mauritius. Driven by its mission to uplift lives and build better futures, Cim Finance has developed a wide range of flexible financing solutions suitable for individuals, SMEs and large businesses. With over 1,000 employees across Mauritius, Rodrigues and Kenya, the group operates across two main clusters, namely Finance and Investment.t.

Finance Cluster

    • Consumer Finance

Cim Finance initiated its Consumer Finance activities in 1987 and now offers credit finance solutions for the purchase of products and services as well as unsecured credit facilities with flexible repayment periods. A network of over 100 retail points of sale and 700 authorised merchants support its Consumer Finance activities across Mauritius and Rodrigues. Over the years, Cim Finance enhanced its digital capabilities, launching innovative products and services such as a behavioural credit scorecard, designed to make more accurate data-driven decisions, a user-friendly mobile app to enable remote payment, a WhatsApp service for personal loans, and a digital lending E-commerce solution integrated into the merchant partner’s e-commerce website.

    • Leasing

In 1996, Cim Finance became the first player to introduce leasing activities in Mauritius, offering vehicle and equipment leasing services to individuals, entrepreneurs, SMEs, and large corporations. In 2021, Cim Finance pioneered a Green Lease scheme to encourage the purchase of electric or hybrid vehicles and equipment at attractive interest rates. In 2022, Cim Finance further expanded its portfolio by acquiring Tsusho Capital (Mauritius) Limited, a company engaged in vehicle leasing on the Mauritian Market since 2009.

    • Cards & Payments

Cim Finance as a principal member of Visa and MasterCard, is the only non-banking institution issuing Credit Cards in Mauritius. Card clients can have up to 45 days credit free period while also enjoying facilities like lounge access and partner offers, amongst others. On the acquiring side, Cim Finance is one of the fast-growing acquirers on the island with services ranging from payment links to smart POS terminals. The endeavour is to help businesses grow while ensuring enhanced payment services to their customers. 

    • Insurance

Cim Finance has taken on a pivotal role as a trusted insurance agent, partnering with top-rated insurance companies including SWAN, MUA, SICOM and Jubilee-Allianz, to offer a comprehensive suite of insurance protection products for its customers. The company offers insurance plans for credit purchases, loan facilities, motor vehicles as well as financed equipment.

    • Factoring

True to its spirit of being a forerunner in its industry, Cim Finance introduced recourse Factoring services in 2004. Over the years, it has evolved its offering to include non-recourse and international factoring—all aimed at helping businesses improve their cash-flow so they can focus on their growth.

    • SME

In its ongoing pursuit to assist SMEs in their transformation journey, Cim Finance launched the Noubiznes digital platform in 2022. Noubiznes offers a comprehensive ecosystem of expert advice, mentorship, networking and resources.

Investment Cluster

Cim Finance’s expansion into Africa began in Kenya with the establishment of Aspira, a wholly-owned subsidiary specialising in the Hire Purchase segment. In 2018, Aspira launched a mobile app to facilitate applications for credit facilities and the provision of information on loan status and payment updates. In 2022, Cim Finance acquired a minority stake in Fundkiss, Mauritius' pioneering peer-to-peer lending platform. Moreover, in line with its diversification strategy, Cim Finance has acquired a controlling stake in Loinette Capital, an asset-based finance provider focused on creating bespoke funding solutions to SMEs across sub-Saharan Africa since 2008. The company is headquartered and regulated as a credit provider in Mauritius, with representatives in West, Central and East Africa and Mauritius. 

  • Credit purchase
  • Unsecured credit facilities
  • Credit card issuing and acquiring – MasterCard and Visa
  • Vehicle and equipment leasing
  • Factoring (receivables financing) and credit insurance
  • POS terminals for debit and credit cards
  • Online payment gateway for e-commerce acquiring on merchant sites
  • 2023

    New Investment in Loinette Capital

  • 2022

    Launch of the first Green Funding Programme in Mauritius
    Acquisition of Tsusho Capital (Mauritius) Limited
     Launch of the Video KYC facility

  • 2021

    Launch of WhatsApp for Business
    Launch of Green Lease
    Investment in Fundkiss

  • 2020

    Launch of Mo Finans Mobile App
  • 2019

    Launch of International Factoring
  • 2018

    Launch of Travel Loan (Cim Voyage)
  • 2017

    Launch of new brand identity
  • 2016

    Launch of Cim Mokart
  • 2015

    Launch of credit facilities (Cim MoCrédit)
  • 2014

    Launch of UPI credit cards - Classic, Gold & Business
  • 2013

    Launch of Cim Finance Connect (Internet and SMS services)
  • 2012

    Launch of Cim Finance Facebook page
  • 2011

    Launch of Cim Finance Connect
    (Internet and SMS services) Launch of PayMobile, the first mobile payment service in Mauritius Launch of Visa credit cards : Classic, Gold & Business
  • 2010

    Start of debit & credit card acquiring activities for Visa
  • 2009

    Cim Finance certified to ISO 9001:2008 standards
  • 2008

    Start of debit & credit card acquiring activities for MasterCard

    Sponsorship of Afrasia Bank as a MasterCard affiliate member
  • 2007

    Leasing services certified to ISO 9001:2008 standards
  • 2006

    Launch of Non-Recourse Factoring services in collaboration with Euler Hermes SFAC
  • 2005

    The first non-banking financial institution
    in sub- Saharan Africa to receive MasterCard accreditation
  • 2004

    Launch of Recourse Factoring
  • 2003

    Launch of first local credit card – Mojoker
  • 1996

    One of the pioneers to offer Leasing in Mauritius
  • 1987

    Launching of credit purchase/retail credit activities