NOE
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A Black Swan pilot

Loans that meet you
where your income actually is.

NOE is a digital lending pilot for Tanzania, built on Black Swan's credit decisioning rails. We see the income traditional lenders miss, and offer loans calibrated to what you actually earn.

  • Licensed lending partner
  • Real-income decisioning
  • Live in Tanzania
How it works

Apply for a loan

Start your application.

Six minutes. No paperwork, no branch visit.

Your details
Attach statement — optional Bank or M-Pesa statement to speed up income verification.
Consents
Disclaimer

By submitting this application, all information you provide — including personal details, identity documents, and income data — becomes the intellectual property of Black Swan (BSAi Global Limited), processed under the Black Swan privacy policy.

We reply within one business day.

How it works

From application to disbursed loan in under 24 hours.

  1. 01

    Apply

    Share the basics — your details, ID, and how you earn. About six minutes.

  2. 02

    Verify

    Black Swan analytics confirms your real income across the sources you connect.

  3. 03

    Disburse

    Receive your loan via mobile money or bank transfer, usually within 24 hours.