Your Source of Liquidity.
Fast, paperless salary advances from P 1,500 to P 5,000 for Botswana's workforce. Borrow for 7 days, pay for 7 days.
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0.35% Daily Rate
Borrow for 7 days, pay for 7 days. Early settlement waives all unaccrued interest.
In Duplum Cap
Total fees & interest can never exceed 100% of disbursed principal by law.
Direct BISS Payout
Automated instant deposit to FNBB, Absa, Stanbic, StanChart, or Bank Gabs.
72h Cooling-Off
Statutory right to cancel within 72h by returning principal with zero penalty.
How Sediba Works.
Create an account or log in, then complete our simple 6-step paperless application.
Create Account / Login
Sign in securely via mobile OTP or password to start your verified profile.
6-Step Underwriting
Complete our seamless 6-step verified intake (Omang KYC, Next of Kin, HR verification & Biometrics).
Paperless E-Contract
Review statutory terms with exact 0.35%/day pro-rata rates and apply your digital signature.
Direct BISS Payout
Funds are transferred directly via BISS to your designated Botswana bank account upon approval.
Frequently Asked Questions.
Everything you need to know about our daily rates, pro-rata early payoffs, closed-loop direct debit, and Statutory statutory consumer protections.
How does the 0.35% Pay-Per-Day interest model work?
Unlike traditional micro-lenders in Botswana that force you into a fixed 30-day interest charge regardless of when you borrow or pay back, Sediba bills you at an exact daily rate of 0.35% (equivalent to 10.5% at 30 days) with a 5-day minimum billing floor.
You can take an advance at any point in the month — whether it is 6 days before a project deadline, a 12-day school fee bridge in mid-month, or a full 28-day salary cycle. You never pay for unaccrued calendar days.
What happens if I settle my advance early?
Unaccrued future interest is immediately waived under Statutory early rebate regulations.
How does automated repayment work? Do I need to manually transfer money?
Zero manual bank transfers or cash deposits. Repayments are pulled automatically via bank-to-bank direct debit.
What if my employer's payroll is delayed by a few days?
Self-service extension of 1 to 5 days directly from your portal before debit execution.
Who qualifies for a Sediba salary advance?
Botswana citizens aged 21+ with verified permanent or contract employment earning P 1,000+ net salary.
How fast is payout, and which Botswana banks are supported?
Disbursement is cleared via BISS Fast Pay within 15–30 minutes to all major Botswana commercial banks.
How does the Statutory In Duplum rule protect me?
Total interest and fees can never exceed 100% of the principal under Botswana law.
What is the 72-Hour Statutory Cooling-Off right?
Cancel the credit agreement within 72 hours with zero interest penalty if your needs change.