Loan products
Every product below can be applied for online or in person. Rates shown are starting rates - your actual rate is tailored to your profile, term and repayment history.
Working Capital
Stock, inventory and day-to-day working capital for shops, salons, hardware stores and service businesses that need cashflow breathing room.
Asset Finance
Finance equipment, machinery, delivery bikes and tools that directly grow your productive capacity. The asset itself can secure the loan.
Agriculture
Seasonal financing for inputs, seedlings, feed and harvest handling. Repayment calendars are matched to your crop or livestock cycle.
Group Lending
For registered chamas and table-banking circles of 3 to 15 members. Collective guarantee replaces physical collateral.
Emergency
Short-term bridge finance for genuine emergencies - medical, urgent repairs, stock-outs. Designed for speed when it matters most.
Education
Keep learners in class. Fees are paid directly to the school, college or training institution, and you repay in manageable instalments.
Good to know
Interest is charged either on a flat or reducing-balance basis, depending on the product. A once-off appraisal fee of 3% applies. Your exact rate is set during underwriting based on your credit profile - strong applicants and returning borrowers pay less. You'll always see the complete schedule before you commit.
Or use the calculator first - no commitment either way.