Business Loan

A flexible loan to meet your business needs

Take advantage of easy payment options and choose the loan that best suits your business!

Fuel your business growth

Flexible solutions and easy payment options for business owners seeking expansion.

  • Tailored Credit: Explore credit flexibility with amounts ranging from MWK500,000 to MWK34 million, tailored to meet your business’s diverse needs.

  • Affordable Rates: Benefit from affordable interest rates, ranging from 5.5% to 6% per month.

  • Flexible Repayment: Customize your repayment plan with terms ranging from 6 to 24 months to align with your business’s unique landscape.

  • Streamlined Process: Save time with our quick and easy application process.

  • Loan Protection: Gain peace of mind with our loan protection insurance, covering both your business and loved ones.

  • Extended Protection: Extend your protection with insurance that covers your spouse, family, or any nominated beneficiary.

Easy access, responsible lending

Qualifying is a straightforward process, enabling more entrepreneurs to access the financial solutions they need.

  • Open to All: Our Individual Business Loan is accessible to both companies and individual borrowers with active businesses.

  • Age requirement: We welcome applicants aged 18 to 70 years.

  • Licensing Assurance: Secure your loan easily by presenting a valid business license.

  • Business Stability: Demonstrate business stability with a minimum of 6 months of existence and activity.

  • Collateral Versatility: We accept various flexible, movable, and immovable assets as collateral.

  • Approval Dynamics: Stay informed about our transparent and fair approval process and conditions.

Application process is easy: we simplified it for you

Experience an application process built on trust, efficiency, and your unique needs.

  • 1

    Apply for a loan: Complete your application seamlessly by filling out an online form.

  • 2

    Confirmation from FINCA: Expect a call from our dedicated call center within 24 hours. Our operator will double-check details with you, ensuring accuracy and addressing any concerns.

  • 3

    Decision: Receive communication from the branch, confirming the completion of your loan application.

Start your application

Applying for a loan with us is straightforward and convenient.


Customer Success

“I never finished my secondary school education because I didn’t have school fees. I decided to apply for a FINCA loan to grow my small business. I can now support myself and my younger cousin who lives with me.” – Felison Buleya

“I wanted to grow my business to take care of my family and send my daughter to school, so I applied for a FINCA loan. I am proud that my daughter is now a doctor and my business continues to grow”, Naomi Kuluwani.

Frequently Asked Questions

Depending on your business capacity, you can secure up to K20 million with FINCA.

Required documents include proof of the business’s existence for the past 6 months, a valid business license, identification, and proof of address

Repayment frequency is flexible. You’ll agree on a suitable monthly schedule that aligns with your business needs when you access the loan.

For additional information not listed here, please call 312 (TNM Toll-Free) or +265992950051 during work hours.

We are always happy to talk!

Request a callback.