Small Enterprise Loan

Personalized loans with tailored terms

Embark on a journey of business expansion with our loan solution, strategically crafted to fuel your business’s growth and maximize your earning potential.

Facilitate performance and growth

Facilitate your dream business performance through an accessible credit facility tailored for companies and business owners with registered businesses.

  • Financial Flexibility: Experience financial flexibility with a credit facility ranging from MWK35 million to MWK175 million, aligning with your business’s diverse needs.

  • Cost-Effective Financing: Access cost-effective financing with affordable interest rates set at 4% per month, ensuring sustainable financial support for your business ventures.

  • Adaptable Repayment Terms: Enjoy flexible repayment terms, ranging from 12 to 24 months, accommodating your business’s unique cash flow dynamics.

  • Insurance Cover: Mitigate risks with insurance coverage on the loan, providing financial security in case of unforeseen events impacting your business.

  • Family Security: Ensure your family’s financial security with insurance coverage that extends to your spouse, family, or any nominated beneficiary.

Accessible solution, easy qualification

Qualify easily for our Small Enterprise Loan. We prioritize responsible lending with fair and transparent criteria.

  • Active Business Eligibility: We welcome active businesses, whether companies or individual borrowers, to qualify for financial support.

  • Inclusive Eligibility: Applicants aged 18 to 70 are welcome to apply.

  • Business License: Demonstrate business legitimacy with a valid business license.

  • Supportive Assurance: Provide a personal guarantor for added security in the loan approval process.

  • Established Business Presence: A minimum of 6 months of business existence is required.

  • Collateral Flexibility: We accept various physical collateral options.

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 online forms.

  • 2

    Confirmation from FINCA
    Expect a call from our dedicated call center within 24 hours. Our operator will double-check details with you.

  • 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’ve always dreamt of growing my business to support my family and establish other investments. I’ve sent my children to school and constructed three houses. FINCA helped me build a future for my family.” – Godfrey Kalivwati

“I invested my first FINCA loan in a second-hand clothes business. As my business grew, I could access more funds that have helped me open a shop and construct houses that I now operate as hostels for college students.” Sofelet Phiri

Frequently Asked Questions

Depending on your business’s capacity, you can secure up to K75 million.

Provide proof that your business has been active for the past 6 months, along with your business license, identification, and proof of address.

Enjoy flexibility in designing a monthly repayment schedule that aligns with your needs.

We are always happy to talk!

Request a callback.