Small Enterprise Loan

Personalized loan with tailored terms

Embark on a journey of business expansion with our loan solution, strategically crafted to fuel the growth of your business 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 MWK20 million to MWK75 million, aligning with the diverse needs of your business.

  • 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 adaptable repayment terms, offering flexibility ranging from 12 to 24 months, accommodating your unique cash flow dynamics of your business.

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

  • Family Security: Ensure family financial security with insurance coverage extending to the spouse, family, or any beneficiary nominated.

Accessible solution, easy qualification

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

  • Active Business Eligibility: We welcome active businesses to qualify for financial support, whether as companies or individual borrowers, fostering an inclusive approach to business empowerment.

  • Inclusive Eligibility: Ensure inclusive access as applicants aged 18 to 70 are welcome to apply, fostering a broad and diverse range of individuals for financial support.

  • Business License: Demonstrate business legitimacy with the requirement of a valid business license, reinforcing the commitment to supporting established and authorized ventures.

  • Supportive Assurance: Provide supportive assurance with the inclusion of a personal guarantor, adding a layer of security to the loan approval process.

  • Established Business Presence: A minimum of 6 months of business existence, to ensuring support for businesses who have built a solid foundation.

  • Collateral Flexibility: Experience flexibility in collateral requirements with the acceptance of 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, ensuring a smooth and hassle-free submission.

  • 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. We will keep you informed and connected throughout the process.

Start your application

Applying for a loan with us is a straightforward and convenient process


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 into a second-hand clothes business. As my business grew, i could access more funds that have helped me open a shop and construct some houses which I operate as hostels for college students now.” – Sofelet Phiri

Frequently Asked Questions

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

Simply 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, tailored to your preferences when you access the loan

We are always happy to talk!

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