Our Loan Products

Who it suits

A group of market traders selling fish, tomatoes, clothing or provisions who want finance to expand. Each member's business and repayment capacity is assessed, and each member may receive an agreed individual amount.

Why it helps

Small business owners get access to credit and the support of their group.

Good to know

Where the agreement includes mutual guarantees, one member's missed payments can affect the rest of the group. We explain these responsibilities clearly to every member before anyone signs.

What you can use it for

• Buying stock or inventory
• Tools and equipment
• Improving your business premises
• Working capital
• Seasonal business needs

How we assess

We may look at your premises, sales, expenses, cash flow, existing debts, identity and business information to understand your ability to repay. Where appropriate, we may follow up on how the funds are used.

Why it helps

Stronger operations, the stock to meet demand, and room to grow. For example, a provision shop owner adding stock or a restaurant owner buying equipment.

What you can use it for

• Emergency household expenses
• Education costs
• Essential household needs
• Personal projects and other genuine expenses

How we assess

We consider your income, existing financial commitments, credit history where available, and your ability to make repayments.

Good to know

A personal loan does not usually generate income, so a reliable source of repayment is especially important.

What we will ask for

Evidence of your employment and salary. We may verify your employment, review your net income and existing deductions, and agree a suitable amount and repayment schedule.

How you repay

Through an agreed method, which can include salary deduction where properly authorised and arranged with your employer.

Why it helps

A regular salary makes repayment planning more predictable.

Risks to consider

Job loss, delayed salary payments, existing deductions and borrowing from several lenders at once can all affect repayment.

What you can use it for

• Repairs and maintenance
• Spare parts
• Running a commercial transport operation
• Other approved needs

If your vehicle is security

We verify ownership and documents, inspect the vehicle, estimate its current market value, and check that it is not already financed or under another claim.

Good to know

Security requirements, valuation and the consequences of missed payments are explained clearly before any loan is agreed.

Who it suits

Taxi, trotro and commercial drivers who want finance to keep their work moving, with the support of fellow drivers.

Good to know

As with all our group loans, each member's repayment capacity is assessed, and any shared responsibilities are explained to everyone before signing.

Find out more

Message us on WhatsApp or send an enquiry and we will take you through the details.