The Working Capital Loan offers flexible financing to SMEs, sole proprietors, and limited companies to cover daily operational costs like stock, payroll, rent, and cash flow gaps — supporting business stability and continuity.

Features:

Loan Amount: Minimum MWK 1,000,000

Tenor: 1–12 Months

Interest Rate: 5% per month

Asset Finance enables businesses to acquire assets such as vehicles, machinery, and equipment through lease-to-own agreements. This solution is designed to preserve cash flow while supporting business growth through essential capital investments.

Features:

• Loan Amount: MWK 1,000,000 – 50,000,000
• Tenor: 1–12 Months
• Interest Rate: 5% per month

A short-term lending solution that allows businesses to improve cash flow by borrowing against outstanding invoices from customers. Offers timely access to working capital based on accounts receivable, helping to bridge cash flow gaps without waiting for customer payments.

Features:

• Loan Amount: MWK 500,000 – 30,000,000
• Tenor: 1–12 Months
• Interest Rate: 5% per month

Trade Finance is a short-term B2B working capital loan facility designed to support informal vendors and small-scale traders in replenishing stock and sustaining business operations.

Features:

• Loan Amount: MWK 5,000 – 50,000
• Tenor: 14 Days
• Interest Rate: 5% per month

 

A structured loan facility designed to provide carefully vetted start-ups with initial working capital to support early-stage operations and growth.

Features:

• Loan Amount: MWK 500,000 – 10,000,000
• Tenor: 3–12 Months
• Interest Rate: 6% per month (pro rata)

 

Large-scale credit facilities extended to institutions such as MFIs, SACCOs, cooperatives, and other financial intermediaries, designed to support their onward lending activities to individual or retail clients.

Features:

• Minimum Amount: MWK 5,000,000+
• Tenor: 3–12 Months
• Interest Rate: 3% per month