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Loan Products Portfolio
Affordable, member-first credit solutions for every financial need.
SME Loans
Target
Small and medium business owners
Purpose
Working capital, inventory and business expansion.
- Competitive interest rate
- Flexible repayment
- Business cash-flow review
Salary-Backed Loans
Target
Civil servants and salaried employees
Purpose
Repayment deducted at source.
- Salary domiciliation
- No collateral for salary earners
- Fast processing
School Fees Loans
Target
Parents and guardians
Purpose
Tuition and educational expenses at all levels.
- Term-aligned repayment
- Low-interest
- Quick disbursement before resumption
Asset Acquisition Loans
Target
Individuals and businesses
Purpose
Equipment, vehicles, machinery or business assets.
- Asset-linked repayment plan
- Hire-purchase structure available
- Tailored loan size
Agricultural Loans
Target
Farmers, cooperatives, agribusinesses
Purpose
Planting season inputs, irrigation, storage and processing.
- Season-aligned repayment
- Group lending available
- Sector-aware terms
Emergency Loans
Target
All members
Purpose
Urgent medical, bereavement or unforeseen personal needs.
- Processed within 24–48 hours
- Smaller loan size
- Short repayment term
Application Process
How to Apply
1
Become a Member
Register and subscribe to share capital.
2
Complete Application Form
Fill the loan application form.
3
Submit Documents
Provide identification, income and guarantor details.
4
Credit & Guarantor Review
Credit Committee evaluates the application.
5
Approval & Disbursement
Funds released to your account.
Institutional Safeguards
How We Protect Every Loan
Guarantors
All loans backed by one or more verified guarantors.
Salary Domiciliation
Automated repayment from salary for eligible borrowers.
Post-Dated Cheques
Security cheques held for the loan duration.
Business Cash-Flow Assessment
Repayment capacity verified before approval.
Credit Checks
Internal and bureau credit history reviewed.
Loan Insurance
Insurance cover on applicable loan products.