Our Services
Financial solutions
Fostering Opportunity
We offer our clientele tailored solutions, that enhance their participation in the macro economy. Some of our services include:
1. Salary Based Loans
Consumer loans that are collateral free and granted to fully employed individuals and subject to payroll deduction arrangement. These loans can be extended towards construction, medical bills, school fees, business start up capital. We also offer SSB loans to civil servants.
2. Collateral Based Consumer loans
Available to individuals formally employed with organizations that have no payroll deduction arrangement with us.
3. Agri- Production Loans
We offer short-term credit facility to support agricultural input costs and working capital financing over a farming season. This product is suitable for all farmers with proven business acumen. Loans are provided to legal entities in the agricultural sector, including commercial farmers and agri-businesses. Facilities are repaid at the end of a season after selling the crop.
4. Structured Trade and Commodity Finance
Structured Trade and Commodity Finance (STCF) provides tailor made financial solutions for commercial and commodity related transactions. Typical products and services include facilities under Collateral Management Agreements (CMA) and financing under Stock Monitoring Arrangements (SMA). We also make use of Debtor Financing, Promissory Note and Guarantees under Structured Trade Financing arrangements.
5. Individual Micro Vendor loan
This loan empowers small vendors and informal traders with the capital needed to grow their businesses. It provides accessible financing to help cover inventory purchases, business improvements, or working capital needs, designed specifically for vendors with demonstrated potential.
6. Order Finance
This facility capacitates businesses by providing capital to pay suppliers upfront for verified orders. It is granted to those with confirmed orders with orders from reputable customers and with viable orders with repayment capacity.
7. Invoice discounting
This facility enables businesses to access cash tied up in unpaid invoices, providing immediate working capital. It’s available to those who invoice reputable clients, allowing them to maintain cash flow while waiting for customer payments.
8. Project Financing Loans
This loan supports businesses undertaking significant projects, providing structured financing solutions for long-term goals. It is designed for businesses with viable project plans and repayment capacity, ensuring that projects can progress without financial obstacles.