Apply for a Loan
Start your journey to financial empowerment. Our simple application process gets you the funding you need quickly.
Eligibility Criteria
Check if you meet our basic requirements for loan approval.
SME Business Loans
- Business operating for at least 6 months
- Valid business registration
- Minimum monthly revenue of K2,000
- Clean credit history
Agricultural Loans
- Active farming for at least 1 season
- Land ownership or lease agreement
- Basic farming experience
- Community recommendation
Visit Us to Apply
We believe in personal service. Visit any of our branches or outposts to speak with our loan specialists face-to-face and complete your application.
Simple 4-Step Process
Choose Your Location
Select the nearest branch or outpost to your location
Prepare Documents
Gather all required documents before your visit
Visit in Person
Meet with our loan officers for personalized service
Get Approved
Receive your loan decision within 24-48 hours
Visit Our Locations
Livingstone Branch
Choma Branch
Mazabuka Outpost
Kasama Outpost
Ready to Get Started?
Our experienced loan officers are ready to help you find the perfect financing solution for your needs.
Required Documents
Prepare these documents to speed up your loan application process.
General Documents
- Valid National Registration Card (NRC)
- Proof of residence (utility bill or lease agreement)
- Bank statements (last 3 months)
- Passport-sized photographs (2)
Business Documents
- Business registration certificate
- Trading license
- Financial statements or records
- Business plan (for larger loans)
Farming Documents
- Land ownership certificate or lease agreement
- Previous harvest records
- Farming activity photos
- Community leader recommendation
Application FAQ
Common questions about our loan application process.
How long does the application process take?
Most applications are processed within 24-48 hours. Complex cases may take up to 5 business days.
What happens after I submit my application?
You'll receive a confirmation email, then our team will review your application and contact you for any additional information needed.
Can I apply for multiple loan types?
Yes, but we recommend focusing on one loan type initially. Once approved and in good standing, you can apply for additional loans.
What if my application is rejected?
We'll provide feedback on why the application was not approved and guidance on how to improve your eligibility for future applications.