Personal loans
School fees, medical bills and home repairs, on a schedule agreed before the money moves.
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Facilities matched to the reason you need them.
Four ways we work with customers. None of them is an automatic yes. Each one starts with the purpose and the repayment.
Our services
Financial solutions tailored for you
Whether you are an individual, a family or a business, the facility should fit the reason you need it.
Business financing
Stock, fittings and equipment for a trading business, sized to what the shop can repay.
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Savings plans
A target, a date and a weekly amount. Planning support — not an account we hold money in.
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Financial advisory
A second look at a decision before money moves: pricing, cash, and whether a loan helps.
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Individuals and families
Personal loans
For a defined personal cost: school fees, a medical bill, a home repair, or a shortfall with a date attached. The instalment is agreed against how you actually earn, not against a best month.
What to bring
A national ID, a phone number you answer, and something that shows income — a pay slip, a mobile-money statement, or a simple trading record.
Apply for a personal loan
Shops and traders
Business financing
Working capital for stock, a fitting-out, a machine, or a vehicle the business uses. We want to see that the business exists and that the instalment can come from it without emptying the household.
What to bring
Your ID, where the business operates, what the money will buy, and any record of sales you already keep. A perfect set of accounts is not required. An honest one is.
Apply for business financing
Planning, not deposits
Savings plans
We do not hold customer deposits. A savings conversation is a plan: a target, a date, and a weekly amount you can keep, plus an honest view of whether borrowing would help that plan or damage it.
When it is useful
Before a school term, before a restock, or when money is arriving but leaving again the same day. The aim is a number you can point to, not a product brochure.
Talk to us about a plan →
Before the money moves
Financial advisory
A working session on a decision you are close to making. Pricing. Separating shop cash from home cash. Whether a loan is the right tool, or whether waiting a month is cheaper.
What you leave with
A short written note of what was discussed and what you decided to do next. Advisory is not a promise that a facility will be approved.
Book a conversation →Let’s build your brighter tomorrow together
Tell us what the money is for. We will say whether we can help, and what it would cost, before you commit to anything.