Bidhaa Za Kifedha na Watoa Huduma Za Fedha

• Raia wa Tanzania pekee wenye umri kati ya miaka 18 hadi 60
• SMEs zinajihusisha na shughuli za biashara na zinaendesha akaunti ya sasa na benki kwa miezi 12 iliyopita.
• Umiliki wa pekee / Ushirikiano umesajiliwa kwa usahihi
• Makampuni madogo ya dhima kuingizwa kwa usahihi
• Inatumika kwa SME ambazo zina mauzo ya mkopo katika akaunti ya sasa ya TZS milioni 120 kwa mwaka kutoka tarehe ya maombi ambayo angalau TZS milioni 60 katika miezi sita iliyopita
• Angalau uzoefu wa miaka mitatu katika kufanya biashara sawa au sawa
• Biashara inapaswa kuwa na mtiririko thabiti wa fedha ili kutimiza majukumu ya kila mwezi ya biashara
• Waombaji wanapaswa kuwa na mfumo sahihi wa uhasibu na pia inaonyesha uwezo wa kuendesha biashara kwa faida.
• Waombaji wanapaswa kuwa na msingi (unaomilikiwa au kukodishwa)

• Applicant must be at least 18 years
• Business experience of at least 6 months and a permanent working place
• The borrower must have a business license or permit from authorized authorities
• Applicant has no other loan/s with other lender/s
• Collateral should cover at least 125% of the loan amount
• Maximum term 12 months

• Certificate of incorporation, MEMAT (If incorporated)
• TIN (Tax Identification Number)
• 12 months bank statement
• Loan request letter (stating the requested terms i.e. Loan type, amount, and tenure)
• Valid ID i.e. National ID, Voter's ID, Passport, Driver's license

1. Proof of existing business for over 6 months
2. Over 18 years
3. Tanzanian
4. 10+ or individuals

1. Proof of business ownership
2. Valid ID (i.e. NIDA etc.)

Legally and registered business

• Trade License/TIN/LATRA/Certificate of registration
• security documents
• MEMARTS (for limited company)
• special permit where applicable

• Business experience of 36 months

• KYC document

3 Years of AMCOS operations

1. Application letter
2. Certificate of Registration
3. Bank Statement for 3 years
4. Registrar's endorsement letter
5. Upcoming season harvest/revenue Projection
6. IDs of AMCOS leaders
7. Site visit confirmation/Call back whichever is applicable
8. Beneficiary details (depending on loan purpose)
9. Branch Manager recommendation via email detailing the below.

Availability of collateral

Request letter with purpose

The customer should have collateral as fallback position

_{Borrower's ID e.g. NIDA, Business license, Passport, and voter reg. ID}

1. Existing business for over 6 months
2. Business owner or permanent employment
3. Over 18 years of age
4. Tanzanian
5. Flexible collateral (stock, household assets, lands, vehicles, houses, fixed deposit account)
6. Having an account with FINCA

1. Business license if available
2. Introduction of letter from employer for an employed applicant
3. Valid ID (i.e. NIDA etc.)