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)

Working capital loans to micro and small-size enterprises. The loan can be used for any business purpose.

• 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

• Copy of business license

• 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

Group lending products targeting small entrepreneurs who might have no business licenses but are permitted to carry business under certain conditions laid by the government such as agriculture farming, Agri-allied activities, or any other business activities.

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.)

Working capital, renovation, acquisition of equipment, Capital investment

Legally and registered business

• Copy of National Identity card

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

Working capital or business investment

• Business experience of 36 months

• Bank statements for a period of 6 months

• KYC document

Financing Agricultural inputs for farmers (based on cashew nut farming)

3 Years of AMCOS operations

• Executed Board Resolution

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.

Working capital

Availability of collateral

• Copy of National Identity card

Request letter with purpose

Asset Financing

The customer should have collateral as fallback position

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

Individual loan for existing FINCA clients or prospects who engage in entrepreneurial activity or permanent employment to pay school fees for their children or relatives.

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.)