Affordable Credit
Loan Products
Whether you're expanding your business, funding education, or covering emergencies — we have a loan product for you. Approval in as little as 48 hours.
Business Loan
Working capital, asset acquisition, or infrastructure development for your business.
- ✓ Active CBS PEWOSA account (6+ months)
- ✓ Business registration or trading license
- ✓ Guarantor(s)
- ✓ Proof of income
Emergency Loans
Short-term credit for urgent financing needs.
- ✓ Active CBS PEWOSA account
- ✓ Savings balance as collateral
- ✓ Processed within 24 hours
Asset Finance Loan
For purchasing income-generating assets.
- ✓ Proforma invoice for the asset
- ✓ 30% deposit required
- ✓ Active CBS PEWOSA account
- ✓ Proof of repayment capacity
School Fees Loan
Affordable rates and terms to keep your children in school.
- ✓ School fee structure
- ✓ Active CBS PEWOSA account
- ✓ Guarantor
Agricultural Loan
For small and medium producers and micro agriculture entrepreneurs.
- ✓ Land ownership or lease agreement
- ✓ Farming experience (1+ year)
- ✓ Crop/livestock plan
- ✓ Active CBS PEWOSA account
CMMF Group Loan
For groups of 15-30 members who guarantee each other.
- ✓ Registered CMMF/CMSG group (15-30 members)
- ✓ 6+ months of group savings
- ✓ Group constitution
- ✓ Meeting minutes approving loan
Climate Action Solution Loans (UNEP-EBAFOSA)
Specialized green financing for sustainable agriculture and energy projects.
- ✓ EBAFOSA group membership
- ✓ Project proposal
- ✓ Environmental impact assessment (if applicable)
- ✓ Active CBS PEWOSA account
