Small and Medium Enterprise

Royal Microfinance Plc. supports micro and small business owners by providing fast, flexible, and efficient financing to help you expand operations, increase inventory, improve cash flow, or upgrade equipment. Our Small and Medium Enterprise is designed to empower entrepreneurs with reliable access to capital when they need it most.

• Flexible Loan Amount: Borrow from USD 2,500 to USD 100,000 based on your business size and needs.
• Repayment Term: up to 120 months.
• Repayment Method: Annuity and provide special moratorium principal repayment or lead interest within six months.
• Competitive Interest Rates: Affordable pricing to help you grow without heavy financial burden.
• Fast & Simple Approval: Quick processing time and friendly support from our lending team.
• Choose Collateral Options: Secure your loan with title deed or vehicle Cardkry, based on loan size.

Our Small and Medium Enterprise is open to:

• Micro and small business owners
• Retail shops, mini-marts, and family-run stores
• Market vendors and wholesalers
• Online sellers and home-based businesses
• Skilled service providers (mechanics, salons, tailors, workshops)

You can use Small and Medium Enterprise for:

• Expanding or renovating your shop
• Purchasing inventory and raw materials
• Buying equipment or machinery
• Improving business cash flow
• Increasing working capital
• Supporting seasonal business demands

Applying is quick — just prepare:

Personal Documents

• National ID Card or Passport
• Family Book or Residential Book
• Recent 4×6 photo

Business Documents

• Patent/Business license (if available)
• Sales invoices or receipts
• Expense records or daily sales list
• Bank statements (if business uses bank account)
• Shop rental agreement (if applicable)

1. Visit any Royal Microfinance branch or call our contact number.
2. Submit documents to our Lending Officer.
3. Sign loan contract and complete vehicle purchase

Our team is ready to assist you at every step.
Call us: 023 970 777 or 081 495 666