Trade & Commerce Loans

Trade and commerce loans are for the purpose of financing business activities related to merchandising or buying and selling, including vending, and hawking. The main source of payment for trade and commerce loans is the product of the sales and income generated by such activities.


The target beneficiaries of trade and commerce loans are traders and shopkeepers, suppliers, and entrepreneurs embracing all forms of the purchase and sale of goods and services.

Purpose of Trade and Commerce Loans

To finance working capital for inventory, receivable, purchase of supplies or other operating needs during the business cycle. These loans are intended to be repaid through the cash flow derived from converting, for example, inventory or the financed asset into cash.


  • Facility range: USD 600 (minimum) to USD 7,000 (maximum)
  • Methodology: Individual lending and liability
  • Duration: 6 months to 24 months
  • Repayment frequency: Monthly
  • Clients must be Responsible


  • Access to funds for business expansion
  • Access to other business loan products to strengthen client’s enterprise
  • Flexible repayment structure
  • Training on basic financial management, business planning and customer relations
  • Low interest rate
  • Expert financial advice available


  • Duly completed application form
  • 2 guarantors
  • 2 recent passport-size photographs
  • A valid means of ID (national ID, driver’s license, voter’s card or passport)
  • Proof of business ownership & income