SME LENDING SOLUTIONS
The core of our focus is providing you with finance for your formal business. We structure unique,
individualised financing solutions using shareholder loans, equity, royalties and term loans – or any
combination of these. We pride ourselves on having developed a range of finance products offering
maximum flexibility to suit your specific needs.
BUSINESS FINANCE
We provide business finance ranging from US$ 100 000 to US$ 1 million to established entrepreneurs
with a viable formal business. Finance can be used for expansion, working capital, equipment, takeovers,
property, franchises, property finance for owner occupied businesses, revamps, or management buyouts.
Our financing criteria
We only finance viable formally registered small and medium enterprises.
We only provide finance between US$100 000 to US$ 1 million*.
*Kenya: KES 10 Million to KES 100 Million
Malawi: MWK 80 million to MWK 800 million
Rwanda: RWF 98 Million to RWF 980 Million
Uganda: UGX 360 Million to UGX 3.6 Billion
Namibia: NAD 1.5 Million to NAD 15 Million
Each application is considered on its merits and on the potential profitability of the business.
We do not finance on-lending activities, direct farming operations, underground mining, informal and
micro enterprises and non-profit organisations.
What we assess for
Our first assessment is based on the cash flow viability and potential of the business, the product/service
and its market acceptability, market size, the gearing of the business – debt to capital ratio of the
business which influences its ability to exist and grow, the business’ track record, the stage of its
development and medium to long-term profit potential, technical aspects, location of the business. This
makes us different from most traditional financiers, particularly banks, who focus on security (the extent
of the owner’s equity and collateral).
Our next assessment is on the business owner – we evaluate their technical and management skills and
experience, their business acumen – their ability to run a successful business on sound business principles
and their personal principles such as integrity, drive and vision.
Why you should choose our business finance
We negotiate pricing and repayment terms with you.
We structure personalised business finance solutions.
We negotiate and agree on the pricing of the business loan during the initial financing discussions.
We negotiate and agree on the repayment period during the initial financing discussions.
The usual repayment period is between three to five years.
Businesses we do not finance
We do not finance on-lending activities, direct farming operations, underground mining, informal and
micro enterprises and non-profit organisations.
Financing period
The finance is repayable over 5 years (60 months).
Minimum and maximum loan amount
We only provide finance between US$100 000 to US$ 1 million*.
* Kenya: KES 10 Million to KES 100 Million
Malawi: MWK 80 million to MWK 800 million
Rwanda: RWF 98 Million to RWF 980 Million
Uganda: UGX 360 Million to UGX 3.6 Billion
Namibia: NAD 1.5 Million to NAD 15 Million
Own contribution requirements
There is no minimum set for own contribution however, the gearing and other factors that affect the
viability of a transaction are be taken into consideration.
Required documents for application
Completed application.
Business plan.
Annual financial statements.
Up to date management accounts.
Cash flow forecast.
CV of business owner/s.
If you are an established entrepreneur, apply today to obtain finance tailored to your individual
requirements.
WE FINANCE ESTABLISHED ENTREPRENEURS
Because we understand the challenges business owners face, we take more risk and finance more
established entrepreneurs than most financiers.
PROPERTY FINANCE
Our Property finance caters to established business owners with a viable business who want to
refinance or purchase their own premises, but may have limited capital or security to contribute, or may
not want to compromise the business’ cash resources for the deposit. We also finance Residential
property developments, Properties for student accommodation and Commercial property
developments. You should choose our commercial property finance because:
In most cases, conventional financiers require a cash deposit before considering financing a property
deal. The deposit amount depends on the risk appetite of the financier and deposits of up to 50% may
be required.
We allow the business owner a choice of different financing options and can structure the deal by
advancing up to 110% of the financing required, subject to terms and conditions.
Our financing criteria
Property types we do not finance
Financing period
Minimum and maximum loan amount
Own contribution requirements
Required documents for application
PROPERTY JOINT VENTURE FINANCE
Our Property Joint Venture Finance provides finance to established entrepreneurs looking to add multitenanted properties to their investment portfolio. We do this because we understand that multitenanted properties provide both capital appreciation and a rental income.
We co-invest in multi-tenanted property projects mainly in two instances:
When a potential investor (established entrepreneur) is unable or unwilling to invest the full deposit
(equity) required by a commercial lending institution.
Where a viable property investment has been over-geared and needs a restructuring of the existing
debt, converting debt finance to equity finance.
Our Property Joint Venture Finance criteria
Property types we do not finance
Financing period
Minimum and maximum loan amount
Own contribution requirements
Required documents for application
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The application checklist is designed to help you quickly check our criteria and/or documents
required in the application process.
You may proceed to our Application page by clicking on the Apply button below.
We encourage you to watch our tutorial video on How to complete the BPI finance application
for a better understanding of our application platform: CLICK HERE
BUSINESS FINANCE APPLICATION CHECKLIST
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Are you looking for finance above US$ 100 000?
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Yes
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No
Do you have your business’s annual financial statements?
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Yes
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No
Do you have your business’s cashflow forecast for the next 12 months?
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Yes
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No
Do you have your personal balance sheet?
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Yes
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No
Do you have a business plan (this is not a mandatory requirement)?
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Yes
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No
For quicker processing of your application, we would advise you to collate the specified documents or information
before proceeding to make your application.
You can also proceed to our APPLICATION PAGE HERE