Micro-Lending Policy

Responsible lending is not just a promise — it is our business model. Every loan is designed to help, not harm.

Affordability Assessment

Before approving any loan, we assess your ability to repay based on your verified income, existing obligations, and employment status. We never lend more than you can afford. Our maximum loan-to-income ratio ensures repayments do not exceed 30% of your monthly net salary.

Loan Limits and Tenors

First-time borrowers can access E 100 to E 2,000. Repeat borrowers with good repayment history can access up to E 5,000. All loans have a 30-day maximum tenor. We do not offer rollovers or extensions that increase debt. If you need help, we offer repayment plans, not more debt.

Borrower Protection

We prohibit aggressive collection practices. We do not charge late fees for borrowers who communicate with us proactively. We offer grace periods for verified emergencies. We provide financial literacy resources to help borrowers improve their financial health. Your dignity is non-negotiable.

Data and Privacy Protection

We collect only the data necessary for loan assessment and regulatory compliance. All data is encrypted, stored locally in Eswatini, and never sold to third parties. You have the right to request deletion of your data after loan closure, subject to regulatory retention requirements.