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This is a working capital and asset finance loan for business owners of small and medium scale enterprise. Prospective borrowers do not need to have saved money with EMFBank before applying for a loan, as we do not support forced savings. All that is needed is an existing, viable business.


  • Broad of collateral items accepted
  • No upfront savings required
  • Interest is accrued on a declining rate
  • Monthly repayment plan
  • Early payment of loan attracts interest rebate
  • Upon submission of all required documents, loan disbursement within a weeks
  • Easy loan procedure
  • Tenure up to 2years
  • Expert financial advice available


  • Duly completed application form
  • 2 guarantors
  • 2 recent passport-size photographs
  • Account opening required
  • Current utility bill
  • A valid means of ID (national ID, driver’s license, voter's card or international passport)

  • Click below for information on:

    Micro Loan



    1. How do I open a Savings Account?
    Ans: To open a Savings account, you need to fill out the account opening form, bring 2 recent passport-size photographs, utility bill and a valid means of identification along to EMFBank.

    2. Who can operate a Saving Account?
    Ans: Anybody above 18 years of age can operate the account.

    3. Where can I open Savings Account?
    Ans: You can open Savings Account atEMFBank office. Our Client Support Officers (CSO) will be glad to open one for you.

    4. Do I need a guarantor to open a Savings Account?
    Ans: No