Our Products

Many small, micro and medium businesses face growth blockages due to lack of capital. At Ndhiwa CFS, we provide you with an array of products including, Biashara loan, development loan, school fees loan, asset loan, Christmas loan, emergency and Aswekra loans with flexible terms of repayment to as a to empower your business emergencies and any other financial needs

Biashara Loan

Ndhiwa CFS supports small and micro businesses by providing them with funding to help grow their operations.

What you need to apply this loan

• Photocopy of National ID Card
• Passport photo
• Own a stable business
• At least two guarantors
• Flexible collaterals

Loan Benefits

• Door-step services
• Attractive interest rates on loans
• Friendly policies
• Easily accessible as individual and in group model
• Loans tailored to clients’ needs

Development/Asset Financing

Ndhiwa-CFS Asset Financing provides a comprehensive solution for clients across various sectors to acquire essential business assets, thereby enhancing operational efficiency and optimizing profitability.

What you need to apply this loan

• Own a stable business
• At least two guarantors
• Flexible collaterals
• Copy of National ID Card
• Passport photo

Loan Benefits

• Attractive interest rates.
• Adaptable collateral requirements.
• Customizable loan amounts to suit diverse financial needs.
• Flexibility repayment terms tailored to clients’ needs.

Emergency Loan

In the event of unforeseen financial needs, Ndhiwa-CFS provides timely emergency loan solutions to address the situation promptly.

What you need to apply this loan

• Must have a running Biashara loan
• Letter justifying the incident
• Must have serviced first loan
• Copy of National ID card
• Passport photo

Loan Benefits

• Enables business and income continuity after accidents
• Financed to recover financial loss after accidents
• Fast processing of loans
• Flexible security requirements
• Easy &flexible repayment terms

Elimu/School Fee Loan

As the demand for quality education grows, Ndhiwa-CFS offers you the opportunity to finance your own studies or those of your loved ones, allowing you to maintain your daily responsibilities and commitments.

What you need to apply this loan

• Copy of National ID Card
• Passport photo
• School fee’s structure
• At least wo guarantors
• Flexible collaterals

Loan Benefits

• Repayment terms tailored for flexibility.
• Swift loan processing for immediate support.
• Covers school fees at all levels of education.
• Finances educational expenses for both dependents and individuals.
• Cheque issued directly to the educational institution.

Aswekra Loan

A supplementary Biashara loan designed to help our valued clients grow their businesses and maintain operations while they continue repaying their existing Biashara loans.

What you need to apply this loan

• Must have a running Biashara loan
• Must have serviced character loan
• One guarantor
• Copy of National ID Card
• Passport photo

Loan Benefits

• Door-step services
• Flexible weekly repayments
• Friendly policies