Life doesn't wait for payday. Whether you're managing unexpected expenses, growing a small business, or keeping your mobile money operations running smoothly, Swift Digital Finance offers instant, accessible lending solutions designed
with you in mind.
Business Flexi Loan
Who it's for: SMEs needing working capital or funding for growth opportunities
Key Features
- Tailored repayment schedules
- Quick approval process
- Minimal paperwork required
- Use for any business purpose
At a Glance
- Amount: K[100,000] - K[2,000,000]
- Repayment: [3–24] months
- Requirements: Business registration, bank statements
- Rate: Starting from [X%] per month
Invoice Financing
Who it's for: Businesses with outstanding invoices who need immediate cash flow
Key Features
- Prevent costly float shortages
- Instant digital disbursement
- Repayment linked to transaction volumes
- Keep your agency running 24/7
At a Glance
- Amount: K100,000 – K2,000,000
- Repayment: 3–24 months
- Requirements: Business registration, bank statements
- Rate: Starting from X% per month
Equipment & Inventory Financing
Who it's for: Businesses needing to purchase equipment or stock inventory
Key Features
- Prevent costly float shortages
- Instant digital disbursement
- Repayment linked to transaction volumes
- Keep your agency running 24/7
At a Glance
- Amount: K[50,000] - K[500,000]
- Repayment: Based on agent commissions
- Requirements: Active agent status, performance history
- Access: Available 24/7
What type of businesses can apply?
We work with registered SMEs, sole proprietorships, and partnerships across various industries in Malawi. Your business should be operational for at least [X months].
What documents do I need for a business loan?
- Business registration certificate
- Tax clearance certificate (TPIN)
- Bank statements (last 3-6 months)
- Financial statements or management accounts
- Valid ID of business owner/director
- Proof of business address
Do I need to provide collateral?
This depends on the loan amount and type:
- Business Flexi Loans: May require collateral for larger amounts
- Invoice Financing: The invoice serves as security
- Equipment Financing: The equipment being financed may serve as collateral
How long does the business loan approval take?
Yes, we evaluate each application individually. Having other loans doesn't
automatically disqualify you, but it's considered in our assessment.
Can I apply if my business is relatively new?
Yes, but we typically require at least [X months] of operational history and business bank statements to assess cash flow patterns
Do you finance all types of businesses?
We work with most legitimate businesses. Some high-risk industries may require
additional documentation or have different terms.
What can I use my business loan for?
What are typical repayment terms?
Can I make early repayments?
Yes, early repayment is allowed and may reduce your total interest cost.
What happens to my rates if I'm a good customer?
Customers with a good repayment history may qualify for better rates on future
loans.
Do you provide business advice along with funding?
Yes, our team can provide guidance on cash flow management, business planning,
and financial best practices
How do I apply for additional funding?
Existing customers in good standing can apply for additional facilities. We may offer
expedited processing for repeat customers.
What support do you offer if my business faces difficulties?
We work closely with customers facing challenges. Early communication is key -
contact us immediately if you anticipate payment difficulties.
Can I restructure my loan if needed?
In genuine cases of business hardship, we may consider loan restructuring options.
This is assessed case by case.