Micro Loans


Micro Loans from TZS 500,000 to TZS 35,000,000 (higher amounts may be awarded to repeat clients with very good repayment history).

Terms and Conditions;


  1. Business has been operating for not less than 6 months.
    Permanent business location.
  2. Excellent business records kept. Shows day to day sales and cash flow through bank statements.
  3. Flexible collateral arrangements depending on loan size (household goods, business equipment, goods in stock, vehicles, real estate property etc.)
  4. Required – Business License, TIN Number, Local Municipal License and other business documents depending on the type of business.


Micro Loans Competitive Advantages;


  • Lesser documentation requirements than most other banks in the marketplace. No audited financial statements required.
  • No prior bank relationship with Access Microfinance Bank required. You do not need to operate an account with us for any time period before applying. However it is advantageous if you can demonstrate any previous borrowing or banking experience.
  • No hidden costs such as additional fees and commissions: Our loan officers will be glad to assist you with interest rate comparison.
  • Long-standing clients with impressive repayment record qualify for successive interest rate discounts and even faster loan processing.
  • No borrower groups – you are responsible only for your own loan