SME Loan
For stock, equipment, operating costs, or business expansion.
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View loans for individuals, employees, groups, farmers, and businesses.
Explore our products →We will explain who can apply, the documents needed, interest, and repayment terms before you accept a loan.
For stock, equipment, operating costs, or business expansion.
View product details →For employees with regular income; repayments are planned around salary dates.
View product details →For home improvements, family expenses, travel, or other personal costs.
View product details →For VSLAs, cooperatives, and other organised groups whose members guarantee one another.
View product details →For crops, livestock, irrigation, farm inputs, equipment, storage, or marketing.
View product details →For machinery, equipment, furniture, office technology, or other business assets.
View product details →For urgent medical costs, accidents, or family obligations. Each request is assessed.
View product details →For tuition, accommodation, uniforms, books, or examination fees.
View product details →For cars, motorcycles, commercial vehicles, or other transport equipment.
View product details →For established businesses opening branches, buying stock, or increasing production.
View product details →We review the loan purpose and repayment ability, then explain the proposed terms before you decide.
How Melac assesses loans →We explain interest, fees, payment dates, and other obligations before you sign.
We ask what the money is for and review your ability to repay.
We discuss payment dates and amounts before a loan is signed.
You can call or visit us if you have questions about repayments.
Contact our team if you need help choosing a loan.