From Application to Disbursement
The process below applies to both personal and small business financing.
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Step
1
Submit Application
Contact us by phone, email, or in person at our office in Sikhottabong District to start an application. We will explain the financing options available and confirm which documents you need to provide.
At this stage you tell us the amount you are seeking and the purpose of the financing. There is no cost to enquire, and you are under no obligation to proceed.
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Step
2
Document Review
Our team reviews the documents you have submitted to confirm they are complete, current, and consistent. This typically includes identification, proof of address, evidence of income or business activity, and any documents specific to the product you have applied for.
If something is missing or unclear, we contact you directly and explain exactly what is needed. Complete documentation at this stage is the single biggest factor in how quickly an application moves.
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Step
3
Application Assessment
Your application is assessed internally against our eligibility criteria. We consider repayment capacity, existing financial commitments, the purpose of the loan, and the supporting information you have provided.
The outcome is communicated to you whether or not the application is approved. Where an application is approved, you receive the proposed amount, interest, fees, and repayment schedule in writing for your review before anything is signed.
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Step
4
Loan Disbursement (for approved applications)
Once you have reviewed the terms, asked any questions, and signed the loan agreement, funds are disbursed according to the method agreed with you. You also receive a copy of the signed agreement and your repayment schedule.
Our team remains available after disbursement for questions about statements, schedules, or repayment arrangements.
Please note: Loan approval is subject to eligibility requirements and internal assessment.
What to Prepare
Requirements vary by product and by applicant. As a general guide, most applications involve documents in the following categories.
- Valid government-issued identification
- Proof of current address
- Evidence of income or regular earnings
- For business applications: business registration and recent business records
- Any documents specific to the purpose of the loan
Contact us before visiting and we will confirm the exact list for your circumstances, so you only need to make one trip.
Call Us First
A short call confirms which documents apply to you and saves a return visit.
Bring Originals
Original documents allow us to verify and copy them in a single appointment.
Ask Questions
Ask about total cost and schedule before signing. We expect and welcome it.
Plan Repayment
Consider how the instalments fit your monthly commitments before you commit.
How Long Each Stage Takes
Timeframes depend on the completeness of your documentation and the nature of the application. We will give you an indication specific to your case when you apply.
Enquiry Response
Enquiries received during business hours are acknowledged promptly by our team.
Review & Assessment
Assessment begins once your documentation is complete and verified.
Disbursement
Funds are released after the loan agreement has been reviewed and signed.
We do not offer guaranteed approval, instant loans, or financing without documentation. Every application is individually assessed, and we will decline applications where the financing would not be appropriate for the applicant's circumstances.
Begin your application today
Contact our team to discuss your requirements and confirm what documentation you will need.