Borrow with clear terms
We explain repayment expectations, fees, documentation, and approval steps before you commit to a facility.
Credit solutions
Financing for plans that need more room to move.
Explore personal, business, mortgage, and institutional facilities with transparent terms, practical guidance, and relationship-led credit support.
Matched to your cash flow
Choose facilities designed for salaries, business turnover, project cycles, trade activity, or asset acquisition.
Guided by lending teams
A relationship manager reviews your request and helps you prepare the information needed for credit assessment.
Available products
Choose a facility that fits the purpose.
Use the calculator for an estimate, then apply online so our lending team can review your exact requirements.
Business Working Capital Loan
Credit support for stock purchases, supplier payments, payroll cycles, receivables, and day-to-day business operations.
Institutional Project Facility
Credit facilities for NGOs, public-sector bodies, schools, cooperatives, trusts, and project-driven institutions.
Mortgage Home Loan
Long-term home purchase, construction, and renovation financing with guided property documentation support.
Personal Term Loan
Flexible personal financing for planned expenses, education, medical needs, travel, or household projects with structured monthly repayments.
Salary Advance
Short-term credit for salaried customers who need quick access to funds before payday.
SME Asset Finance
Structured financing for vehicles, equipment, machinery, technology, and other productive business assets.
Trade Finance Facility
Import, export, invoice, and supply-chain financing for businesses trading across African and international markets.
Vehicle Finance
Financing for personal, commercial, and fleet vehicles with repayment terms matched to your income or business cash flow.
How lending works
A straightforward path from request to review.
Share your requirement
Tell us the product, amount, purpose, preferred branch, and repayment period.
Prepare documents
We confirm ID, income, business, collateral, or mandate documents based on the facility.
Credit assessment
Our team reviews affordability, risk, repayment source, and account conduct.
Offer and disbursement
If approved, you receive terms to review before signing and disbursement.
Ready to continue?
Apply online and let AIDF guide the next step.
Submit your details securely. A relationship manager will contact you to discuss suitability, documents, and timelines.