Business Loans

The facility is designed for rural and semi-urban based SMEs mainly cooperatives and Associations who require short term working capital financing for raw materials and packaging materials or other requirements to meet clients' orders under contract.


  • Maximum Loan Term - 6 Months
  • Minimum Loan amount MWK 500,000
  • Maximum Loan Value - According to the Applicant's capacity to repay from business proceeds and strength of collateral presented.
  • Loan is deducted from source of income
  • Effective interest rate on reducing balance
  • Convenient: Pre-shipment of commodities is allowed.
  • Faster: Loans are processed within 5 working days upon fulfilment of all paperwork.
  • Affordable: Interest rates are competitive
  • Market Contract
  • Physical collateral or Third Party Guarantee
  • Cash contribution of up to 30% of total Loan should be made by the Borrower.

Production Finance is a facility available for rural based SMEs mainly cooperatives and association businesses who require short term working capital financing for production inputs such as Certified Seed, Chemicals, Fertilizer, Land lease and Labour cost.


  • Maximum Loan term - 6 Months
  • Maximum Loan value - According to the Applicant's capacity to repay from the business proceeds.
  • Loan payment is made direct to the appointed reputable Farm-input suppliers or Service Providers.
  • Faster: Loans are processed within 5 working days upon fulfilment of all paperwork.
  • Affordable : Interest rates are competitive
  • Market contract
  • Physical collateral or Third Party Guarantee
  • Cash contribution of up to 30% of total Loan should be made by the Borrower.

The facility is available for SMEs mainly Cooperatives and Associations who require medium term financing for building/acquisition of Factory building and equipment for agro-processing. Customers enjoy the option of taking ownership of the asset once the final payment has been made or returning the asset to COFI at the end of the agreed period, subject to the conditions of the agreement in the case of leasing.


  • Maximum Loan Term - 36 Months
  • Maximum Loan Value - According to the Applicant's capacity to repay from the business proceeds.
  • Faster: Loans are processed within 10 working days upon fulfilment of all paperwork.
  • Affordable : Interest rates are competitive.
  • The business must exhibit strong cash-flow position
  • Audited Accounts for the past 3 years
  • Physical collateral or Third Party Guarantee
  • Cash contribution of up to 30% of total Loan should be made by the Borrower.

The facility is designed for rural based SMEs mainly cooperatives and Associations who require short-term finance to pay for transportation, warehousing and other logistics necessary to move the goods to the defined market (s).


  • Maximum Loan Term - 3 Months
  • Maximum Loan Value - According to the Applicant's capacity to repay from the business order.
  • Loan amount is paid direct to the Service Provider (s).
  • Faster: Loans are processed within 3 days upon fulfilment of all paperwork.
  • Affordable : Interest rates are competitive
  • Market Contract
  • Cash contribution of up to 30% of total Loan should be made by the borrower

Our Contact Details

Community Finance Ltd
Amina House, Area 4
Lilongwe
Off Paul Kagame Road
Malawi.

E-mail: cofi@cofimw.com Tel: (+265) 111550025 / 0111580025