We are Enterprise Microfinance Limited

We are a full service microfinance company – we provide financial services to low-income earners who don’t have access to traditional financial services but wants to finance income-generating activities.

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We are flexible and fast

Expect rapid processing and flexible loan amounts that will provide sustainable solutions to your most complex business or individual financial challenges. We are here to support you in each process until you attain financial success.

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We empower people

We believe that microfinance is a sustainable means of poverty alleviation leading to lasting, holistic development. Financial tools and training empower entrepreneurs to build businesses, support their families and transform their communities.

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The EFL Difference

EFL developed and utilizes the relationship-lending system that is faster, more flexible and easier financing scheme:

  • Terms and conditions are based on qualitative information about the client from informal sources, such as product suppliers, personal references, etc.
  • Loan size granted depends on the nature of the project pursued, ability to repay and client’s character.
  • No collateral required if the aforementioned financial reliability guarantees is satisfactory.
  • Clients get loans quickly; no interrogations as with traditional lenders.
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Improve Your Financial Status

INDIVIDUAL LOANS

TWO TYPES:

  1. For employees of any credible organization. 
  2. For business persons who need short-term financing.
Towards Financial Freedom!

ENTREPRENEURSHIP TRAINING

EFL conducts training and mentoring to its clients to ensure that loans are used effectively to grow their businesses. Training is usually done for a group of borrowers after a loan is granted. Depending on the needs and resources available, EFL mentors its clients through counseling, networking and advisory services. Our end goal for lending is always not just for individuals and businesses to survive, but to thrive successfully until they reach financial freedom.

Your Ideas; Our Financing

GROUP LOANS

TWO TYPES:

  1. Loans for a group of two to three persons with income-generating activities.
  2. Loans for associations whose members are willing to take collective responsibility for the loan.

Need Money Urgently?

EFL is ready to help you. You may visit our office or apply for a loan online.

Apply Now

Loan Application Procedures

Fill out an Application Form

Fill out and send the online application form or visit our office to submit an application and relevant documents.

We will review your application and submitted documents. Any questions about your application can be discussed one-on-one or over the phone with your loan officer.

Be sure to double- and triple-check that you’ve filled in every question and checkbox necessary on the application. If anything is missing, your application will likely be delayed.

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Fullfill Requirements

Get instant approval based on evidence of available documents, collateral or guarantor provided.

To apply for loans, you must fulfill some basic requirements like:

  • Age: You must be at least 18 years old.
  • Bank Account: You should have a valid bank account number, matching exactly with the name and address that you have provided in our loan application form.
  • Proof of Address: You must have acceptable proofs of address from latest water bill, bank statement, or a proof of residency from the Street Chairman in your place of residence.

Wait For The Application Outcome

Your loan officer will give you progress reports while your application and documents are being reviewed. Make sure you email or call to check on the status of your loan, but our loan officer will keep you informed every step of the way and answer questions thoroughly and professionally.

If you have complied to all the requirements and relevant documents submitted are complete, processing will take only 48 hours or less. 

Receive Your Loan

After approval, your loan is deposited into your bank account. Depending on your bank, it may take a few days for the funds to appear in your account.

  • We charge interest beginning on the day the loan is issued. If your bank takes a few days to deliver the funds to your account, you will still owe interest beginning on the day the loan is issued.
  • Your first payment is due 30 days after your loan is issued, even if your bank takes a few extra days to deliver the funds to your account.

YES We Provide Loans.

EFL loans allow more than just businesses to grow.

Family income rises. Children eat and go to school. Homes are improved. Women gain status.

Our clients experience these transformations every day, beginning with loans as small as TZS500,000.

We are currently serving 3,564 thousand clients with loans and savings.

What’s most astounding is that 99% of these loans are paid back.

It happens because an EFL loan is not just money. It’s an entire system of support, guidance and accountability.

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nearer to the fire, and chuckled heartily.

To help entrepreneurs get their act together
before they talk to investors.

news

  • CYBER SECURITY AWARENESS FOR FINANCIAL INSTITUTION

    EFL Staff attended a Cyber Security Awareness program focused on financial institutions. The session highlighted the growing risks of cyber threats, such as phishing and ransomware, and emphasized the importance of secure online practices. Employees participated in hands-on exercises to identify potential threats in simulated emails, enhancing their skills. The event reinforced the company’s commitment

  • WAJIBU KWA JAMII KATIKA TAASISI YA SARATANI YA OCEAN ROAD

    Enterprise Finance Limited (EFL) imetoa msaada wa mahitaji mbalimbali katika Taasisi ya Saratani ya Ocean Road iliyopo Dar es Salaam. EFL imekuwa na utaratibu wa kugusa jamii kwa namna mbalimbali katika kipindi cha wiki ya huduma kwa wateja, ikiwemo mafunzo ya bure kwa wajasiliamali, zoezi la upandaji miti, mbio za hisani, kufanya usafi katika fukwe

  • SEMINA YA UWEKEZAJI NA USIMAMIZI WA FEDHA KWA WAFANYAKAZI NA WAFANYABIASHARA – ARUSHA

    Enterprise Finance Limited (EFL) imetoa semina ya uwekezaji na usimamizi wa fedha kwa makundi ya watu waliojiajiri na walioajiriwa kwenye biashara,lengo ni kuwezesha washiriki kujua njia bora za kuwekeza kwenye biashara na masoko.   Akizungumza katika semina hiyo iliyofanyika jijini Arusha Oktoba 5 mwaka huu, Mmoja wa wawezeshaji Prof.Goodluck Urassa ambaye ni Mwanzilishi na Mkurugenzi

  • NETHERLANDS TO EFL HOUSE

    “We were delighted to warmly welcome visitors from the Netherlands who came to learn about EFL and its operations. It is indeed a great honor to host guests from abroad.” Chairman Enterprise Finance Limited was founded by Tanzanians dedicated to boost the financial inclusion of the people by developing demand-driven financial products and solutions. EFL

Our Broad Range of Services

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– John Mc Millan –
(CEO)