Our company offers a wide range of Products And Services
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Medium Term Loan
Business Development Loans
Funds utilized to Purchase stocks, Ingredients, tools and equipment, furniture and fittings, facilitate lease payments, Professional services, Licenses etc to start or expand informal, micro and small Enterprises.
Asset Finance loans
Funds utilized to purchase business and family Assets including Vehicles, Motor Cycles, Light Trucks, Fishing boats, specialized Machinery and equipment.
Manufacturing, Mining and Processing Loans
This loan product targets emerging and existing small to medium scale Manufacturing, Processing and Mining initiatives and is designed to cater for the purchase of raw materials, packaging materials, Tools, Machinery and Equipment, facilitate professional services, lease payments amongst others.
Agricultural Loans
This Loan product purpose to increase the participation of low income earners in sustainable and profitable Agricultural activities including urban farming . The funding is utilized to purchase quality farming inputs including seeds and organic fertilizers and organic pesticides and livestock .Purchase of farming equipment, Tractors and accessories, Construction of Livestock shades and green houses, Installation of irrigation systems, Milk cooling plants and Bio Gas energy systems. Purchase of Agro Processing Equipment and Machinery to enhance on farm value addition. Payment for Professional Services like Veterinary and Agriculture extension services. farm lease and Purchase of small holder farms among others.
Education Loans
This loan product enables access to quality education for the family. Loan repayments are flexible, either through monthly instalments or through the second pay-out. This product allows for top-up.
Insurance Premiums Loan
Low income earners including Refugees, Displaced and Migrant communities with fluctuating income streams are disfranchised from accessing various insurance Services including life, Medical, Funeral and Assets Insurance due to the nature of their income streams. The Insurance Premiums Loan purpose to bridge this gap by enabling the beneficiaries make once off annual insurance premium payments to insurance Providers and make installment payments to M-Mali Finance.
Housing Loans
The housing Loan purpose to support and compliment South African Government efforts to provide decent and affordable housing to grassroots communities and low income earners. The loan is utilized for: Purchase of land for building a house or rental units, Construction of houses in phases through incremental financing, Construction of Backrooms for family or rental purpose, Home furnishing.
Renewable Energy Loans
This loan product finances acquisition of solar home energy for business and homes. It helps conserve the environment, ensures better health devoid of smoke and soot and saves on high cost of paraffin fuel.
Short Term Loans
Emergency Loans
This is a loan product specifically designed to meet emergency financial needs and provide access to credit services comfortably and conveniently; anytime, anywhere through a mobile phone. The product is reliable, disbursement is instant through various mobile banking wallets.
Salary Advances
South Africa has a growing number of Small and Medium Enterprises (SMEs) that have employed a number of Workers. As much as these employees are salaried mostly monthly, they occasionally find themselves in need of salary advances or emergency loans, Many SMEs have limited Financial base and are increasing unable to provide to their workers benefits like salary advances living the Workers under the mercy of heartless loan sharks who charge exorbitant interest rates throwing families into a never ending financial crises. The Salary advance loan address the above challenge by enabling employees access salary advances from M-Mali Finance that are reimbursed by Employers on the Pay day
