Business Loan · BSI Finance

Working capital to grow your business

Fast, flexible capital with minimal red tape. Supporting small and medium enterprises across Tanzania.

Small Business Loan

Get the funding you need, plus personalised support. BSI Finance has helped businesses across Tanzania access the capital they need to grow.

Available to registered traders, shop owners, agri-businesses, and formally incorporated companies with a verifiable business track record.

Why work with BSI?

Fast pre-assessment process

Get an initial loan decision in 72 hours — with straightforward documentation and no unnecessary delays.

Real advisors, real business support

Every client gets a dedicated advisor who walks with them through every step — not a chatbot, a real person.

No early repayment penalty

Pay off your loan ahead of schedule at any time with zero extra charges. We reward good financial planning.

Check our minimum requirements:

Are we a match?

Business registered with BRELA or TRA — operating for at least 12 months
Valid TIN number and 6 months of business bank transaction records
Director or principal owner with valid NIDA ID or Tanzanian passport
Clean credit history — no significant outstanding loan defaults
Collateral may be required for loans above TSh 10 million
Applicant must be a Tanzanian citizen or permanent resident

Tip for success: When applying for a loan, it's recommended that businesses borrow no more than 20–30% of annual revenue to maintain healthy cash flow.

How to Apply for Financing

Step 1: Contact our team or visit our Tegeta office — your advisor will walk you through the options
Step 2: Submit your business documents — our team conducts a thorough business assessment
Step 3: Receive your loan offer within 72 hours and select the structure that works for you
Step 4: Funds are disbursed directly to your registered business bank account

Apply for a Loan

Frequently Asked Questions

We work with registered businesses across Tanzania — retail, food service, agriculture, manufacturing, and more. The business must have been operating for at least 12 months and have verifiable bank transaction history.

For complete applications with all documents in order, our team assesses and issues a decision within 72 hours. Disbursement follows once loan terms are agreed.

Yes — BSI Finance charges no early repayment penalties. You can pay off all or part of your loan ahead of schedule at any time with no extra cost.

For loans above TSh 10 million, collateral such as a land title or vehicle documents may be required. Your advisor will clarify the specific requirements for your loan size and business profile.