Loan Products
Affordable and accessible credit designed to help PNG mothers expand their businesses, fund farming, and secure family livelihoods.
SME & Micro-Enterprise Credit Facilities
Direct business loans matching your exact operation size, from informal market vendors up to established formal commercial businesses.
NANO LOANS
K300 – K1,000
- A church actively participating in or promoting women’s economic empowerment activities within the communities
- Small- or medium-sized women’s associations and women’s groups
- Minimum loan 300 and maximum 1000
- 8 to 16 weeks of repayment
- Through partnership with church, cooperatives, LLGs, NGOs etc.
Informal Sector Loan
K1,000 – K10,000
- Requires Mama Bank savings account tracking
- Requires basic Financial Literacy Course Certificate
- Flexible micro-repayment cycles tailored to local market days
MSME Business Loan
K10,001 – K100,000
Structured working capital injection built for growing female entrepreneurs operating in expanding local markets or commercial hubs.
- Valid IPA Business Registration documents needed
- Valid IRC TIN Identification Number
- Supports shop restocks, equipment purchases, and trade cashflow
SME Business Loan
K100,001 – K1,000,000
High-tier capital financing constructed to fund substantial asset procurement, building expansion, or major fleet logistics operations.
- Requires structured business cashflow projection records
- Full company profile documentation audit required
- Competitive interest tracking over longer commercial terms
Kwik / Meri Up Loan
Up to 80% of Savings
Rapidly processed collateral-backed cash advance allowing savers to instantly leverage their existing account equity for emergencies or rapid stocking windows.
- Secured against your existing account balance
- Ultra-fast same-week backend validation turnaround
- No external physical asset collateral required
Market Meri Loan
Based on Account History
Specialized credit facilities providing vital base injection capital to informal sector women operators relying on consistent personal saving behaviors.
- Rewards daily or weekly savings behavior
- No formal property collateral demanded
- Fosters smooth business growth transitions
Group Loan Facility
Shared Accountability
Enables registered mothers’ collectives, market groups, or district associations to secure business funding through shared group recommendations.
- Utilizes group guarantees as core security framework
- Encourages community cooperative market ventures
- Includes joint banking literacy guidance training modules
Agriculture Loan
Collateral-Free Tier Available
Designed for local smallholders and commercial farmers looking to acquire raw materials, farm tools, or processing machinery to upgrade bulk yields.
- Ideal for fresh produce, coffee, and vanilla smallholders
- Structured repayment schedules tied closely to harvest sales cycles
- Provides explicit field support connections
Sustainable Eco-Business Facilities
Specialized eco-targeted financing built in partnership to fund sustainable coastal and marine business models.
The Coast & Marine Loan
IMSMEs: K1,000–K50,000 | SMEs: Up to K500,000
An innovative, specialized funding channel built specifically to empower individuals, coastal communities, and marine ventures to build resilient livelihoods.
- Eligible for sustainable coastal fishing & processing initiatives
- Eligible for seaweed farming, aquaculture, & eco-tourism ventures
- Provides competitive longer tenures (12 to 36 months)
Consumption & Personal Salary Loans
Reliable personal credit avenues configured to support household requirements, emergency safety nets, or school fees.
Public Sector Salary Loan
Based on Take-Home Earnings
Clean, predictable personal borrowing options extended to government departments and payroll-verified State Owned Enterprises (SOEs).
- Deductions managed directly via Alesco payroll integration
- Eligible for PNG Power, Water PNG, Post PNG, & more SOEs
- Requires signed institutional employer agreements
School Fee Loan
Fast Turnaround Window
A fast-turnaround personal loan product configured to settle back-to-school costs directly, keeping children in the classroom without stress.
- Fast verification processing to meet institutional deadlines
- Paid out directly to educational institution bank accounts
- Eases stressful seasonal family cash crunch issues
Our Flexi Loan Plan
Adaptable Personal Credit
A flexible consumption credit facility designed to deliver immediate, short-term support during unexpected medical issues or family ceremonies.
- Minimal confirmation paperwork dependencies
- Structured micro-repayments suited to personal cash flow
- Provides quick financial backup loops when needed
Revolving Fund for Agriculture Value Chain Financing (AVCF)
Supported by the AUSTRALIA - PAPUA NEW GUINEA ECONOMIC PARTNERSHIP (APEP) PROGRAM. Acquire loan funds from us to strengthen your operations.
Product A: Agri-Exporter Loan
Product Type: Coffee, Cocoa, Vanilla, and Copra
Product Name: AVCF Loan
Interest Rate: 4% / Annum
Interest Period: Yearly
Interest Type: Flat
Minimum Loan: K10,000
Maximum Loan: K1,000,000
Product B: Women SME Loan
Product Type: Coffee, Cocoa, Vanilla, and Copra
Product Name: AVCF Loan
Interest Rate: 4% / Annum
Interest Period: Yearly
Interest Type: Flat
Minimum Loan: K10,000
Maximum Loan: K250,000