Products
Consumer Credit as a Product
At EmpowerCap, we understand that financial flexibility is essential for individuals such as entrepreneurs or sole traders looking to meet their daily needs and pursue their aspirations. That’s why we offer Consumer Credit as a versatile financial product designed to empower individuals with access to immediate funds for business or personal expenses, emergencies, or special purchases.
Key features of our Consumer Credit product include:
- Quick and Easy Application Process: Apply for Consumer Credit conveniently online or at one of our branch locations, with minimal documentation and fast approval times.
- Flexible Loan Amounts: Borrow the amount you need, with flexible loan amounts available to suit your specific requirements and financial situation.
- Competitive Interest Rates: Benefit from competitive interest rates and transparent terms, ensuring affordability and peace of mind throughout the repayment period.
- Customized Repayment Plans: Enjoy the flexibility of customized repayment plans tailored to your income schedule and budgetary constraints, with options for weekly, bi-weekly, or monthly payments.
- Dedicated Customer Support: Our friendly and knowledgeable customer support team is available to assist you every step of the way, providing personalized guidance and assistance to ensure a smooth borrowing experience.
Some of the requirements for this product include:
A passport photo
Copy of identification document (ID, passport or receipt)
Proof of residence (neighborhood declaration or water and energy bill)
Requirements for salaried employees:
Bank statement for the last 3 months
Salary receipt
Income statement
Requirements for traders:
Business license/Alvará
Market statement, if you have one
EmpowerCap’s Consumer Credit product is designed to provide you with the financial flexibility and peace of mind you need to navigate life’s challenges and opportunities with confidence. Contact us today to learn more and start your journey towards financial empowerment. Terms and conditions apply.
NOSSO TAKU
Loan Package for Public and Private Sector Workers
Requirements:
Fill out the Loan Application Form: here
Copy of Identity Card (ID)
Unique Tax Identification Number (NUIT)
Neighborhood Declaration (Proof of Residence)
Latest Salary Slip
Employment Contract
Bank Statement of the Salary Account (last 3 months)
Present Credit Guarantees, if applicable.
PEQUENO COMERCIANTE
Loan Package for Micro-Entrepreneurs, Small business owners or individual entrepreneurs.
Requirements:
Fill out the Loan Application Form: here
Copy of Identity Card (ID)
Unique Tax Identification Number (NUIT)
Neighbourhood Declaration (Proof of Residence)
Proof of Business Activity
- Pictures of the business premises or operation area.
- Market stall or vendor registration (if applicable).
- Supplier invoices or receipts (showing purchases for the business).
- Evidence of stock/inventory (photos or receipts).
- A letter from a community leader or local authority confirming the existence of the business.
Proof of Income:
- Sales receipts or daily sales records (notebook or ledger showing earnings).
- Last 3 months Bank or mobile money (Mpesa, Emola and Mkesh) transaction statements showing regular income deposits.
- A declaration from a local leader or neighbourhood authority confirming average income.
- Evidence of regular customer transactions (e.g., purchase orders or client confirmations).
Present Loan Guarantees
CRESCIMENTO EMPRESARIAL
Formal business entities seeking financial solutions to expand their operations or manage cash flow effectively.
Requirements:
Fill out the Loan Application Form: here
Updated Commercial Certificate issued within the last 3 months.
Statutes published in the Official Gazette
Company Operating License
Company´s NUIT (Tax Identification Number)
Identification Documents of Company Representatives: Copy of BI and NUIT for all representatives.
Neighbourhood Declaration – Proof of Residence for Company Representatives
Proof of Invoicing/Receivables – Documentation showcasing pending receivables or past sales.
Business Plan – A detailed plan outlining goals and projections.
Company Bank Statement – Last 6 months of transactions.
Audited Financial Reports – Reports for the last 2 years.
Income Statements – Declaration of earnings for the past 2 years.
Credit Collateral – Present viable credit guarantees.
Get in touch with us
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Address:
Bairro do Infulene, Cidade da Matola, Moçambique
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Registered with the Central Bank of Mozambique