VRA Technologies Microcrédito E.I.

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.

Credit for Public Sector Employees

Our Credit for Public Sector Employees product provides accessible and affordable financing options designed to address various personal and professional needs, including:

  • Salary Advances: Access funds in advance of your regular payday to cover immediate expenses or emergencies, with convenient repayment options aligned with your salary schedule to assist with needs such as housing, transport, business, consumption, or livestock.
  • Education Financing: Invest in your personal and professional development with education loans designed to cover tuition fees, training programs, or certification courses, helping you acquire new skills and advance your career.

Some of the requirements for this product include:

Being a State Employee

Identity card

NUIT

Income statement
Salary receipt/parallel
Bank statement from the last 3 months
Title of appointment or appointment letter
Proof of residence (neighbourhood declaration or water and energy bill)
Financial plan(s) for the credit (if applicable)
EmpowerCap’s Credit for Public Sector Employees product is tailored to support your financial well-being and empower you to achieve your goals and aspirations. Repayment is made instalments and deducted at source via payroll. Contact us today to explore your options and discover how we can help you unlock your full potential. Terms and conditions apply.

Credit for Teachers as a Product

  • Classroom Resources Funding: Access funds to purchase teaching materials, educational resources, and classroom supplies, ensuring a conducive and enriching learning environment for your students.
  • Professional Development Loans: Invest in your continuous growth and learning with financing options for training programs, workshops, conferences, and certifications, enabling you to enhance your skills and advance your career in education.
  • Personal Loans: Address personal expenses, emergencies, or special occasions with personalized loan solutions offering competitive rates and flexible repayment terms, empowering you to achieve financial stability and peace of mind.

Some of the requirements for this product include:

Being employed as a Teacher
Identity card
NUIT
Income statement
Salary receipt/parallel
Bank statement from the last 3 months
Title of appointment or appointment letter
Proof of residence (neighbourhood declaration or water and energy bill)
Financial plan(s) for the credit (if applicable)
EmpowerCap’s Credit for Teachers product is designed to honour your dedication, passion, and commitment to excellence in education. Contact us today to learn more about our offerings and discover how we can support you in making a meaningful difference in the lives of your students and communities. Terms and conditions apply.

Get in touch with us

Contact Us

Telephone:
+258 84 141 9680

Email:
info@vra-technologies.com

Visit Our Office

Address:
Bairro do Infulene, Cidade da Matola, Moçambique

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